vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-21 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I visited the American Express Website ( www.card.americanexpress.com ) on XX/XX/2016 and did a pre-qualification to determine the best card for my balance transfer needs. My results indicated XXXX cards, The Blue Cash Everyday, The Premier Rewards Gold Card and the Every Day Card. The website indicated 0 % APR for 12 months and a {$100.00} reward after spending {$1000.00} within the first 3 months for the Blue Cash Everyday Card. Based on this information, I did a Balance Transfer from my XXXX Card which at the time had an APR of 12.99 % to my new Amex Blue Cash Everyday Card. First Statement dated XX/XX/2016 I was charged interest, I called customer service on XX/XX/2016 to put in an investigation. The first representative that I spoke to indicated that it might have been a system glitch. The second representative I spoke to a week later indicated I needed to enter a promotion code during the application process and as a result of me not entering a promotion code I would have to reapply using a promotion code for the same card. I replied that there was no mention of a promotion code at the time of my application and also proceeded with a 'mock application ' using my mobile phone during the call, got all the way to end of the application without submitting and again, explained that there was no mention or request for a promotion code for the advertised promotional Introductory offer. I called several times requesting updates. On XX/XX/XXXX during one of my followup calls, I was told by the representative that " offers are advertised but not every one qualifies, it depends on ones credit report ''. At which point I responded that my credit report satisfied the lending requirements hence the approval of the credit card. The representative went on further to say " yes, you were approved to have the card but not the introductory offer after review of your credit report ''. After almost two months, a dozen phone calls and conversations with numerous representatives within the Customer Service Department, on XX/XX/2016 I was informed that the investigation has been closed and the introductory offer was not applied to my application because after review of my credit report, I do not qualify for the introductory offer for which I applied. I was however approved at an APR of almost 24 %. This was not indicated in the Disclosures/Credit Card Agreements on the website, which I took the time to read prior to submitting the application. This is clearly a violation of Regulation B, Equal Credit Opportunity Act and I truly believe that I have been a victim of discrimination with regards to the evaluation of my credit application. The advertising and marketing information listed on the website was unfair, misleading and extremely deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated committed crime not paying
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXXXX/XX/XXXXAmerican Express GoldDeceased Account Resolution TeamXXXXfax : XXXXphone : XXXXRe : Notification of Death - XXXX XXXX XXXXDear American Express : This letter is written to request after monthly phone calls since XX/XX/XXXX have failed to advance my request, please convert my husbands account back into his name. 

My husband died on XX/XX/XXXX, minutes before midnight, in essence XXXX. Less than 48-hours following XXXX death I was contacted by American Express and the representative asked for XXXX, his payment that month was late. 
I notified the representative of XXXX death. 
Let me be clear, I was under extreme duress and not represented by council. I was made to feel I was obligated to take over this account by XXXX-specific issues. 
I asked the representative on that day these questions? 

1 ) " Did I apply for this line of credit? I explained that I was an authorized user and I had no memory of applying for this line of credit. the representative placed me on a brief hold, when she returned to the phone she stated : " You both applied for the credit card. " 2 ) " Am I responsible for this credit card? I thought I was an authorized user only? '' The representative replied " yes. " Deceased 's Full Name : XXXX XXXX XXXXAddress : XXXX XXXX XXXX, XXXX XXXX, XXXXSocial Security Number : XXXXDate of Birth : XX/XX/XXXXAccount Number : XXXXTo be clear, I have met with Legal Council since in my opinion you are posturing in a manor which demonstrates you are impeding progress. Since inaction is your only action, I am notifying you may sue the estate of your relative or a person legally responsible to pay the debt. However, I have no obligation to pay debts I do not owe. 

Please contact me by email XXXXXXXXXXXX about any questions regarding this account. 


Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-28 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: FL

Complaint narrative:
XXXX is the original Creditors. For a credit card limit of {$400.00}. Dollars I left a balance of {$120.00}. In XXXX Midland Credit Management, is the Collection company..for XXXX, They called me XXXX XXXX, XXXX Told me I Owe {$12000.00} to XXXX. 
I Asked them to send me Proof of my debt, and signature, they told me they do n't do that, I must prove I do n't Owe this debt. I was told that a Judgment has been fild agents me. I had been served in XXXX! I 've never been service! or Ever Owed Anyone Such A Large Amount! 
In XXXX or XXXX I had a Cash Line of Credit of XXXX/dollars deposited in my account by XXXX. and a Limit of XXXX. I Only Used {$1600.00} dollars and Left owing {$1200.00}.! When They Went Bankrupt. Out of business, Know where to send payment to. Is the only reason for that last balance of {$1200.00}. The Only Other Debt I Had was a car loan.! That was Paid Off. I Never Owed {$12000.00}. To XXXX. 
And A Judgment.!?! I Need this Removed from my Credit File and What Judgment!!??!! They keep saying I 'm going to be served, or was Served, threatened to Trying to garnish my account, its a Federal government child subsided Adoption Refund, Go to my Employer, Possibly Arrest Me..Every time I clear my credit, these creditor 's start again ...!! Please help.!!! 

Before this Agency it was a {$16000.00}. Dollar debt!?! 
I also Never Owed in XXXX form XXXX collection agency. from XXXX, This is Fraud.!! The Same Debt I Do n't Owe only the Amount have Changed. 
XXXX I had Only XXXX {$10000.00} dollar Credit Limit Never Used The Money The Company Went In Bankruptcy.!! The Money Went Gone back to Them. I do n't Owe this And I Want All So called Judgments Removed as I Did n't Owe this Debt..!!! Fraud..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I was targeted for an American Express Platinum card. On XXXX XXXX, I logged into the cardmatch tool at XXXX and saw an offer for XXXX membership rewards points after spending {$3000.00} in three months. I applied and was approved automatically. When the card arrived three days later, I called American Express to activate my new card and inquire about my signup bonus. The rep whom I spoke to said my card comes with no signup bonus. Despite me having screenshots of the XXXX point offer and contacting many other associates and supervisors through the phone and online chat, American Express and I have not been able to solve the situation amicably. I have not used the card and will not be doing so if I 'm denied what 's due to me. They 've billed the annual fee to my card ( {$450.00} ) so I 'm calling for an immediate resolution to this situation so I know how to proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-24 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: NY

Complaint narrative:
Midland credit management is notorious for slandering credit reports with false information, and using unlawful business procedures and harassment to attempt to collect debt. I have received numerous phone calls at all hours of day and night, in addition to letters sent to my parents house ( where I have not lived for over 4 years ). I demand that they remove the collection account they are incorrectly reporting on all XXXX of my credit reporting agencies ( XXXX, XXXX and XXXX ) immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: MO

Complaint narrative:
I have requested numerous times for Santander Consumer to provide clear consistent information and verification of the debt i owe them. Each of my credit reports shows different information and they continue to show an open Charge Off. I have disputed directly with no follow up or information given. They continue to report every month. I have disputed with the XXXX major credit reporting agency and they continue to report every month. None of the information they are reporting is correct because none of it can be verified. I want Santander Consumer to remove all traces of there collections claim from the XXXX major credit reporting agencies XXXX, XXXX, and XXXX. I also want in writing that this issue has been resolved as Santander Consumer based on research and Class Action suits brought up against them and won, will continue to pursue debt that is not theirs to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-20 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
On XX/XX/XXXX I applied for an " Amex XXXX Credit Card '' through the American Express website. American Express 's automated system then pulled my " XXXX credit report and automatically declined me due to a " low credit score. '' I have been trying to get a live " human '' credit analyst to review this application with me, as I was unaware Amex would be pulling " solely '' from XXXX which has a score of XXXX XXXX My XXXX is XXXX and my XXXX is XXXX XXXX, but unfortunately no one has contacted me from Amex at this point. Quite a few years ago, I unfortunately defaulted on a student loan that I did not have the ability to pay back at that time. However I got back on track, and paid off the loan in full, so there is no longer any outstanding debt, and despite it being paid off in full, that XXXX incident will remain on my record until XX/XX/XXXX I have a credit card with both XXXX for {$3000.00} and XXXX XXXX for {$2000.00} that have been paid in full each month, as well as {$1200.00} in savings. I was hoping to finally join the American Express family, and would really like to speak to someone from the " executive office '' of Amex to reconsider my application. I 'm willing to prove my " creditworthyness '' to Amex, so I ask that they just approve me for the amount that is currently in my savings account right now XXXX {$1200.00} XXXX and let me earn their trust. I have always loved Amex and everyone in my family is a member of Amex, so I would like to finally have the opportunity to do so myself. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-02 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
AMEX phoned me and invited me to apply for a gold AMEX card. Said I was prequalified. So I applied over the phone, was denied. I appealed the denial - AMEX says I was denied because my old AMEX card was cancelled in 2003. That was thirteen years ago during the financial crisis I could n't pay my bills. I have over XXXX credit now, always pay my bills, high credit lines on all my existing credit cards. Why wo n't AMEX forgive and forget? It seems like it is a violation of the Fair Credit Billing Act to hold something over seven years old against me. That old AMEX debt was never pursued and was forgiven by AMEX, it is legally extinguished.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: ENCORE CAPITAL GROUP INC.
State: OK

