vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-16 00:00:00
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY

Complaint narrative:
Dear Sirs, Mon. XXXX XXXX 2016 at XXXX Attached copies of American Express indicated I authorised XXXX XXXX to charge the subscription fees of {$99.00} on XXXX XXXX 2016. On XXXX/XXXX/2016 XXXX refunded this {$99.00} on receipt of my dispute. 
But on the same date of XXXX/XXXX/2016 XXXX charged me again without my authorization this {$99.00} it had refunded me and American Express honored this unauthorized charge of {$99.00} and paid XXXX XXXX. 
The proof I have produced here with is more than enough and disqualify both American Express and XXXX XXXX to question me or argue further in this matter. I would therefore demand both Amex and XXXX agree to correct their oversight error they both have committed on their parts and refund my {$99.00} immediately.. 
Should I fail to receive the refund of {$99.00} within 7 days from today, I will bring this matter to the attention of appropriate authorities. 
Yours truly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC
State: WA

Complaint narrative:
I was issued a traffic ticket number XXXX. I requested a contested hearing within the 15 day time limit. See page XXXX of attachment. 
I did not hear anything about this traffic ticket until I was sent a letter from Transworld Systems Inc that I received on XXXX XXXX, 2017 that requested {$210.00}. See page XXXX of attachment. 
I mailed a dispute validity of debt letter today ( XXXX XXXX, 2017 ) Transworld Systems Inc. See page XXXX and XXXX of attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Midland Credit Management , Inc. constantly keeps sending me letters, and contacting me about an account that is not mines. The account was opened fraudulently and does not belong to me. The company keeps harassing me about debt that I have no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
Regarding Application : AMEX EVERYDAY CREDIT CARD made on XXXX/XXXX/XXXX REF/SSN : XXXX To Whom It May Concern : American Express Executive Department I recently received a prequalifying offer and decided to apply for the Amex Every Credit Card, and unfortunately was denied. I was surprised for the denial as I have a FICO score of XXXX as of today with XXXX % low credit usage, total credit line ( {$4900.00} ) no missed payments and no negative history ( XXXX report enclosed ) While it is true that I have limited credit history equal to 6 months overall and 9 months on my oldest card, that is solely as a result of me being a new lawful resident of the US. I have a XXXX degree XXXX in XXXX and I am now a XXXX, XXXX. 

When I initially applied XX/XX/XXXX the AMEX representative told me that I should wait at least six months until I establish good credit history as a borrower : as I did. Could you please review my credit card application to see if there is a way I can be approved? If you 'd prefer to give me a smaller credit allowance, I 'd be happy to show my responsibility as a card holder. I do not currently have an American Express card, and my research has shown me that the Everyday card has an excellent reputation. As you can see on the initial application, my business, which I have for a 8 months brings me substantial profit $ $ $ $ $ $ worth of profit this year. 

I 'm including my Experian credit report on XXXX XXXX, XXXX for your convenience. 
Should you have any questions, you can contact me at XXXX. 

In terms of recent inquiries, please note XXXX inquiries are fraudulent and they are currently being 'disputed ' - it takes up to 60 days to have them removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Credit card — 
Issue: Other — 
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Midland Funding LLC purchased a debt from XXXX and brought legal actions to recover the alleged debt. The case was dismissed on XXXX XXXX, 2012. However, Midland Funding LLC continues to report this on my credit report as if this matter is in collection alluding there is still a debt of {$7200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I purchased some stools online from XXXX using my American Express XXXX XXXX XXXX. My card comes with Return Protection from American Express. When I received the stools, I attempted to assemble them, but I determined that I did not wish to assemble them. I was unable to return them to XXXX due to the weight and the awkwardness of the box. I contacted American Express and filed a claim for Return Protection. I spoke with a representative on the phone and faxed the claim paperwork to American Express. Not only has Amex provided extremely subpar customer service ( multiple emails asking for the same claim documentation and requesting that I call multiple times ), I was then told my claim was denied for the items not being in like new condition. I explained that the items are in like new condition and I can prove it. I was then told to call back AGAIN. It is an endless cycle of poor service to avoid paying any claims. I would like my claim approved. I am willing to mail the stools to American Express for their review. 

