vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-09 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Amex ( American Express ) and XXXX terminated their relationship. Amex sent out confusing information about the termination because Amex failed to differentiate " rewards '' ( which would be transferred ) and " membership rewards '' ( which can not be transferred. ). Amex unilaterally terminated the program and stole thousands of membership reward points from its credit card holders. Amex could have done any of the following 1. Continue the credit card and points without XXXX. 
2. Continue the membership reward points. 
3. Converted them to a debit card 4. Sent a check. 
They chose to defraud its card holders by arbitrarily cancelling the membership reward points after XXXX XXXX, 2016. I spoke to XXXX in XXXX ID # XXXX and her boss XXXX refused to talk to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I went online to American Express XXXX and booked a hotel room for XXXX nights, was quoted around {$140.00} a night for the XXXX nights a total with tax of around {$320.00}, and when I hit accept it charged me instead for a total of {$420.00} and booked me for a larger room. When I called to rectify the situation with American Express they failed to take responsibility and rectify the situtuation, failed to make me whole in any way, shape, or form, failed to accept responsibility for the gliche in their website, and failed to accommodate me in any way. I spoke with XXXX XXXX in customer service as well as several others in XXXX customer service and got no assistance at all. I found the correct room online with XXXX, and asked for them to refund but it would take 10 busienss day to process the refund at which time I would lose the deal for the better rated room.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
I been disputed this account two years ago and never I received response, still showing in my credit report. I wonder waht another step I have to follow in order for me to fit it. 
Thank you. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I RECEIVED A LETTER FROM AMEX DATED XXXX/XXXX/2016 ADVISING ME THAT A 3RD PARTY AMEX USED CHANGED MY SSN WITHOUT CONTACT INGTING ME AT ALL? HOW CAN A 3RD PARTY LIKE XXXX BE AUTHORIZED TO CHANGE A SSN WITHOUT THE PARTY 'S KNOWLEDGE, AND ON TOP OF THAT THEY GAVE AMEX A WRONG SSN??

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-23 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
TRANSWORLD SYSTEMS INC. never contacted me prior to reporting a derogatory account in XXXX XXXX to the credit bureaus. Furthermore, the account was already disputed with the original loan servicer as a result of identity theft and was past the statue of limitations for collection and reporting retention per California law. I 've learned from the listed original servicer - XXXX XXXX XXXX ( XXXX ) that the fraudulent unknown account was supposedly opened in XXXX of XXXX and no payments were ever made to the account, it went into non-payment went into non Payment in XXXX and is past the statues of limitations for collection in California and for credit reporting retention. However, on XXXX of XXXX, this company that HAS NEVER ATTEMPTED TO CONTACT ME ONCE reported this derogatory account information to the credit bureau ILLEGITIMATELY and FALSELY reported that the last payment received was on XXXX/XXXX/XXXX when no payments were ever made to this fraudulent account nor recorded by the listed original servicer of the alleged account. This is unlawful and against Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
AMEX defrauded me of XXXX bonus miles and {$50.00} credit even after completing {$1000.00} spending within 3 months and XXXX SPG bonus points in SPG card AMEX sent me a mailer with a promise of XXXX bonus miles and {$50.00} credit even after completing {$1000.00} spending within 3 months.The copy of the mailer is uploaded at XXXX : XXXX However AMEX declines to honor it stating my claim for bonus miles for my Gold Delta SkyMiles ( r ) ( ending XXXX ) is invalid since I had the card before and hence ineligible for bonus. However, as the scanned invite letter from AMEX shows, it was an explicit invite application and nowhere was it mentioned that bonus does not apply to previous customers. AMEX has amended its rules past my application and continues to deny despite my best efforts to reach through their customer support and XXXX. AMEX has done so for my other AMEX XXXX Guest card ( ending XXXX ) in the same vein and defrauded me of XXXX SPG points.However, I failed to capture their mailer on scan. I implore XXXX to hold AMEX responsible to honor their explicit invite in my name with my Skymiles details for application and bonus miles which has resulted in over $ XXXX in charges on the account that could have been spent through a different credit card. Such " bait and switch '' of terms should be seriously reprimanded and I hope XXXX does more than being a messenger in the middle to scrupulous business practice by AMEX cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
American Express is calling every person in my company stating they have critical information and need to reach me asap. I have received several calls from my co-workers. I have been in communication with American Express and offered to make payments but they will not take partial payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-10 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC
State: KS

Complaint narrative:
XX/XX/2015, I was admitted to an emergency department. I had insurance and most of the visit was fully covered. I am currently ( still ) being charged by the physician group at the hospital, saying I owe them money. I followed up with my insurance company, who said I was covered and the reason the physician group was not reimbursed was because they missed the 90 day period to file the claim. They strongly recommended I not pay the bill, as I was covered through my insurance. 

I followed up with the collection company ( XXXX ) several times ( both calls and written statements ) and even had my insurance company call them while I was on the phone to explain the situation, but they still are sending me bills. Recently, I have been getting phone calls and written statements from another company, Transworld Systems Inc, who say they are looking into my account, but only are using the bills as a reference for the account, not the several written statements between myself, my insurance company, and the original debt collector. 

