vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-13 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I was told by American Express on multiple occasions that i would receive the bonus offer of XXXX XXXX points for my XXXX card after completing the required spending limits. However, American Express went back on their word once I completed the spending limit and stated that I would in fact not receive the bonus offer due to owing a similar American Express card in the past. I would like American Express to honor their statement an award me the bonus points for my Americna Express XXXX XXXX card that I met the spending requirements for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
I am beside myself. I have been working on repairing my credit for several years. I had one XXXX credit card left over that was sold to Midland Credit Management , Inc located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX CA XXXX. Phone number XXXX. I have read terrible things online about this debt collector, especially that they try to collect on debts that are not existent. I have received many scam phone calls and letters over fake debt in the past, so I am very careful. I have called this company repeatedly and there call center is outsourced to XXXX. The representatives do not listen, they just keep repeating the account number and the debt amount due. It is my full intention to pay this debt and have offered so to this company. I am the one calling the debt collector trying to pay the debt off. I did not have a payment plan with them and I have made 3 payments to them since I received their first letter. Payments have been made XXXX XXXX, 2015, XXXX XXXX, 2015 and XXXX XXXX, 2015. I have offered to make another payment this month, XX/XX/XXXX but they said there is not a payment due until XX/XX/XXXX. They are now reporting to all XXXX of my credit bureaus that my account is seriously past due and that I have not paid for over 120 days or have missed XXXX payments. When I spoke them today, XXXX/XXXX/15, for the second time, ( put on hold and transferred to multiple people for over XXXX minutes on each call ) they said they do not report late payments, but I am looking at my credit reports with the XXXX bureaus saying they stated the above. My credit went down XXXX points overnight from them hitting my account besides the initial hit on the original debt from XXXX. Please help I am trying everything and paying these people at the same time. They are reporting derogatory to my credit every XXXX weeks which I can see since I have credit monitoring. On today 's phone call they said they would send another report to the bureaus which would still say the same thing about being past due and I am not past due. I must not be the only one this is happening to. I am so distraught, I am pregnant and we are trying to buy a house and this debt collector has free reign to do whatever they want with my credit while I am paying them. This has to be against the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-12 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I had a huge issue with American Express for my credit card when I requested to have my name revised and my address updated. 

1. I have not receive my new credit card as promised. 
2. I have not been reimbursed the expenses I incurred to verify my identity as I told. This is all recorded and I have submitted the invoice as well as the request of a credit for the harassment they incurred.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-21 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: PA

Complaint narrative:
I keep getting letters from Midland Credit Management for debts that ARE NOT mine. How do I get them to stop harassing me?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-20 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
I have a gold amex that was issued with no annual fee. After the first year, I was billed an annual fee. I contacted amex and the switched cards but never refunded the annual fee ( after promising to do so ) and added a late fee. After 5 phone calls, I was advised a rep accidentally switched me to a gold XXXX employees card and they were not able to verify employment so the fee had not been refunded. I advised the rep I am not a XXXX employee and have never been. I am still waiting for the annual fee and late fee to be waived.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-13 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: CA

Complaint narrative:
I needed to pay off my XXXX credit card placed at Midland as a requirement for a new job. I needed to have the debt paid and provide a letter showing I paid the debt for my security clearance. I paid the settlement Midland ands I agreed upon, however Midland still shows the account with a balance due on my credit report, the letter I received does not state the account is paid off and I requested a letter stating on their letter head the account is payoff to provide for my employer and they refuse. I was told to use their website to show the balance is zero, but it only states I need to call to request information on the balance. I attached the screen shot. Midland used deceptive, misleading and false statements to get me to pay off the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TRANSWORLD SYSTEMS INC
State: SC

Complaint narrative:
I had a letter mailed out to Transworld asking for legal validation of the alleged debt, which I deny. I used the address provided on my credit report. The letter was returned as unbelievable

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06 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: GA

Complaint narrative:
Midland Funding is the largest junk debit buyer in the country and purchased a presumed debt. With only a single computer generated document, this company filed a lawsuit against me in Magistrate Court. There was no proof of debt, no signed credit card agreement copy, no application copy with terms of interest and fees, no 12 month period payment history. On the only single document presented, there was an amount of {$430.00} for fees with no determination or detail of how these fees were determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
XX/XX/XXXX we refinanced our home with beneficial hfc for XXXX since then they have paid 4 years of lender advanced taxes since XXXX, because we were unable to take care of them. they have something they have tacked on claiming they have deferred interest? I do not know what that is? we are trying to refinance with another mortgage company and they have our payoff balance at XXXX we are not paying out the mortgage what can you help me with?? our mortgage is underwater somehow. How can I get some help in this. thank you XXXX XXXX texas XXXX XXXX XXXX please help their address is beneficial XXXX florida XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
The issue relates to a BlueBird by American Express prepaid debit card ending in XXXX. On XXXX XXXX, 2016, I returned some clothing items to a XXXX XXXX store in XXXX, VA in the amount of {$520.00} ( return receipts attached ). 
The original purchase was originally made on a different American Express card, and the BlueBird by American Express card at issue was mistakenly presented to the merchant for the return. The merchant processed the return to the BlueBird by American Express card/account in accordance with its own policies. 