Also- when I opened this account I was offered XXXX bonus points if I spent $ 5k in the first 90 days. After I applied, I received another offer for XXXX bonus points, addressed to me. When I asked them to honor this, they refused and told me to cancel my card and reapply. After I receive my bonus points on this card, I will be ending my relationship.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Hello, I would like to report American Express for breaking a Reg Z violation as they charged my credit card {$190.00} annual fee, while I was only given a credit line of {$1100.00}. 

They charged me 17 % of my initial credit line, where the regulation states I can only be charged annual fees up to 15 % of my credit line. 

In addition, I am going to assume they would probably fail the 25 % fee cap policy as well, which states that customers are not allowed to be charged fees and minimum interest charges & gt ; 25 % of the credit line. 

Thanks!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-26 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: CT

Complaint narrative:
There is a credit card that was issued by Household Bank. The debt went bad. I settled this debt with a debt collector years ago. I received a call from a collection company or attorney in Florida stating that they were going to have me arrested for Fraud. I spoke with an XXXX the first time. She would not give any information and started insulting me. I told her I was going to file a complaint with the FTC and my state 's attorney generals office. 

As I was filling out this form I called back to ask the address of the firm. They forwarded me to another person named XXXX. He was very argumentative and told me that they do not give out their address. After he continually asked me why I wanted to know their address, I finally told him it was so I could forward the information to my attorney generals office and the FTC. I said I do n't really need it but the form was requesting it. 

His response was that I apparently have everything I need. He then stated " also, do not contact this phone number again ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
Midland credit collection went into my bank account and stole funds from my account for a bogus credit card account that was paid off in XXXX with which I have a copy of my credit report stating that fact with XXXX lates reviewed for 48 months. Midland credit took XXXX unauthorized on an account that was paid off. I first contacted the company on XXXX/XXXX/XXXX. It took so long because of everything that was going on I did not utilize credit. When I realized who the companies were that fraudulently took funds out of my account I began to call them. Midland credit despite having no outstanding account admitted to taking the funds. I faxed over a police report as per their request when really I did n't have to because this is an unauthorized charge that was well over XXXX years old. In speaking to the supervisor, he told me that the police report I obtained from the XXXX RI police Department was not a real police report. Wow, I could n't believe my ears and the fact that they are going to these lengths not to pay back funds taken without my permission on an account that i did n't owe anything on. On XXXX/XXXX/XXXX when I called, I was told they had no documentation. On XXXX when I called, I was all of a sudden told they had documentation. I told them I wanted to hear or see where I authorized this charge. That is the bottom line it was not authorized by the account holder and they decided to help themselves and go in and take funds that were not even owed to them. The supervisor told me he was waiting for the manager in XXXX XXXX to get back to him.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-07 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Amex advertised a special increased bonus points offer for their expensive Platinum card with a required XXXX $ minimum spend within three months. After I received the bonus, I had to refund an airline fare. The reason for the airfare refund was my finding a lower fare for my vacation. The lower fare by the way was also charged on Amex card, just not the Platinum card. The bonus points were awarded right after a month into account being open. However, almost four months after account was open, I received a mail letter that my points were deducted. They pointed to their terms and conditions clause about fraud, essentially accusing me of fraud for refunding my airfare. Although the airfare refund happened two months after account was open, they waited to deduct the points well past the three-month qualifying minimum spend period for the point bonus. After I got no luck with my complaint with the company, I closed my cards with them. I also looked at the XXXX XXXX XXXX and noted that they said NOTHING about not being awarded point on returned purchases. Perhaps that is why they needed to accuse me of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I was seen at XXXX XXXX XXXX on XXXX/XXXX/XXXX and the nurse copied my XXXX XXXX insurance card and my personal information. She stated they ( XXXX XXXX ) would submit the bill to my insurance and if there was a charge XXXX XXXX would bill me. 

