vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-06 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
I applied for an American Express card in XX/XX/XXXX in order to do a balance transfer with 0 % interest as stated in the offer. I first contacted American Express in XXXX after the account opened to initiate transfer and customer service said that I had to initiate online ; however, the site would not let me login with the account number I was given ; I could not even see my account. I then contacted them again. I continued several times to set up the balance transfer and was told to login and that it was a system error and initiate transfer, now ... XXXX mos later they are telling me that I only had 1 month to get it done. I would never have opened an additional line of credit had I known I would not be able to get the service offered 0 % transfer thru XX/XX/XXXX. No where in the offer or application said that I had one month to do the transfer either. Every time I call they say that there are notes in their computer to activate transfer option, but it was never activated for me to utilize and now they tell me to open another line of credit to get the offer. This company did not abide by their offer and have been very misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
This debt collector keep calling my home phone. When my dad or my mom picking up the phone they hung up. They were bothering my parent resting. Also, they keep calling my cellphone in the morning, afternoon, and in the evening past XXXX XXXX. I spoke with them before on the phone, they 're aggressive and had an attitude at me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-10 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
XXXX called me at work, since I am unable to take personal calls, I disconnected the call. They then called back and must of asked for a manager. I then got a call from him telling me this company called and gave him a phone number and case id and that I needed to call them because they were trying to serve me a court summons. I called them back after work, but since I had already paid the debt off. I informed them of this and told them to stop calling. No calls since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-13 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
American Express sent a letter to me, dated XXXX XXXX, XXXX, stating that they were updating my address from XXXX, to XXXX ( I moved in XXXX ). However, I have not had any kind of relationship with American Express since I filed for personal bankruptcy in XXXX ; the balance on my old AMEX card was written off in the bankruptcy. On XXXX I called American Express Customer Service ( at XXXX ), spoke with XXXX, and asked him why they were trying to communicate with me via USPS. He told me I needed to call their " Special Handling Team '' at XXXX, which I did. I spoke with XXXX XXXX and asked her why they were communicating with me when we had not had a relationship in over a decade. She told me that they received information from " the USPS data base '' that my address had changed, and that is what triggered the letter. However, she refused to state why American Express had attempted to send a letter to me in the first place, and when I asked to speak with her supervisor, she hung up on me. 

American Express is harassing and haranguing me over an old debt that was discharged in bankruptcy. American Express needs to tell me why they are trying to contact me and why they are harassing me. If it is in fact because of this old debt, they are violating the Fair Debt Collect Act and they need to be sanctioned for this violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
American Express keeps me calling me to collect a debt which I can not pay at this time due to being unemployed. I have informed them of this repeatedly but they continue to call nearly every day. The people calling are very rude and harass me in order to collect their debt. I explained that I can send partial payments but they tell me that I must send at least the minimum.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
On XXXX XXXX, XXXX, I was contacted by an individual claiming to be an investigator, XXXX XXXX, for the XXXX County Sheriff. He informed me that he had a file on me on his desk that was awaiting application for warrant for fraud. He told me that it was a courtesy call allowing me the opportunity to resolve it that day and avoid processing the warrant due to the fact he would not be able to stop it otherwise. He stated that I would be arrested in the morning and arraigned before a judge within 24-48 hours if I did n't have it paid this evening. I told him that I did n't commit and that I wanted to speak with the individual who filed the complaint. At that point, he did a conference call with an individual identified as XXXX XXXX ( XXXX ) XXXX, who was with Risk Management at a company called XXXX XXXX XXXX. During this conversation, it was discussed that I still owed a balance on an old debt with HSBC that had been turned over to his client, XXXX, for collection. I informed them that this account was settled in XXXX and that I had a letter stating it had been paid in full. XXXX XXXX responded by stating that it had only been recorded as a payment by XXXX XXXX and that the account would never have been settled for such a low amount. I was also informed that XXXX XXXX was no longer in business. I then informed him that this was the second time I paid on this and that initially it should have been settled in XXXX when I paid a lot more. I told him that I would provide documentation if necessary to resolve it. At that point, XXXX XXXX spoke up and stated that the account had to be paid up and settled that evening or he would have to exercise the warrant. I felt that I had no other recourse but to pay it and not be incarcerated in order to allow me time to resolve this issue by other means. Since I have never been arrested, I did n't want to take a chance. After I paid on the account, I was told I would receive settlement documents via email and also certified mail with supporting documents. When I received the email documents, I noticed there was a discrepancy with the account number recorded. I informed XXXX XXXX XXXX that this needed to researched and corrected. The following morning I attempted to make contact with the investigator on the case and was surprised to find out that the contact number was actually that of a fax machine belonging to the XXXX County Clerk 's office. I immediately realized that something was wrong and contacted the XXXX County Sheriff 's Office trying to find the investigator. I was told that there is no such investigator by that name employed or affiliated with them. I then contacted the criminal division and filed a formal complaint about someone impersonating a law enforcement officer and appeared to be affiliated with this debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: MOHELA
State: NJ

