vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-11 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
On XXXX XXXX, 2015 I received a charge of {$73.00} from XXXX XXXX ( Reference : XXXX ) on my credit card. While I had done business with this merchant years ago, I neither recognized nor authorized this transaction. I disputed the charge with American Express and they " resolved '' it a few weeks later saying the merchant provided supporting information. The supporting information was a XXXX copy of my online profile page - not a receipt. I called American Express and they could n't explain why they would accept that as " proof '' of this transaction ( XXXX call center ), only stating that I could reopen the investigation and that maybe it was filed incorrectly ( as " I do n't know this merchant '' rather than " I did not authorize this transaction '' ). ( Dispute Reference Number : XXXX ). 

I reopened the investigation following their instruction on XXXX XXXX, 2015 and yesterday ( XXXX XXXX, 2015 ) I received a notification with the subject " Your account has been credited '' and body " We contacted XXXX for you to give them the opportunity to provide any additional information. As of today, they have not given us the information we need to resolve the matter. Therefore, we will issue a credit for {$73.00} which will be reflected on an upcoming statement. '' ( Dispute Reference Number : XXXX ). When I went online to confirm this credit was posted ( or pending ), I did n't see it so I initiated a chat session. I asked the representative 1 ) when it would be credited and 2 ) why they accepted the initial claim as proof. They statedI called American Express and the customer service representative said she would credit me this amount, however it 's not posted to my account. More importantly, she stated that the original and subsequent claims were both denied but could n't provide any justification for them. It 's a matter of principle : this was not my charge. 

So I am writing you as a last resort as this charge was not mine, and I attempted to resolve this issue XXXX now with my credit card company. I wo n't accept a simple " here 's a credit '' rather I would like them to explain why they still feel this charge is valid. I would like the charge reversed. 

Thank you for your time and consideration on my behalf.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-05 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I was notified by XXXX and American Express ( AMEX ) that XXXX would be handling XXXX credit card accounts starting XXXX XXXX, XXXX. In early XXXX I received new XXXX XXXX cards ( personal and business accounts ) with the XXXX logo. I went online as instructed to register with XXXX that I had received the new cards. On XXXX XXXX I attempted to use the new XXXX XXXX cards but they did not work. I contacted XXXX first and they had no record of the cards. After many conversations with XXXX, AMEX and XXXX I was led to believe that AMEX decided no to sell my account to XXXX. At first AMEX told me they wanted to keep my account because I had been such a good customer since XXXX. I explained to the AMEX customer service rep that I had already opened a new AMEX Simply Cash card account and that I also had AMEX XXXX and AMEX XXXX XXXX co-branded cards. I further explained that I did need a fourth AMEX account and that I wanted my account transferred to XXXX as I was originally told. AMEX also told me on XXXX XXXX that XXXX was having technical issues and that my account should transfer by XXXX XXXX or XXXX at the latest. I checked back XXXX XXXX and AMEX told me that some of the accounts like mine would not transfer until early XXXX but I would get an email on XXXX XXXX explaining what would happen to my account. When I did n't receive an email from AMEX on XXXX XXXX I called again and was told my account would not transfer because XXXX refuse my account which XXXX adamantly refutes. I had credit lines totaling over {$100000.00} with AMEX and an XXXX FICO score. AMEX told me on XXXX XXXX that I would be mailed a letter that day explaining why my account did n't transfer and detailing my options. I received the letter on XXXX XXXX but there was no explanation. I called customer service again on XXXX XXXX and asked that I be given an explanation but AMEX refused. I was forced to apply for a new credit card with XXXX ( which was instantly approved ) but I did n't want to have that on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11 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: AR

Complaint narrative:
On XX/XX/2017 Midland Credit Management ( MCM ) contacted my husband at work at an inconvenient time for him to be getting a call. He calls back to inquire as to the purpose of the call and the representative he spoke to identified themselves as a debt collector and the purpose of the call was to collect a debt. 