On XXXX/XXXX/XXXX I received a collection notice from Transworld for the services I received. 

I contacted XXXX XXXX to pay my bill and complain that I never received a bill nor did they submit the bill to my insurance. The agent stated " They made a mistake and sent my account to collections and I will have to pay them '' I demanded they take my payment and he refused. The customer service agent also refused to let me speak to a supervisor. After repeated demands to speak to a supervisor he promised his supervisor would call me back which he never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I was charged an erroneous amount of {$38000.00} by American Express which i disputed. Amex filed a complaint in Superior Court, XXXX XXXX, New Jersey.I won the case, and the Judge issued a Civil Action Order of Dismissal on XXXX XXXX, 2014. I sent the dismissal order to the XXXX credit agencies immediately. To date, my credit report shows the {$38000.00}. items as a past due item that was charged off. I sent XXXX more copies of the dismissal order but the credit agencies continue to ignore the order. I have suffered financially because I have been turned down for loans because of this item, and some of my credit cards have been cancelled, and the interest rates were increased.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
American Express, the credit card company, offered a {$250.00} bonus statement credit and will now not comply with their offer. 

See the attached letter and support documentation for facts and details.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Credit card — 
Issue: Bankruptcy — 
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I filed for chapter XXXX protection 5 years ago and discharged/paid off the protection. I tried to get a home equity loan for repairs because a negitve by American Express still on my report that should be removed since they were XXXX of the creditors that were part of the bankruptcy. Why is this negative report still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I have been the victim of financial fraud by a family member that was prosecuted and served federal prison time for it. It has caused me many issues with my credit and personally. Many of the items that are on my credit report were part of the fraud and I am stuck with trying to fix it as best I can. I have worked for years with those that have allowed me to do so. Those that were unable to do so are the ones I am now trying to clear up and at least get them to show correctly on my credit report. This has been very frustrating as a consumer, so now that I have found this website, I am hopeful. 
A collections company has evidently bought debt from a CC company and placed XXXX sections on my credit bureau. I feel as if this is incorrect as no one from that company has ever contacted me at all. I believe this is only XXXX debt as a result of my name and SS # being used fraudulently and would like to get this clarified and corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
I applied for the American Express XXXX card with a XXXX Membership Rewards points bonus offer. The terms of the offer stated that the XXXX points would be available within 6-8 weeks of meeting the minimum spend requirement. The XXXX points did post to my account, but I was told by an American Express representative that everyone who applied for the XXXX point bonus offer would have their Membership Rewards account locked and be unable to redeem their points for 6-8 weeks. An American Express agent I spoke to confirmed that it has been over 8 weeks since I met the minimum spend requirement and since my Membership Rewards account was locked, but that my points can still not be redeemed. He also said it was not possible for somebody to manually unlock the account, and that I would need to wait until the system automatically unlocks the points. He said there was no date by which the points are guaranteed to be unlocked, and that I will need to wait for an indefinite period of time to redeem my points. This applies not only to the XXXX points that I earned from the bonus offer, but to all of my Membership Rewards points, including those I earned from other cards before signing up for the bonus offer. Essentially, all of my Membership Rewards points that I earned in accordance with their terms are unusable until an unknown date, and nobody at American Express can fix the issue or tell me when the issue will be fixed, despite the date that their terms said the points would be available having passed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
MIDLAND IS ATTEMPTING TO COLLECT ON THE ACCOUNT THAT IS TOO OLD TO BE ON FILE IT HAS BEEN 7+ YEARS SINCE FIRST DATE OF DEFAULT AND IT HAS EXCEEDED STATUTE OF LIMITATIONS. AND MIDLAND HAVE FAILED TO VALIDATE AND PROOF TO ME THE ACCURACY OR VALIDITY OF THE ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03 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: TX

