vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-16 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
In XXXX/XXXX/XXXX I prepaid XXXX {$380.00} using my AMEX card. After I returned the car, XXXX charged my AMEX {$500.00}. I disputed the {$500.00} with AMEX and they reversed the charge, investigated and resolved the issue. Unknown to me, AMEX then disputed the {$380.00} but this amount was never credited back to my account. In XXXX XXXX, I received a letter and email from XXXX internal collections asking for the {$380.00}. I had multiple calls to AMEX about this issue and each time I was told I did not owe XXXX and they had been paid. XXXX collections presented me with a document stating they had not received the funds which I forwarded to AMEX. I heard nothing more and assumed it was resolved. On XXXX/XXXX/XXXX I received notification in the mail that my account had been sent to and outside collection agency for the {$380.00}. I called, explained the situation and was told that if AMEX provided written documentation that XXXX had been paid, they would stop the collection proceeding. I called AMEX and was told repeatedly that XXXX had been paid but everyone from initial phone rep, to supervisor, to supervisor of supervisor, refused to send me anything to confirm what they were telling me. They opened another dispute - even through I do n't dispute the charge and promised to expedite and call me back on a certain day and they did not keep the promise. I ca n't get anyone on the phone to help me - only promises and told I have to wait for the " investigation '' even through they investigated this same amount back in XXXX. I paid AMEX for the {$380.00} charge by XXXX but either AMEX did not pay XXXX or XXXX ca n't find the payment and I am being held responsible. No one at AMEX seems to be able to contact any one at XXXX. I have stellar credit history and do n't want anything to change this since it is not my fault. I need someone to intervene in this circle of corporate indifference and horrible customer service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: WA

Complaint narrative:
Loan denied for modification without defining exactly why it was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a tax lien on my credit file that was withdrawn from the State of Michigan and is properly filed on XXXX by the XXXX County Register of Deeds. I have sent copies to the credit bureau and they continue to verify the lien as reported properly. When I call and tell them it is wrong, they continue to say it is correct. The XXXX County Register of Deeds has recommended I reach out to you as this is an ongoing problem and they have no idea why Experian will not remove this. Also, I purchased a new vehicle in XX/XX/XXXX. I authorized an inquiry from XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX. Some how my credit application went to several banks and credit unions instead of just those XXXX. When I told the credit bureau of this, their response was " inquires are a matter of record and remain for 2 years and they are unable to be disputed. If I want them removed, notify each bank and credit bureau and have them send removal request ''. Experian is affecting my interest rates and potential to obtain credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-18 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: LTD Financial Services, L.P.
State: KS

Complaint narrative:
I was contacted by XXXX XXXX from LTD Financial Services regarding a debt with XXXX XXXX Credit Card in the amount of {$440.00} and that they had contacted me in XXXX. When I requested the name of the young woman calling she informed me that she was not my representative but gave me her name which I immediately asked her to spell for me. As I asked her to repeat each detail, she was not happy. When I had all the information she had given me, I repeated that she said they had contacted me in XXXX and she hung up on me. I remember the call from XXXX and I refused to give her any bank or debit card information. I agreed that I could make a payment of {$10.00} - {$20.00} a month as I had become ill and had medical/medication payments which were my priority. She refused to accept payments of this amount and in the form of a check from my bank each month and told me they would contact me again after the first of the year to see if my situation had changed. It has not.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-01 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: CT

Complaint narrative:
Sent verification of debt letter, within 30 days of receipt of original letters from Midland ( Credit ) Management ( ADBA Midland Funding ). Did not receive any type of verification or validation of the debt. In addition, after sending the request for verification and cease and desist, I have again been contacted via mail and by phone. 
I am requesting that all accounts with Midland Credit be removed from all three major credit bureaus account due to noncompliance of the Section 809 of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-16 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: IA

Complaint narrative:
On XXXX 2017, Midland Funding LLC through their attorneys XXXX served small claims papers at my home regarding a 14 year old credit one credit card debt. The papers were not in an envelope and were given to a neighbor who was watching my new puppy as I was at a work function. The server was notified I was not home and he was not my spouse.The server than informed him that they just were legal papers to sue me in court for not paying my bills!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Amex continues to decline my request to remove the account which I am no longer an authorized user in the XXXX report. 

