vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-24 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I signed up for the American Express Platinum card on XXXX/XXXX/XXXX with a welcome offer for XXXX membership rewards ( MR ) points after spending {$3000.00} within 3 months. During the 3 month period I spent {$3500.00} on my card and had a return for {$34.00} and credit from American Express for {$230.00} from their Amex Offers ( {$30.00} ) and the airline incidental benefit from the card ( {$200.00} ). American Express has set a precedent and has counted the airline benefit and offers as a payment and included that into their spend calculations in the past but even without counting that amount my total spend was {$3200.00} during the promotional period. Everything has been paid on time and I currently have a zero balance. I was awarded the XXXX points on XXXX/XXXX/XXXX once I had reached the {$3000.00} in spend with my card. I tried to make a transfer to an airline and it was blocked with an error code. I called American Express and they informed me that they are reviewing the account and it should be resolved within 6-8 weeks. 

It is now XXXX/XXXX/XXXX, 8 weeks after receiving the MR points in my account, and they are still frozen/blocked. I was told their review should be completed by now and when I called again this week they said it could take up to 10 weeks. The terms of their offer state : " Points will be credited to your Membership Rewards account within 6-8 weeks after charges appear on your monthly billing statement. '' So I have been told 6-8 weeks and their terms state that I should have them within 6-8 weeks and yet I do not have them available to me. I find this in breach of the agreement we made when I applied for the card. 

I did some research online looking into why these points have been frozen and found out that there are a lot of other Platinum Card holders that have had the same issue. I am not sure if American Express overextended itself or what the issue is but I think that they have broken the terms of their offer and I would like my points released so that I can use them. I have been a customer with American Express since XX/XX/XXXX and this is my first membership rewards card and I am pretty disappointed in the treatment that I have received. I would think they would offer better service to the customers of their premium card with a {$450.00} annual fee.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-10 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MA

Complaint narrative:
I opened a checking account with HSBC bank in XX/XX/2016, and signed up with a promotional offer for a {$350.00} bonus upon meeting billpay criteria. I completed the requirements in early XXXX. The terms said that it may take 4-8 weeks after completion to receive the credit. I waited 8 weeks and contacted HSBC customer support. They keep saying to wait, or that they are investigating. I have now contacted them 5 times, over the course of 5 weeks, with no resolution in sight.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-12 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I did not receive any notice of this dept if so I would of put my medical insurance information, I 've had medical/iehp since 2009

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29 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: MA

Complaint narrative:
I receive repeated phone calls from Midland Credit ( XXXX ) at ALL hours of the day attempting to collect a debt that is not mine. I have read that Midland may be calling to resolve a debt owed by a relative of mine. While this may be the case, I do not have any joint credit with a relative that has ever been in default and do not want to continue to be harassed by Midland Credit for a debt that I was never a party to. 
Please issue a cease and desist order to Midland Credit from this unfair harassment practice immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: ENCORE CAPITAL GROUP INC.
State: ND

Complaint narrative:
Midland Credit Management ( MCM ) had continued to contact me early in the morning even after multiple times telling them that I work third shift and not to call me at those hours. Agents use fake names, always calling from XXXX such as " XXXX XXXX '' and " XXXX XXXX '', typically releasing sensitive information without verifying identity first.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-21 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: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
My complaint is that this company knowingly continues to provide unfavorable and harsh collection/reporting of my account to the consumer and XXXX major credit bureaus ( XXXX and XXXX Credit Reporting Agencies ) ; therefore, they are continuously violating both the Fair Debt Collection Practices Act ( FDCPA ) and The Fair Credit Reporting by misrepresenting the ( 1 ) amounts owed, ( 2 ) payment made ( 3 ) terms of account ( 4 ) fees ; thus, knowingly and purposefully reporting and providing XXXX incomplete, inaccurate, unreliable and missing information XXXX obsolete and outdated information that should no longer appear XXXX information that possibly reveal medical information XXXX incorrect notation in listing account as open when they are closed or accounts that a do not indicate " closed by me and not the creditors '' XXXX incorrect payment status XXXX more than XXXX delinquent date XXXX wrong notation for closed accounts XXXX failure to correct misrepresentation and accounts that have been remedied XXXX refused to investigate the disputes before continuing to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
Credit card company increased minimum payment by almost 300 %. 
Card had no limit and we always paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I began getting Robocalls on my cellphone XXXX in XXXX averaging 7 to 10 calls per week stating they were calling about a claim number. These calls appeared to be spam so I began to block them.Then thye began calling the main line of my company XXXX and would speak to staff asking for me and telling them this was related to a legal matter and it was very important that they speak with me. I contacted them to see what the call was about and explained to them that I did not have the debt, nor an account with the bank they claimed. I immediately check checked all XXXX credit reporting agencies to see if this account was on my report or if a credit pull for that bank was on my report as a hard or soft inquiry. It was not listed. They asked me for my address and other information and I refused to give this to them because that is not my bank. I asked them when did I write this check that hey say I owe. The said they would send me proof if I would confirm my SS # and give them my current address to send the proof too. I refused and I told them to stop calling me. After that they began calling my mother at work and on her cell phone XXXX with the robocaller and the live person. She has told them to stop the continue. They are calling my Aunt XXXX and now they are calling my children on their cellphones with robocallers. XXXX, XXXX, XXXX. This is certainly a violation of TCPA which provides wide protection against robocalls, calls using automatic dialers, and automated messages. For the most part, the TCPA states If a debt collector makes impermissible robocalls to a consumer 's cell phone, the debt collector is liable for {$500.00} per call. If it can be proven that the calls are willful, the damages are {$1500.00} per call. I will be asking for them to pay for this harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I apply for an American Express Platinum card XX/XX/XXXX, the open bonus is XXXX MR bonus points with XXXX purchase in the first 3 months. I fulfill the requirement and get the bonus more than 2 months ago. But just 3 days ago, The American Express take the XXXX points off my account, which is not reasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I emailed and mailed the following to XXXX XXXX, CEO of Amex on XXXX/XXXX/XXXX : Re : American Express Acct No. Ending in XXXX & Amex Corp Card Ending in XXXX Dear XXXX, As an America Express member since XXXX and a strong advocate of your company 's services, I am reaching out to you for assistance. I became unemployed in XXXX of XXXX. I immediately notified your company on account number ending in XXXX that I wanted to be put on a payment plan. I was told I did n't qualify, but that I could continue making payments until the balance was paid off. I made payments every two weeks either on line or by phone. Each time I made a payment by phone and spoke with your representatives, I told them about my unemployment status, and not being put on a payment plan - I received the same answer which was to continue making payments until there was a XXXX balance. 