Complaint narrative:
DEPARTMENT OF EDUCATION ASPIRE RESOURCE IS REPORTING AN ACCOUNT THAT THEY NO LONGER SERVICE AND OTHERWISE TRANSFERRED TO ANOTHER LOAN SERVICING COMPANY AS A NEGATIVE ACCOUNT ON MY CREDIT REPORTS ( XXXX, XXXX AND XXXX )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ENCORE CAPITAL GROUP INC.
State: DE

Complaint narrative:
This was a credit card that was in dispute in 2001 for about {$2500.00} which I though was revolve and closed. Now I see after XXXX years later unbeknown to me I am being contact from Midland Funding, LL with balance amount for of over {$19000.00}. I am assuming it goes from XXXX collection agency to another and are tagging on these ridiculous penalty plus interest on top of additional charges. This should be against the law and protect consumer from these collection agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
I was a victim of identity theft and noticed a collection from RS CLARK I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against RS CLARK in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
SUBJECT : American Express Blue Cash Everyday credit card payment processing/ misrepresented due date/ delay in posting/ late fee and possible erroneous credit reporting consequences. Electronic payments by my bank are not posted when received by American Express, but delayed by 2-3 days. This means that the DUE DATE is not the due date shown on the statement, but a couple of days earlier unless and only if paid on their website. This forces the consumer to pay at least 4-5 days early to be assured of timely payment, even if EFT. THERE IS NO LEGAL EXPLANATION FOR THIS, that is just how it is, as explained by them. So, my payment is recorded when it is convenient for them instead of when funded in their bank, leaving the consumer at risk of unwarranted late fees and possible credit problems. On the day this account was opened, applicant had a FICO score of XXXX. This will be monitored for deterioration that may occur due to AMEX bad practice and included as an additional complaint if true.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 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: NY

Complaint narrative:
I was negotiating a settlement with XXXX XXXX XXXX regarding a Midland Funding account. After submitting my hardship proof and making numerous calls, with no callbacks, I was told that they faxed a 'payoff ' letter to XXXX XXXX , who was NOT and is NOT representing me ... he was representing the bank on my foreclosure. I repeatedly called XXXX regarding XXXX party disclosure and violation of the FDCPA and I could never get anyone on the phone -- left numerous messages to no avail. When they told me what they did I immediately advised that they were in violation and I was basically told 'big deal ' and the call was terminated. I have attached the letter I have sent to them, but I wanted to go on record in case I still get no satisfaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I received an email account status alert from American Express about my platinum card that has a XXXX balance demanding payment. Email mentioned below. 

Dear XXXX XXXX : You have another American Express ( R ) Account which is impacting our credit decisions on the account referenced below. 

Please be aware that new charges may be declined on the account ( s ) listed within the Account Summary section and any other card products associated with this account ( s ) ; and ( if applicable ) you should advise any additional Card Member ( s ) that their new charges may also be declined. 

Make a payment on your other American Express ( R ) Account so that the account is paid up-to-date. 

We offer several convenient ways to make a payment : Online - You can make immediate or scheduled payments online at americanexpress.com/pbc By Phone - Call us anytime at XXXX ( XXXX ) AutoPay - To help you pay on time in the future, enroll in AutoPay to schedule ongoing automatic payments at americanexpress.com/autopay Mobile ( Card Products Only ) - Download our mobile app or visit americanexpress.com using your smart phone or tablet Sincerely, American Express Account Services Account Summary Account Ending : Total Due : Platinum Card ( R ) {$0.00} American Express ( R ) online customers may receive this notice at both their mailing and email addresses. 

Contact Customer Service | View Our Privacy Statement | Add Us to Your Address Book This is a customer service e-mail from American Express. Using the spam/junk mail function may not block servicing messages from being sent to your email account. To learn more about e-mail security or report a suspicious e-mail, please visit us at americanexpress.com/phishing. We kindly ask you not to reply to this e-mail but instead contact us securely via customer service. 