The representative proceeded to tell my husband ( a 3rd party person ) the amount owed and how he was going to pay it. My husband told the man that he just broke a federal law and hung up. 

I called the company and authorized my husband to speak to them on my behalf just this once in regards to the debt. My husband called them back on his break and asked for a representative from the US and was placed on hold for over XXXX minutes and hung up as he had to get back to work. In XXXX minutes, MCM called him 2 more times while at work resulting in harassment. 

The following day, XX/XX/2017, MCM contacted my husband again in regards to the debt while at work. After my husband got off of work he called them back to verify if it was the same company. Another representative proceeded to tell my husband that it was an attempt to collect a debt and provided the amount owed. 

Twice in 2 days MCM has broken FDCPA law by speaking to a 3rd party about my debt owed and attempted to collect from him. FDCPA states that a debt collector may not discuss the debt with a 3rd party and can only call a 3rd party one time in order to locate the customer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-22 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I received an American Express Gift Card as a gift from my boss from work. The first time I tried to use the card ( at a XXXX 's ) only a portion of the purchase was applied to the card ( approximately {$8.00} ). I thought that was weird but did n't think anything of it. The next few times I tried to use the card - all charges kept being declined. Curious, I went on American Express 's website to see how much the balance was. To my surprise, the balance was XXXX. The stated beginning balance on the card was {$100.00}. I noticed charges that I did not make on this card they are the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Purchase ( XXXX ) w/ Bal Return & XXXX - Reference number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Purchase with XXXX - Reference number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I received a letter in the mail from Midland Credit Management saying that I owe {$1200.00} from XXXX. I do not and have not had an account with the XXXX. When I called the number on this bill, it went to XXXX. There are XXXX different addresses in California on this bill. I have no negative marks on my credit. This sounds like a scam. They wanted to 'verify ' my name and social security number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OH

Complaint narrative:
My husband and I are trying to refinance our mortgage with XXXX XXXX XXXX XXXX. Beneficial who now holds the mortgage is refusing to send XXXX XXXX a 12 month payment history even though I 've never missed a payment. I think they are doing this on purpose so they can keep collecting the 8.2 % interest I am currently paying them. For 6 weeks they kept telling us they were doing it, then they said because we filed bankruptcy ( of which they were not a part of ) 5 years ago that they ca n't send the request of 12 month payment history to XXXX. This is not the first time I have had problems with Beneficial. I tried to file a complaint with the XXXX last year or year before last because they were not taking the tax payments I was making to them and applying it towards the taxes. That was never resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 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: TX

Complaint narrative:
Sent them a validation of debt letter asking for original contracts with signatures and they have not complied yet. They took XXXX item off but not the other and I do n't see what the difference is because they could not validate either account. They also have a status of 'pending cancellation ' for their XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-26 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I applied for the XXXX XXXX XXXX Back American Express credit card to take advantage of the balance transfer promotion that was being offered to new cardholders. They sent out the first card and I did not receive it, when I called to inquire about where the card was they canceled that card and sent a new XXXX. However, they sent the card to the address I specifically asked them NOT to send it to after I had twice provided an alternate address. Again I did not receive that card so they canceled that card and sent me a third card, which I received 2 days AFTER the 30 day window for new cardholders to complete the balance transfer. When I called American Express, I was told there was nothing that could be done and refused to provide me with the offer that was promised to me when I originally applied for the card. The person who I spoke with transferred me to a supervisor who was very rude and condescending and whose name was XXXX XXXX XXXX ID XXXX ). I explained to her that I had tried to make the balance transfer but was told I could not do so until I had received the card and that the reason why I had not received the card was the fault of Amex and not me, she again told me there was nothing that I could do about it and said I would not be allowed to speak with another supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
Due to an error ( not submitting insurance payment from our escrow ) on the part of the Mortgage Servicer, beginning 2 years previous of notification to me, I was placed on " Force-Placed '' Insurance, and the payments went up from aprox. {$1900.00} per month to almost {$2600.00} per month. 
Even after we got our own insurance, we were considered a " High Risk '' insurance, and ca n't get the rate we used to have, but now have a {$2300.00} per month payment to deal with. 
I want to get my old payment back, as now this is a major struggle to meet payments, and I fear that I will lose my home due to someone 's ineptitude. 
HSBC 's attitude has been one of aloof indignation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MD