Although my account was suspended, I continued making payments which included late fees, annual membership rewards fee, and the annual membership fee. In XXXX, I could no longer make a payment on line because the status of my account was canceled. I immediately called and was told that because my account was delinquent for so long, your process was to cancel the account. I explained several times that this information had never been provided to me, and the representative told me that I can apply for reinstatement if I agreed to pay {$25.00}. I grudgingly agreed to the fee and a week later I received a letter saying I was n't eligible for reinstatement. I again called and spoke to a manager who explained I can apply for reinstatement once the balance is paid in full. This was done on XXXX XXXX, XXXX. 

What I am requesting is for the above reference account to be reinstated, along with my reward points that I 've paid for throughout the almost 30 years that I 've been a member. I 've been employed since XXXX and I am capable of making timely payments. 

Your records will also indicate there was a delinquency on Amex Corp card ending in XXXX. This delinquency was a result of my prior employer not approving the expenses in a timely manner. I 've enclosed their letter for your review which shows all charges, and late and cancellation fees were paid in full by XXXX. 

I was contacted my XXXX XXXX from Amex on XXXX/XXXX/XXXX who told me my account would not be reinstated and to read the terms and conditions. I then told him to give me a full refund of the annual reward program fees ( approx. {$45.00} for 28 years ) and was told I was not eligible for a refund. I asked several times to speak to his manager or the CEO and was told repeatedly he had the final say and my situation had been reviewed with the CEO and he approved the decision. He then hung up on me - the call was recorded and this can be verified. Ironically enough I am being solicited for the blue, optima and corporate Amex cards on a weekly basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
I have had an account with Amex Serve since XX/XX/2016, My direct deposit has come in later and later every week for the past 4 weeks and I am paid every week Wednesday. I spoke with a representative on today who informed me that my direct deposit will not process to my account until after my pay date. I spoke with the supervisor XXXX and she nor the representative were able to provide a valid reason why my deposit would come in late. I request to speak with someone that was able to actually assist me and the supervisor XXXX informed me there is no one able to assist me. Now, I will have no gas to get to work this morning and I may be assessed a late fee on my rent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28 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: PA

Complaint narrative:
Complaint is against Midland Funding and all of it 's affiliates. 
I disputed entry on my XXXX Credit Report regarding Midland and that they had opened an account under my name. Enclosed is the response I received from Midland along with it 's enclosures. The letter is addressed to XXXX XXXX XXXX and the enclosed judgment that Midland saught against me is for XXXX XXXX XXXX. Midland clearly has conflicting information in regards to whom owes this debt and did not spend allowable amount of time reviewing any documents to ensure that the correct individual is being pursued. I would like this information to be removed from all records pertaining to my identity as it is causing hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: FIRST NIAGARA FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
I 'm starting to think I might have been a victim of predatory lending. I am only 2.5 years into my auto loan with First Niagara Bank, and I 've noticed the current value of my car is only XXXX and my auto loan balance is XXXX How in the world did they sell a car for so much more than what the car was worth? I 've asked the lender if I could do some type of refinance to somehow save on interest so I could pay more to principal, and I ca n't I 'm stuck.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-07 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
They havent provided the dates that this debt was chrged off and the correct amounts of monies owed and how method of how they came to the determined amount as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Portfolio Recovery Associates, LLC
State: MN