Complaint narrative:
Midland Credit Management , Inc ( MCM ) is reporting a debt collection of {$890.00} under my name to XXXX credit reporting agencies ( XXXX, XXXX, XXXX ). I requested that MCM send me specific information pertaining to this debt because I have not had a XXXX credit card ( original creditor ). When I requested the validation of this debt, MCM replied with a sloppily photocopied credit card statement and subsequently submitted a " Disputed '' remark to the XXXX credit reporting agencies. This is troubling for several reasons : - I did not and have not had a XXXX credit card. The statement does not show any agreement I entered with this bank to open a credit account. I do not know how or why an account was opened and is being reported under my name. 

- I did not, at any time, request to submit a " Disputed '' remark to the credit reporting agencies. I was merely requesting more information about an alleged debt, but MCM took it upon themselves to report something I did not dispute. 

- MCM is not only attempting to collect a debt that is not mine, they are attempting to collect an amount of {$840.00} without explanation. The statement they sent me as " validation '' of this alleged debt shows a balance of {$590.00} with no further explanation as to how or why they are reporting a balance that is {$250.00} more than what they are suggesting I owe. 

MCM 's debt collection is not only inaccurate, but irresponsible. They have not, in my opinion, provided sufficient verification that this alleged debt belongs to me, yet they continue to report it monthly. In addition, they should not submit disputes that were never requested by me just because I am requesting more detailed information about an account. This feels like a bullying tactic to ( 1 ) make a person feel guilty about requesting more information, and ( 2 ) indirectly provide that person with the negative consequences of having a dispute remark on their credit reports, such as the potential ability to obtain future credit or loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Indicated committed crime not paying
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
Called me at work -Womans tone on the phone was extremely loud. Everytime I asked for proof of the validity of the debt she kept on saying I owe the debt and we sent you stuff, I never got it told her that and then asked me where I worked. Rude ladyCalled me from a cell number - XXXX Kept on asking why ca n't I pay today. Said I was n't til I see copy of bill she refused to send me a copy. 

They call me XXXX sometimes XXXX times a day and never leave messages

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-09 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
I was offered a 0 % introductory balance transfer by American Express on their " Blue Cash Everyday '' The offer was to expire XXXX XXXX 2016. Speaking with a representative on this day, XXXX/XXXX/2016, I was informed the offer is still available and I would be able to do a balance transfer from my XXXX card to the new Amex card in the amount of {$7800.00}. Today, XXXX XXXX, 2016, I received a letter from Amex ( dated XX/XX/2016 ) stating the offer was declined because the limit to transfer may not exceed {$7500.00}. When I called Amex today XXXX XXXX 2016, I questioned " their '' error hoping to discuss with a higher authority. However, I kept getting transferred to noone of authority after multiple request to speak with Management that can discuss and solve the issue at hand. I also requested a number other than a XXXX number I could call. No such luck. Between XXXX and XXXX XXXX XXXX, 2016 my paitience had run out. Clearly my call was not going to get transferred to the correct level of Management to resolve the issue. After being transferred 5 times, my last words to an Amex rep were " I do not need you to put me on hold, I have been transferred 5 times and again not to a person that can help me. Please give me the contact name and phone number of a person in Management that can hand ; e this situation and do not put me on hold '' ... .you guest it, I was placed on hold! 

My aim is to have them accept the mistake by their employee of quoting the price of {$7800.00} and have them honor the original balance transfer offer that I was presented with even if it is to be the {$7500.00} limit that they are claiming. But my point is " their '' employee has made the mistake, not the consumer! 

Thank you for your time and patience in reading my complaint and for your dedication to public service.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
XXXX ( the original creditor ) sent me a letter saying this was being deleted. But Midland is still reporting it to the credit bureaus

Company response to consumer: Closed with explanation