Complaint narrative:
XX/XX/XXXX called Midland Credit Management to set up payment arrangements of {$50.00} a month for 3 months starting XX/XX/XXXX. XX/XX/XXXX I made {$50.00} payment and today XXXX/XXXX/XXXX got a letter saying that agreement was voided. 

Called MCM and they could n't offer any explanation as to why it was voided. All they would say is that they received payment in XX/XX/XXXX. When I set up this arrangement it was because they told me that if I did not make arrangements to pay than this pre legal account would go to their legal department. 

It seems like they voided the agreement that both me and midland credit management agreed to in the hope that I would n't find the letter and be taken to court! 

I set up another arrangement but fear that this too will be voided like last time and i notice it too late

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-09 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I was never served for a lawsuit from this law firm. This judgment is a complete illegal attempt to collect a debt and my right to defend it were avoided.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I signed up for an SPG credit card through AMEX with a welcome bonus of XXXX SPG points after XXXX spend in 3 months. The first time I applied it gave an error on the page, but the application still went through. So I applied again. One card was sent to my old address and the second was sent to my current address. I spoke with customer service and they advised me to cancel the card sent to the wrong address. After I spent XXXX dollars I never received my bonus, when speaking with customer service they informed me that it is a once in a lifetime bonus and since it was my XXXX card I was not eligible. I explained what happened and they said that they would forward a letter to another department and almost certainly due to the situation I would receive my bonus points after 6-8 weeks. After 8 weeks I contacted them again and they told me that they decided not to give me the bonus points, but they could forward another letter and I would have a decision in up to 8 weeks! I feel like they are just giving me the run around, when clearly I never received the 1st card and it was sent to the wrong address. Also the first customer service rep advised me to cancel that card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-05 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Southern Credit Adjusters, Inc.
State: CO

Complaint narrative:
I have paid the debt in full on XXXX/XXXX/2015. It is still showing as owed on XXXX even though I have disputed it with XXXX and XXXX. XXXX no longer shows it as being owed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I paid off my vehicle XX/XX/2014, to Santander Consumer USA account number # XXXX the account is reported negatively on XXXX as a write-off. When I paid for this vehicle in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Flagstar Bank, National Association
State: AZ