Complaint narrative:
HSBC is continuing to initiate monthly transfers from my banking account after I closed my HSBC online savings account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-06 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: TRANSWORLD SYSTEMS INC
State: WV

Complaint narrative:
XXXX XXXX XXXX attorney continued to proceed with a collection lawsuit after defendant attorney notified them of bankruptcy filing. 
School : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX , XXXX XXXX ( now closed ) Private student loan owned by XXXX XXXX XXXX in collections. 
Attorneys representing XXXX. XXXX XXXX and XXXX ( XXXX ) & XXXX XXXX ( XXXX XXXX ) XXXX Filed a complaint ( wrong venue ) in XXXX XXXX XXXX Circuit Court XXXX XXXX at a former address I had not lived in in almost three years. Lived in XXXX XXXX 2 years after then reloca ted to XXXX. Alleged Debt was incurred in XXXX County XXXX, not in XXXX County XXXX 
Issues:1. XXXX willfully initiated a collecton lawsuit in a county of non residence of defendant, and in the wrong county where the alleged debt was incurred. XXXX willfully served the defendant at an older address in hopes the defendant would not find out about the lawsuit and obtain a judgement without the defendants knowledge. 
2. Defendant filed for bankruptcy protection days prior to the motions hearing. Both the XXXX County Circuit Court and plaintiff attorney were notified prior to hearings about the bankruptcy filing and all collection activity must stop. 
3. XXXX attorney still went forward after notification to obtain a judgement ruling after being notified. The defendant showed up at the hearing and presented the notice with bbankruptcy attorneys letterhead to the judge presiding over the case on Friday XXXX XXXX XXXX. The Judge ordered a XXXX monthccontinuance upon verification of my bankruptcy case. The plaintiff attorney was given a copy of the letter from my bankruptcy attorney advising of the filing prior to the motions hearing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Client Services, Inc.
State: NC

Complaint narrative:
This gentleman called me and asked for personal information without disclosing who he is or what it is he wants. Did not tell me which company he was calling from or who he was representing and would not say so until I gave him my personal information. 

The reason I know the name of the company and what they do is because I got their number and returned the phone call where they said the name of their business on answering the phone and then looked them up on the internet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-24 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have applied for American Express XXXX card in XXXX of this year. There was an attached bonus of XXXX Membership rewards points after spending {$3000.00} in 3 months. I fulfilled the requirements and did n't break any rules. In XXXX I converted it to Amex XXXX card, with lower annual fee. 
There was no stipulation to keep Amex Platinum open for a certain amount of time. Unfortunately, American Express took my bonus XXXX points anyway. When I called them, they said they felt like I 've abused the program ( their words ). 
When I contacted them to convert the card, at no point did the representative let me know that I 'm risking my points. In fact, he told me that I will keep my points. 
I did n't violate any rules, and there was nothing in the contract to prevent me from converting the card. They also charged me an annual fee of {$450.00} upfront, though they did refund me a portion of it. Still, I paid several hundred dollars and got nothing to show for it. I hope you can help me. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
In accordance with the ( FCRA ) Fair Credit Act Section 609 ( a ) ( 1 ) ( A ). I 've formally requested PHH Mortgage to provide proof of the original consumer contract with my execution of signature on record for the following documents : Note, Deed of Trust and the loan application. They have not responded to my request. Failure to verify accounts in records in complance with FCRA will damage my ability to obtain credit. Under FCRA unverifiable accounts must be promply removed. I formally demand the following accounts to be verified. 1. ) Mortgage Service Center account 2. ) Mortgage Service Center account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-07 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
After making arrangements with Midland Funding LLC to pay a monthly payment of {$65.00} in 2013 three years later the company went im my bank account and withdrew three payments of {$75.00}, {$120.00} & {$2000.00} without my consent, there was no notification from anyone one concerning this matter.There was no contact from them as it regards to cautioning, additional arrangements or any other resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-15 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Called outside of 8am-9pm
Company: ENCORE CAPITAL GROUP INC.
State: NE