Complaint narrative:
This " debt '' is for a {$40.00} bottle of Foundation ( makeup ) that was returned. Despite this being returned, XXXX still continued to charge me late fees. This whole {$120.00} is for late fees on a product that was returned!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I reached out to PORTFOLIO RECOVERY ASSOC XXXX/XXXX/16, requesting verification of a debt. Today is XXXX XXXX, 2016 and I have yet to receive any verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Portfolio Recovery Associates, LLC
State: UT

Complaint narrative:
When I went to court on this debt, the Plaintiff 's attorney stated that he could not provide ANY documentation or the original, or any copy of my signature on any signed contract, or any other original documents showing that this was my debt. But that because he had my name on a piece of paper, that I owe the debt. This is in violation of Federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-10 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
portfolio recovery associates is trying to collect on I debt I do not believe is mine. They stated in the letter they purchased this bill in XX/XX/XXXX in regards to a phone bill not paid in XX/XX/XXXX they were not able to supply and address for this bill and the information they do provide is very vague. This debt would be XXXX years old if it was valid and according to the past history of this company I believe this to be a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Harley Davidson Financial Services Inc
State: CA

Complaint narrative:
A gentleman by the name of XXXX XXXX has been contacting employees, their spouses, customers, and spouses of customers for a business I own. The gentle has then further informed them that the business is under investigation. Furthermore informed them that I am under investigation. XXXX of the employees he called is on probation, he informed him that he knew the employee was on probation and threatened to send people to the house. He then called that employees x-spouse and made similar threats. That employees can not now see his child because the mother was so intimidated by the call that she does not feel it is safe. That employee may now have to quit to maintain the relationship with his daughter. They have made several similar calls to customers of the business that they have found thru the XXXX page. They have gone above and beyond what the law allows to intimidate both customers and employees of a business I own for a personal debt that has nothing to do with the business. It has had an emotionall distressing and adverse affect on the business both in reputation, profits, and moral. From everything I have read I can not see how this is legal. They have been told on several occasions that I can not be reached at the business and they still call intimidating my employees telling them the business is under investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11 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: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
My name is XXXX, but I am NOT any of the many XXXX a company called Portfolio Recovery keeps calling me about. I have asked them to take me off my list, yet I continue to get calls for XXXX who are not me and not known to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
portfolio is showin on my credit report with an account opened date of XXXX 2015 I have only opened XXXX account in XXXX 2015 and that was XXXX auto loan which was paid off in XXXX from an insurance company due to toal loss, ive disputed this portfolio many times and I keep getting same outcome that says they verified accuracies consumers still disagrees, well yea because I did not open a credit card in XXXX 2015

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I 've tried to resolve a credit issue with Lexus Financial over the phone and I 've had no luck. I finished a lease with Lexus Financial Services and asked them to show the credit transaction as satisfied and paid off with a zero ( {$0.00} ) balance. I have always paid this account on time and the history of it account should reflect that on my credit report. I 've tried to contact multiple departments as well as trying to reach their corporate offices with no luck. I normally would'nt file a complaint, however, their responses of " their is nothing we can do '' seems very scripted and does not sit well with me. I 've never had a problem with LFS accept for this. Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
After Disputing my credit with XXXX by phone and on line the online report became unavailable. They continue to report multiple accounts it took 3 weeks to get them to send me a copy of my report by mail. They refuse to update my address information and are still reporting an address I have never had which ccould be associated with Idenity theft XXXX XXXX XXXX, XXXX Tx XXXX I have disuted this address several times. I never lived here or know how it has come to be on my report. They contine to report my student loans multiple times when I called the collection agencyes who they show to be reporting them I was told thet the reason they are showing up on my report is because XXXX is sending them repeated investigations ect but that they should have droped off after 30 days as they are no longer reporting them the loans have been discharged and I no longer owe them. They are reporting them 9 times.While there were only XXXX loans that have been completley dicharged. Also they have elected to now only report my negative credit and have erased all of good credit. which is only being reported by Transunion and experian. They wiped it off since 2013 when I last disputed my credit with them. Now because off their missreporting the amounts of inaccurate debts that were part of Identy theft XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX. They continue to report these account along with the collection agencey who continue to harrass me in regards to the stolen credit cards.By doubleing the accounts and in the case of the student loans trippleing the number of negative accounts tremendousley effecting my credit score. After contacting the above original creditors they have all told me they have no rights to the accounts they have long been sold and are not updating or any longer reporting to the credit bureaus.

Company response to consumer: Closed with explanation