Complaint narrative:
My rental home on XXXX XXXX has been financed with NYCB Mortgage for the past 3.5 years. My credit is excellent, approaches XXXX, and I have never missed a payment. I am trying to refinance this same exact home with NYCB that has been financed with NYCB for the past 3.5 years, to get a lower interest rate, from 4.375 to 4.0. Absolutely nothing has changed in the home since NYCB readily and easily financed this home 3.5 years ago, without any questions or reservations whatsoever. 
Currently, they refuse to refinance the same exact home, as they say this is a multiple dwelling home. I rent the home to XXXX person. She apparently has a XXXX of roommates. I do not have any problem with her having roommates, as I have nothing to do with them. I only have a rental agreement with my tenant, and receive rent from said tenant, that has lived there for 2 years. If she has a couple of roommates that help her pay the rent, that is usual and customary, and quite the norm in XXXX, where rent are high. 
According to the XXXX city code, to be considered an accessory dwelling, another stove must be present. There is XXXX, and only XXXX stove at XXXX XXXX XXXX. In the absence of said stove, the XXXX areas of the home in question can be considered wet bars, recreational rooms, bedrooms, etc. However, they are not accessory units. According to the city code, an accessory unit is defined as follows : What is an ADU? 
An ADU is a complete independent residential living space that can be created within, attached to or detached from a single-family home. An ADU include provisions for living, sleeping, eating, cooking and sanitation. An ADU can provide supplementary housing that can be integrated into existing single-family neighborhoods to provide a typically lower priced housing alternative. 
XXXX XXXX of these XXXX areas of the home that NYCB is calling " accessory units '' have cooking facilities. 
NYCB did the exact same thing almost 2 years ago to the date with the home that I live in.. After months of wrangling, heartache, and many pounds of flesh, it was kicked to XXXX XXXX , the XXXX vice president of underwriting, who realized immediately NYCBs absurd argument, and funding happened shortly afterward. Perhaps NYCB also realized I would not give up. I do n't know exactly, but do know interests rates have gone up since I locked in at my present rate of 4.0. Perhaps this has something to do with it. 
Please finance the loan, and let 's not repeat the fiasco of 2 years ago. I am a great customer and have never, ever missed a payment, although I am getting weary of NYCB 's way of doing business.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: Loan Science, LLC
State: FL

Complaint narrative:
This company has been calling my phone non stop asking for someone I do not know and refuses to identify themeselves and the name of the company they are calling from.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
On XXXX XXXX I was contacted by Santander, at my place of work, where I have never given out the number, I was told I was on a recorded line and verified my information. I informed the gentleman that this was my work number and not a good contact number and to remove it. He said he would as soon as he told me what it was about. I let him go on, but was interrupted by my work. I told him it was not a good time, and that he needed to remove the number. On XXXX XXXX I was called at the same number by Santander I informed her this was not a good contact number and that I had previously told them they can not call me at that number.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Grant & Weber
State: CA

Complaint narrative:
My minor daughter XXXX was seen by the doctor. The doctors office took our insurance information and at the time we had XXXX. Despite having XXXX, we still received a bill. The bill has now gone to collections and is on my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-25 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I have a car loan with Santander Consumer USA in XXXX, TX. On XXXX XXXX, 2015 I attempted to buy a new vehicle at XXXX XXXX. XXXX Santander refused to give a pay off amount to XXXX XXXX saying my loan was in bankruptcy. That was incorrect. I had a previous bankruptcy that was discharged, and the vehicle in question was never included in the bankruptcy, yet they said it was and refused to give the pay off. I called them and they argued with me when I tried to clear the matter up. They finally gave a verbal pay off. XXXX XXXX said due to previous problems with Santander on verbal pay offs-they wanted it in writing. ( They said when they have had cars in bankruptcy ; they 've accepted a verbal XXXX day pay off, then sent them the money in time-yet Santander refused to send the title to XXXX XXXX saying more money was owed due to the bankruptcy. ) XXXX XXXX called requesting a written pay off and so did I several times and Santander refused. I even requested as the customer to fax it to me and they refused. I would call back and ask to speak to a supervisor and either be told none were available, or was transferred to voice mail ( Supervisor XXXX XXXX ) and I left messages to never receive a call back. I was hung up on XXXX-XXXX for explaining that the line I was speaking to them on was recorded ( I am a XXXX XXXX and all our lines are recorded ) when she heard that she told me " we can not be recorded, so now that you 've told me that, I 'm hanging up '' and did just that. Another hang up came when I told the representative I was filing a complaint with your agency in the event I was not allowed to purchase the car due to their failure to send a pay off ; she told me " now that you 've told me you 're filing a complaint-I am blocking you from accessing any information on your account, and I 'm hanging up on you '' and she did so. They NEVER did send a written pay off. Fortunately for me, XXXX XXXX accepted my old bankruptcy papers showing proof my trade in car was never in the bankruptcy, and they accepted the verbal pay off and let me purchase the new vehicle. Santander demonstrated HORRIBLE customer service to someone that had a car loan with them for XXXX years and they would always tell me I " was a valued customer ''.

Company response to consumer: Closed with explanation