The credit balance showed up on my BlueBird by American Express account within a day or XXXX. On XXXX XXXX, 2016, American Express informed me by email ( attached ) that it closed my account because it could not find corresponding debits to the {$520.00} in credits. The email from American Express further states that {$520.00} " has been returned to the merchant. '' Almost 4 months later, despite over a dozen calls by me to American Express, the funds remain in my closed BlueBird account as of today ( XXXX XXXX, 2016 ) and have not been returned to the merchant. American Express readily admits this each time I call in : its representatives have stated each time that I have called that the funds remain in the account, that the account is closed, that the funds can not be returned to me, and that the funds will be returned to the merchant, without providing a timeline. Attempts to engage with American Express regarding the reasons for closing the account and/or remedying the situation have been unsuccessful. 

After almost 4 months, the merchant has not received the funds. Based on my discussions with the merchant, the merchant is not interested in retrieving the funds from American Express because the original items were paid for in full and subsequently returned in accordance with the merchant 's policies. American Express has been holding these funds for almost 4 months. I am requesting that a check in the amount of {$520.00} ( the account balance ) be sent to me immediately and the BlueBird account formally closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MA

Complaint narrative:
HFC Beneficial Acct. # XXXX -- On XX/XX/2017 my mortgage was purchased by XXXX XXXX XXXX XXXX from HFC Benefcial. I had already scheduled my mortgage payment to HFC for XX/XX/XXXX and was unable to cancel it. I contacted HFC directly and they assured me the payment would be forwarded to XXXX. XXXX New Acct # : XXXX. 
It has now been over 14 days and my payment has not been credited. I want this straightened out. I have called numerous times and nobody is helping.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I had a American Express account and went through the financial downturn in XXXX. 
I made several payments and could n't make any more. They filed a judgement against me and tried to collect. The sheriff came out and I did n't have nothing to collect. One year later I received another credit collection company " XXXX XXXX XXXX XXXX '' after the same money. Too me this is double jeopardy. The amount is {$4800.00} in which the original balance was {$10000.00}. Civil summons File number XXXX. American Express vs XXXX XXXX XXXX ; Lawyer was XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, North Carolina XXXX ( XXXX ) XXXX. In addition filed a Motion to Claim Exempt Property.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I signed up for American Express Platinum credit card in late 2016 and was given the points bonus of XXXX membership rewards in XX/XX/XXXX when I completed the sign up requirements in the allotted time. I had points in the account already that put me at a total of about XXXX points currently ( as of today, XX/XX/XXXX ). I have had the points at my disposal since then however I went to use them today XX/XX/XXXX and was told by their system " your account is under review and you can not use the points ''. I contacted Membership Rewards as directed and all they could tell me is that some returns during the initial bonus time frame caused my account to go under review. I was never notified of this review. The points were in my account but unusable, for 3+ months. All American Express told me is that they will escalate it and ca n't guarantee any response time frame but if I do n't hear back within 10 business days, to call back. And they would not give me a reference or ticket # or anything, they simply said my account will be noted. All I have is the supervisor 's name and badge # I spoke with. Now that I need to use the points I can not and I have an upcoming trip I had saved them for. This needs resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Company continues to contact my place of employment after several times telling them to not call my job. Receptionist always answers and lets them know I can not have phone calls " personal or personal business matters '' ( which I have none if its personal it is not a business matter ). They continue to call. Then the caller gets rude with the receptionist and goes as far as giving personal information to confuse the receptionist in order to have her transfer the call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-26 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: MD

Complaint narrative:
I received a letter from Midland in 2013, I immediately, ( XXXX XXXX 2013, they received it on XXXX XXXX ) sent them a letter requesting validation on the alleged debt. To this date, I have received any response nor validation to this alleged debt. Instead, I received another letter attempting to collect another debt as the account number of the previous alleged debt do n't match. My name does n't even match, i 've sent them another letter requesting validation again for this alleged debt. This is basically the XXXX bogus attempt from them to collect a debt that I do not owe to them. Also, with this contact they are in clear violation of the Fair Debt Collections Practices Act. As i 've never received any response on my previous request for validation, instead I just received another letter attempting to collect. My initial request for validation was timely within the XXXX days timeframe I have to request validation under FDCPA, so ; any further activity to collect on the debt would be a violation of their cease collection bar under FDCPA 809 ( b ). If they are communicating regarding a different collection ( i.e., they consider it to pertain to a different debt ), then that would have required they send another dunning notice within XXXX days after any initial communication. They thus either consider it the same debt, or have violated requirement for a XXXX dunning notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: NC

Complaint narrative:
I have a home loan with Caliber Home Loans. It is for my home in XXXX XXXX, LA. I currently live in XXXX, NC and was not able to sell my XXXX XXXX home for 11 months but then was able to rent it. 
I lost my job on XXXX. I contacted Caliber on XXXX XXXX. 