I am at my wits end with this. I have been dealing with these charges for over a year now, taking time away from work to call the collectors, my insurance provider, and attempting to get in touch with the physician group ( XXXX XXXX XXXX, which has n't been possible ). I feel completely taken advantage of. I feel like these debt collectors are ignoring the communications from my insurance provider saying the fault and charges do not lie with me, they lie with my provider 's negligence when reporting the charges. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
One day I was surfing the internet, I desired to my credit on line, I found XXXX accounts, I did n't have any knowledge of the them, I opened a disputed, and XXXX of accounts XXXX was removed from my credit report without a problem, the other account Midland Credit Management.Inc. without investigation, they desired to kept opened on my credit report, I opened a second investigation, I sent an E-mail, I explained, the reason why the account did n't belong to me, nothing happened, I got the comfirmention number from the investigation on my report ( XXXX ) with a missing number, it must be XXXX digits, I was looking for the account number I could n't find it, I contacted the Midland Credit, the person who answered my called asked me for the account number, I told him I did n't have and could n't find it in my report, then he asked me for my social security number, I told he I wo n't give to him that 's personal inf, I said to him, I started a disputed on a account with people, I can give you the confirmention number of your investigation, he replied without account number or ssn, he wo n't be able to help me and he just hang up the phone, so disrepecfull and without good manner, not giving me any other option to correct this problem, I belived those are the same people who opened this account .and was waiting for me to call them so they get full assects to social security and personal inf, I urge you please take matters in this issued and help me to bring down this people before the Law.Thank you I hope to hear from you soon.Sincerly XXXX XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 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: GA

Complaint narrative:
I did n't have a cell phone with XXXX. I was XXXX during that time and could not have had a phone

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-14 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I have had a Bluebird reloadable card from American Express for years. On XX/XX/2017 {$250.00} was loaded onto this card. The receipt showed a new balance that did not agree with my records. When I viewed my account transactions there was a purchase for {$120.00} from XXXX. I had no record of this purchase so I phoned AmEx to ask if they could see what the purchase was for. They were unable to say what was purchased and I told them I was unwilling to make a fraud report before I could verify that perhaps it was a purchase I failed to log. They gave me the phone # of XXXX. XXXX told me what was purchased and I knew that I had not placed that order. They asked for my address and said that was the billing address but the order had a shipping address in XXXX, Delaware. They said they were going to investigate and told me to contact Bluebird AmEx to make a report. I immediately did so. I was told I would receive a new card by mail and within 10 days they would finish their investigation and inform me of my refund if approved. This email referred to my account ending in XXXX. Two days later I received two emails from Bluebird AmEx in reference to account ending in XXXX. The first said their investigation determined the purchase to be authorized and therefore not eligible for credit. The second said they noticed activity on account XXXX that was in violation of the Bluebird Member Agreement, section XXXX. They locked my account and suspended my privileges. I never had an account ending in XXXX. When I called them to dispute this they were unable to tell me what XXXX was and no information was available because my account was locked. American Express is supposed to be the company that protects it 's cardholders from fraud. I reported this claim 2-3 days after the fraudulent purchase was made. My husband subsequently received an email from Bluebird stating that someone had fraudulently tried to use his card at an ATM. My husband is in possession of his one and only card and made no such attempt. They are sending him a new card. What is going on? Someone has obviously obtained account information on the two of us. Why have I lost my privileges? How could Bluebird 's investigation have concluded that the fraudulent purchase was authorized when it was not?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20 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: NC

Complaint narrative:
In XX/XX/2007, I bought a new house and contacted XXXX Security to install a security system. 

According to city ordinances in XXXX, NC, any new alarm system installed in a home is to be registered with the XXXX XXXX Police Department. 

XXXX subcontracted the job to a third party installer who never registered the system with the Police Department or notified me to do so. 

The house was robbed shortly thereafter and since the system was not registered, the police were never notified. 

I filed a complaint with XXXX Security for breach of contract and terminated my contract since they never fulfilled their duties under the agreement. 

Almost XXXX years later, XXXX has chosen to levy a fee of {$390.00} and turn the account over to a collection agency, Transworld Systems Inc., of XXXX XXXX XXXX, XXXX, PA, XXXX. 

This collection agency chose to contact me now, while I 'm in the process of obtaining a loan to buy a new house as a means of exerting pressure and collecting what is a fraudulent debt. 

I ask for the Consumer Financial Protection Bureau 's assistance with this matter so that I can preserve my good name and credit history. 

The account number being used by the collection agency is XXXX. 

Thank you sincerely for your assistance with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Asset acceptance llc in XXXX Mi received a judgement against me for a debt from the XXXX district court. I was not notified and if the debt is indeed mine it is very, very old ... at least 10 years. It 's for {$18000.00} and my state tax was garnished. They must have misrepresented the debt to receive the judgement. They have a history of engaging in deceptive practices to collect time barred debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC.