Complaint narrative:
Multiple violations of the TITLE VIII - DEBT COLLECTION PRACTICES espespecially sections 805, 806, 808 and 816.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-09 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sullivan Asset Management, LLC
State: NV

Complaint narrative:
I called to make a full payment on a old debt account that I have reported on my credit. I have been in previous contact with this company XXXX for a XXXX XXXX account in the amount of {$310.00}. My representative there is XXXX, she said she could n't wave any amount of it and I needed to pay it back in full so I told her that I will pay it back but at a later time when I get more money saved. I now had the money to pay it off so that I can have it off my credit report. Called the number which I thought was the correct company, I asked for XXXX and the lady who answered said that she was in the office at time moment and that she could help me. I confirm my account and the balance amount of {$310.00} and she took my payment over the phone and said she would forward this to my account representative XXXX and that I should received a confirmation of payment and that It would be updated within a few weeks with all XXXX credit bureaus. On XXXX/XXXX/2016, my credit report updated and I didnt see this account update. I called XXXX and they said I didnt make the payment and I told them yes I did, I called made it on or around XXXX XXXX, 2016. I went thru my emails and I found a receipt for a " Sullivan Asset Management ''. I do not have any knowledge of a account with this company and the payment made was not intended for this account. It was specifically for my XXXX XXXX XXXX account for {$310.00}. I have been mislead to pay an account which I have no knowledge of and this company misrepresented themselves as to have me believe I was paying the correct account that I have reported on my credit report. I saved up money to pay the account that I owe and is being reported on my credit and I am in disbelief that I was mislead to pay a completely different account. I am not trying to hide form any debts but this company " Suliivan Asset Management '' misrepresented themselves in order to received a payment that was n't intended for them. I called Sullivan Asset Management this morning XXXX/XXXX/2016 and used the phone number that was on emailed receipt. The lady I spoke too wouldnt give me her name and said that I was mistaken because there is no XXXX here. I explained to her that this was misleading and a mistake. When I made my payment I confirmed the amount owed and who was my representative. She once again just told me that I was wrong and that there is nothing she can do. Again wouldnt give me her name. I have now paid into the wrong company because they misleading me into believing I called the correct place.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I submitted a Servicemembers Civil Relief Act ( SCRA ) claim to American Express, requesting to have my card 's annual fee refunded for the years during which I performed XXXX. American Express is telling me that XXXX does not count as XXXX and, therefore, is ineligible for SCRA benefits. Title XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX states that XXXX is considered XXXX XXXX. Furthermore, I submitted copies of my XXXX XXXX showing the dates and durations of my XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14 00:00:00
Product: Prepaid card — ID prepaid card
Issue: Managing, opening, or closing account — 
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
This company stole {$400.00} from me. 

My account was closed with a {$400.00} balance. They gave a refund check for this amount. 
I accidentally tried to submit it into the wrong bank account ( brothers ). It was rejected. 
I then submitted to my bank account, with my name. It got rejected. When I called, they told me I needed to get it reissued because of the XXXX incorrect deposit. 

I have contacted Serve to ask them to reissue it. However, they refused to reissue it, saying the check was cashed. This is false, i have the check and it was never cashed. I made XXXX attempted deposits that both did not clear. Now they have my money and refuse to reissue a new check, like my bank told me to get done. 

Each time I call they continue to do nothing. It has been a month and I do not have my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
The company midland credit consistently keeps calling me XXXX everyday from XXXX again at XXXX then XXXX XXXX and XXXX or XXXX I consider this phone harassment. And i complained to the fcc about this in the past

Company response to consumer: Closed with non-monetary relief