Copyright 2016 American Express. All rights reserved. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-14 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: CA

Complaint narrative:
I have called and talked to the company I am seeking asking for a detailed statement for the past 3 months of the account before it went into collection so that I can verify how a XXXX credit limit credit card became {$1100.00} the agency has refused to go back 3 months or take a settlement offer of XXXX and the least they would go is XXXX. I would like detailed statements of how fees or interest were accrued and verify last purchases before collection

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have an American Express Blue Cash back card. I have n't been receiving any cash back for 7 months. I first contacted Amercian Express on XXXX XXXX. They said The issue would be fixed in 30 days. It was not. I then called back XXXX XXXX and they said the money would show up at the end of the billing cycle. It did not. Today, I reached out again and spoke to XXXX with employee number XXXX. He said he could not give me a time frame for this to be fixed. I purchased an engagement ring as well as many other wedding related purchase and need the cash back to continue funding my wedding!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-12 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Express Aviation
State: TX

Complaint narrative:
I was attending XXXX college still in my first term before they decided to close their doors. They encouraged me to take out a loan from a company named asfg. The loan amounts to XXXX with 12 % intrest. I did not get to complete my first term nor did i receive any credits and they are still holding me liable for the loan. I do not believe i owe for the loan taken out for an education i did not receive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
Hello, I am an XXXX female XXXX Veteran. 
Upon my graduation in 2007, I was contacted by XXXX XXXX to start paying off my student loans unknowingly signing up to consolidate my loans right out of school. I have been struggling with finding stable employment to make the payments towards paying back my loan. 

My loan has reached default status, and was passed to XXXX. They 've recently passed my account to Transworld Systems who now manages my account. 

Transworld wants me to agree that I owe {$30000.00} when my understanding is that I owe {$24000.00} on my principal and I 've accrued {$3900.00} in interest. This total does not add up to {$30000.00}. I sent a dispute letter to Transworld Systems asking them to verify the amount. And, I wanted to report this situation as well. 

Although I want my loan out of default by participating in their loan rehabilitation program, I do not want to verbally agree to owing this much if it is n't my true balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I would like the CPFB to look into American Express 's " XXXX '' practices regarding the " pay over time '' portion of the billing. Specifically, they limit one 's ability to make payments to this portion which incurs interest. 
My recent payments XXXX XXXX for the XXXX statement included funds ( for all accounts ), that were properly applied to the " pay over time '' portion. However, today when I attempted to make an additional {$250.00} payment it went to a portion that is not due until the XXXX or XXXX of XXXX ( for the XXXX statement ). And, AMEX would not apply as I intended to reduce the " pay over time '' balance charged 15 % interest. 
If I have additional money to reduce interest fees, I should be able to apply them as long as my current bill is actually not due, versus being in the " billing cycle '' as AMEX says - to get away with preventing me from reducing this balance quicker. 

So instead of the {$250.00} earning interest in my account or going to reduce my fees, it has gone to AMEX to pay only a portion of the {$2800.00} dollars that is not due until, according to the statement, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
My American Express Corporate card number was stolen and used to make XXXX purchases for {$430.00} in total without my knowledge in another city. I called American Express and they promptly replaced my card the next day and said they filed a dispute for the charges. However since the charges were not removed, I have since had to call twice only to be told that they would dispute the charges again and that it would take XXXX days. Each time I call, they make me repeat the same information all over again, attempt to be nice, and then tell me not to worry about it, however it 's been almost a month since my card was stolen and the charges are still on there. If I was a personal card holder, I would have already cancelled my account, but since my company chooses to use them for my Corporate charges, I have no choice, but to stick with them and keep fighting.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
Midland Funding has been reporting misleading, inaccurate, and fraudulent information to my credit reports. I have not received any information from this company pertaining to a debt. This company is keeping my family from obtaining a hoe by placing " Dispute '' remarks on my credit profile, in which I have no open disputes with this company. I have no communication with this company and they yet report inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
I applied for a XXXX XXXX XXXX XXXX in XXXX, with an offer of XXXX rewards points after spending {$3000.00} in three months. I met this requirement in XXXX and the points posted to my account almost immediately.When I tried to transfer points to XXXX of my frequent flyer accounts, I was given an error that prompted me to call their fraud department. I 've been informed they are " reviewing '' award accounts for 6-8 weeks. Not only are my XXXX points from this promotion being held, but so are the XXXX points from another XXXX XXXX XXXX I 've had for almost a year, which had nothing to do with this promotion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-18 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
I was reviewing my American Express bill online today, and I noticed a charge fromLost Wallet Protector for {$39.00} - 1 year fee. I was suspicious and contacteda representative, who stated that I had been enrolled in the insurance programsince XXXX of XXXX. Then stated that I would have to contact the Lost Wallet Ins. 
Dept. to cancel my enrollment. I was enraged, because this was an issue that I haddealt with back in XXXX or XXXX with American Express, I had previous contactedthis Lost Wallet Ins. Dept., and asked them to cancel my enrollment and refundmy money since XXXX. To learn that this insurance was not canceled and thatI was still being charged annually {$39.00} for something I NEVER AUTHORIZED orsigned up for - I have health insurance and Life insurance I have absolutely noneed for this Insurance Protector by Lost Wallet. This is a scam and no XXXX isrefunding my money from XXXX XXXX to present. I want my money back andAmerican Express to cease enrolling me in a program I DO NOT WISH tobe a part of.

Company response to consumer: Closed with monetary relief