1. After receiving their Loan Modification package in the mail, emailed the entire package to them on on XXXX XXXX. 
2. I received a request for more documentation and submitted it on XXXX XXXX. 
3. I received a request for more documentation and submitted it on XXXX XXXX. 
4. I received a request for more documentation and submitted it on XXXX XXXX. 
5. I received a request for more documentation and submitted it on XXXX XXXX. 
6. I received a request for more documentation and submitted it on XXXX XXXX. 
7. I received a request for more documentation and submitted it on XXXX XXXX. 
8. I received a request for more documentation and submitted it on XXXX XXXX. They have 30 days for their underwriters to review the package. This request was about 27 days into the review. Their request was for the mortgage statement for my other home. 

The multiple submittals noted above have truly appeared to be a stall tactic on their part. I have also called their offices no less than 24 times, trying to get information. 

The last status I obtained was on XXXX XXXX, telling me that my application had been denied. I am still unemployed and actively looking for a new job. 

I would be happy to share all of the details, which I have maintained. 

As a side note, the other mortgage that I have with XXXX, had the loan modification completed on XXXX XXXX. They requested two submittals in total. I had contacted them the same day I contacted Caliber.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05 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: SC

Complaint narrative:
HSBC Bank USA XXXX XXXX has a lien against a property my client wishes to sell and is under contract. However, they have not responded at all to our attempts to get a pay-off or release. SEE ATTACHED LETTER for details. It has been over 60 days and they still have not responded at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
On XX/XX/2017, I called American Express to remove me from their mail marketing lists. This was in response to being deluged with the same offer in three different envelopes on the same day. 

I had previously called American Express awhile back regarding this very issue and was told I 'd be taken off their mailing lists, but it appears that this was n't respected. So I was forced to call again. And I now feel like I 'm being harassed, and I 'm submitting a complaint to the CFPB because I 'd like to ensure my request to be removed from Amex 's mail marketing lists is honored. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-25 00:00:00
Product: Credit card — 
Issue: Application processing delay — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
XX/XX/2016 I asked AMEX to add my Mother XXXX XXXX to my account. They have done everything but do that. They have sent all kinds of letters and email. When we write AMEX back they never do anything. They asked me to go to my bank and get them to write a letter to AMEX stating that I have an account with them ( XXXX XXXX ), I have dont all that they have asked. I want them AMEX to response to my letters and help me manage my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I was sent a personalized invitation for an AMEX Gold Delta Skymiles card with a XXXX mile bonus. I applied and was approved and, in good faith, met the spending requirements for the bonus miles. When I discovered I had n't received the bonus miles, I contacted AMEX and was told that since I had the " same '' product 7 years before, I was n't eligible. I told them that it was impossible for me as an invited consumer to determine that a card I had that long ago ( and for which they could provide no documentation that I had received a bonus ) made me ineligible. They admitted that the previous card had a different interest rate and different terms, but insisted it was the " same '' card, something no reasonable consumer could determine. Despite repeated phone calls, escalation of my issue, and promises of a resolution and a response, I never heard back from anyone. On a call today with a supervisor, she acknowledged that they knew I was " ineligible '' when they approved my application and felt they had no obligation to inform me ( or to get back to me about my inquiry, despite having assigned a case number ), thus inducing me unfairly to spend towards the threshold without any intent of issuing me the bonus miles promised to me personally in the promotion. In fact, since the invitation was targeted and addressed to me, they could easily have determined that I was " ineligible '' according to their interpretation of the policy prior to sending the solicitation. I consider that a deceptive practice. If I had been properly informed, I would not have spent that amount of money on the card in the prescribed time and may have decided not to accept the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Amex Serve has a policy of holding a consumers funds 7 days after a transaction is cancelled. They claim to not have the ability to release the funds even if you submit proof from the merchant that the transaction has indeed been cancelled. I submitted a complaint within the last 3-4 weeks and received a vaguely worded response that in no way addressed my concerns. While I 'm quite sure this practice is not illegal, it is a great inconvenience to the consumer.

Company response to consumer: Closed with explanation