I was added as an authorized user originally but the account owner closed the account, so it should not be reported on my credit report any more as I am not financially responsible. I was able to remove these accounts by submitting a dispute to XXXX and XXXX ; however, it did not work for XXXX and XXXX advised me to contact Amex. 

Amex Credit Bureau XXXX kept referring to 'legal reason ' or 'Fair Credit Reporting Act ' as a reason not to remove ; however, I am not aware of any issue like this and I had no issue removing my other accounts where I was added as an authorized user from XXXX and XXXX. Amex even told me to write a letter to their legal counsel if I want to get an exact legal answer and I do not feel this is an appropriate way to handle this simple request. 

Please help me remove this account from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I am CEO of my own company, XXXX XXXX, a small consultation firm. The defendant, Midland Credit Management Inc., stole my identity and committed acts of grand larceny. According to my credit report, Midland Credit Management Incorporated tried to extort {$550.00}. They have repeatedly harassed and menaced my place of business in order to extort money from my business and commit new acts of grand larceny.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-28 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
American Express refuses to update my balance. The balance being reflected on my credit report is 3 months old. I am applying for a mortgage and this is holding my application up. My current balance is {$230.00}. The balance is being shown as over {$700.00}. 

The credit reporting agency was quick to report when I used more credit but all XXXX credit agencies are reporting balances that are 3 months old. I need help. Thank you.

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

Complaint narrative:
our XXXX cards were cancelled. The account was turned over to XXXX international to set up a payment plan. We were told by XXXX that if our payments with XXXX were paid on time that our payments would not be counted as misses or late. our credit report indicates that we have 18 missed payments. We have made ALL of our payments with XXXX in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-05 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
Collecting interest accumulated. ..not really money owed on bal

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-07 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AL

Complaint narrative:
I applied to refinance my mortgage with XXXX to get a lower fixed rate. XXXX repeatedly tried to get a recent payment history from Household Finance Corp of Alabama ( HSBC ). This is required by XXXX in order to get a loan approval and HSBC does not report to the credit bureau. This process has been going on since XXXX 2015 with no resolution. HSBC refuses to fax the information and says mailing it will take up to 30 days. It has been well over 60 days without receiving the requested information. XXXX and I have called the company over a dozen times. I believe that HSBC is trying to prevent me from refinancing so that I will be bound to continue paying their predatory rates and fees. 
Also, it took a month to get pay off information. That information will be expiring soon and I do not want to wait another 30 days to get that as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Hi, I am an American Express credit card customer. In XXXX and XXXX 2016, I opened XXXX accounts with welcome offers of XXXX and XXXX membership rewards, and the minimum spends are {$1000.00} and {$2000.00}, respectively. After I spent the required amount to meet the requirement, American Express granted me the points of XXXX ( XXXX ), but soon they deducted the points from my account. Therefore, I contacted American Express to find out why. Every time the representative told me a different reason, but all these reason are not correct. For example, one representative told me some transactions were returned but he could n't locate which transaction was returned, because there was no such returning transaction posted to my account. Meanwhile, after contacting them, I did make another {$1000.00} and {$2000.00} spends to meet the required amount again, and then contacted American Express again in XXXX. This representative promised me that I should see the total of XXXX reward points posted to my account within 6-8 week. However, I have n't seen the points for more than 10 weeks. I think American Express is cheating on me and refuses to give me the points. Their representatives are poor-trained and always lying to customers. I think Consumer Financial Protection Bureau may be able to assist me to get a response from American Express and solve this problem. 

Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-20 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kramer & Frank, P.C.
State: MO

Complaint narrative:
Debt collector sent false documents and once this was revealed had the whole XXXX XXXX COUNTY GOV BUILDING committing violations of fraud to from judges making false claims to the recorder office tampering with evidence. The case is explained step by step in attachment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: NM

Complaint narrative:
XXXX XXXX XXXX of XXXX XXXX billed for a medical procedure on my daughter. The billing statement is XXXX/XXXX/2015. I wrote aa check to pay the bill on XXXX/XXXX/2015. The Doctor 's office did not process the check ( through my bank ) until XXXX/XXXX/2015. On XXXX/XXXX/2015 I was contact via mail by Transworld Systems stating that they were attempting to collect a debt for the doctors office. On XXXX/XXXX/2015 I contacted the doctors office ( XXXX of XXXX XXXX ) they stated our account was out of debt collection and they mailed a statement which shows the debt was paid. I mailed all records to Transworld Systems on XXXX/XXXX/2015 showing the debt was paid. 