Complaint narrative:
I am from the XXXX, and had a savings account in the US with HSBC. I closed the account last XXXX, but only received the cheque for the balance in XXXX this year. It was impossible to contact the bank. It was impossible to get through their automated phone system, as I do not have the items of ID requested ( as I am not a US citizen ). I emailed them, wrote letters and phoned on numerous occasions before finally getting my money 7 months later. No apology, no explanation, and seemingly no reason for the ridiculously long wait for my money. It has been the most frustrating experience, and with no way of contacting anyone of import at the bank itself, I want the world to know how horrendous and incompetent they have been with sorting out this situation. If I could find the name of the chief exec of HSBC America, I would have just written to them, but this seems impossible too, so, I have resorted to this! I would not recommend using this bank to anyone! The levels of frustration - and indeed anger - is incredible, especially as it all seems avoidable. I would love to have an apology from the bank, if not some form or compensation - as I missed 7 months worth of interest on the money they still had ( over {$3000.00} ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I typically get email confirmation of payment made which I keep in a payment folder. 
after my last payment on XX/XX/XXXX the email did not arrive I 've been on chat the next night with AMEX chat " XXXX '' who said there was a glitch and I would have it Sunday, this is Monday night and I have been on live chat for 2 hours with several different customer service and XXXX supervisors who tell me they can not resend the email, they made me jump through hoops change my email wanting personal information, and said I could change email myself, so I did and they still tell me they can not send a simple email confirming my payment. 
Desired resolution is for them to send me an email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25 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: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I contacted XXXX XXXX and XXXX to repair a solar panel on my roof. 
I paid them {$630.00} on XXXX/XXXX/2015 but it continued to leak so I called again & again. The last time they said the panel was too old to fix but they would come one last time at NO CHARGE, then sent me a bill for {$170.00} and it continued to leak, causing extensive damage to my roof! They had installed the panel so knew the age BEFORE they said they could fix it and took my {$630.00}! Then they turned over the account to Transworld Systems , Inc. Collection Agency for collection! I was lied to and taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-03 00:00:00
Product: Prepaid card — General purpose card
Issue: Adding money — 
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
i received a american express prepaid card as a gift in XXXX 2015, unfortunately i did not get gift receipt with that.. i tried to use the card now and found that it had XXXX balance.. when contacted american express customer care, i was told they can not do much as it was a cash loading issue at the merchant place

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I have American Express points earned through their program after the required spending. My points we delivered to my account however AMEX will not let me use them as offered in points program despite being listed as " available '' for use. Disingenuous to offer membership rewards points and not let the consumer actually use the points despite being earned. Unclear how this is n't fraudulent on AMEX 's part?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
Back in XXXX of 2013, I came in to contact with a company called XXXX XXXX talked with several people. I do n't remember all their names but XXXX was the last one I spoke with. The bottom line was that I could quickly be found on the first page by XXXX Search, that I could finance the costs and make money to pay off the finance chargers. They asked me how much I wanted to make per month and I said {$4000.00} to {$5000.00}. They said that would be no problem. After signing the contract, I became very disappointed in the first coach : XXXX ( XXXX & lt ; XXXXXXXXXXXX & gt ; ) It just did n't seem like he knew what he was doing and it became obvious that he did n't have a successful online business. I was switched to XXXX ( XXXXXXXXXXXX ). He was better but was really grouchy. I offered my complaints about XXXX XXXX and a few other issues. He did n't want to hear about them. The start with him slow but we finally got to a point where he started on the website. He and some helper made a first pass and then asked for changes. I provided a list but there was no action. Once then all of a sudden he was gone and the XXXX was shut down. I had a partially built website that was incorrect in many ways. I contacted XXXX and with their help built the website myself. To date, the entire operation is a loss. I feel taken advantage by this company which is in cahoots with several other online businesses scammers, they prey on unsuspecting consumers these career criminals even go to the extreme of dragging you outside of your 60-120 day grace period to dispute the charge with the Credit Card Company or bank account with guarantees of success and profitable returns. I feel that this falls under the claims and defense guidelines that state that you have anywhere from 365 to 540 days to respond, if services were not rendered as described. I have tried to reach out to the merchant on several occasions, but it was to no avail. I really need my credit card company to look into remedying this situation. I need this to be taken care ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-08 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I was on XXXX 's wesbite browsing and came upon their American Express cash back rewards program. I am a XXXX member and this program is exclusive for members. I clicked on the link and read about the rewards and benefits. At no point in time did any disclaimer pop up or was displayed telling me the relationship between XXXX and American Express would expire in XXXX 2016. I clicked on the link which took me to the application process on the American Express website. Again, there was nothing during the application process on their website telling me their relationship would be expiring. Now the whole point why this program would interest me or any other XXXX member/consumer is because of the rewards and benefits. I had to learn from a friend after the fact I had applied for the American Express card that their relationship would be ending. This is very misleading and unethical on the part of both XXXX and American Express. If either company had made it known on their websites or during the application process their relationship would be expiring soon I would n't have applied. This needs to be done to protect the consumer and so a sound fair decision can be made by the consumer.

Company response to consumer: Closed with explanation