We received another letter dated XXXX/XXXX/2015 from Transworld Systems on another attempt to collect the debt that was not owed and has already been paid off. Transworld Systems says our account is not in collections, but they have sent letters still wanting us to pay them. They have also made attempts to get our phone number, I can only assume this would be used for further harrassement. 

I certainly do not recommend XXXX XXXX or XXXX XXXX with several locations in Texas as they held our payment, it seems intentionally, to put us into a debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-11 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I 'm highly disappointed with American Express. I 've been a XXXX XXXX Rewards card holder for over 4 years. I have excellent credit and have never missed a payment. My wife recently ( joint card holder ) sent me a payment via XXXX and she thought that she was using a new debit card. Instead XXXX used the Amex that was originally linked to the account. We tried to cancel the payment after we discovered the error but were n't allowed to cancel. Was n't a big deal in our opinion but days later American Express cancelled my account. When I called in to see what the problem was, I was told that Amex does n't allow you to send payments to yourself and that my account could not be reinstated. That is extremely harsh considering it was a simple mistake that we immediately tried to remedy. I 've never had any previous issues with Amex or it 's customer service up until this point. Over 4 years of excellent credit history whipped away due to a simple mistake. I was told that I could reapply in the future, but with this level of treatment I 'm sure I 'll never do business with American Express again. I 'll definitely advise anyone I know to steer clear of Amex products.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-30 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I signed up for a public offer for an American Express Platinum card on XXXX/XXXX/2016. The terms of that agreement I signed up for stated that if I spent {$3000.00} within 3 months, I would be awarded XXXX Membership Reward Points. I satisfied the terms of this agreement and was awarded the XXXX points as of XXXX/XXXX/2016. 

However, as of XXXX/XXXX/2016 I am unable to freely transfer these available points to a frequent flyer program in order to book an upcoming flight. AMEX has deliberately frozen my account and is in violation of the agreement that allows me to redeem my available points at will, so long as my account is in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-11 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MA

Complaint narrative:
I had deposited a check for XXXX and Hsbc had taken and kept My deposited money refusing to give it back

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
Because XXXX erroneously charged me XX/XX/XXXX for a XXXX membership that I did not want and have never asked for, AMEX has not understood nor acted properly when I have assured you that your credit to my account simultaneously with XXXX 's credit has continued to show as a DEBIT over and over each month for {$99.00}. ( If you will review the attached statements and letter from XXXX ) AMEX has determined this to somehow be a debit that I now owe. Just remove your credit and this should leave a XXXX balance. However, over the past year - late fees and interest have continually been charged which is illegal on a disputed amount. 
On my XX/XX/XXXX statement - payments are shown for the balance with new charges of {$190.00}. There is no explanation of what this {$190.00} represents. Do you know? I can not follow your continual month to month charge of {$99.00} to my statement even after you agree to my dispute. 
As you can see from the attachments herein, nothing has been purchased and every transaction shown is your company trying to force me to pay you for NOTHING of value received by me!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-22 00:00:00
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I called American Express to inquire on how I could get a gift card to give to my son to use on his XXXX trip. He was leaving the next afternoon. I was told to go to any number of retailers and purchase a " serve '' card. I went to the bank and got {$300.00} cash and purchased the card for XXXX. plus a service fee. Later that evening I was told by American Express that the card could not be used internationally until I got my permanent card in seven to ten days. I would not have spent money and gone to the time and trouble to get the card if I had been told the right information at first. 
Then I was told to register the temporary card and I could set up a pin and get my money form a aM machine. That also did not work. Today, 7 days later I received my permanent card. I called in to activate it. Next I was asked how I was going to put money on it. I inquired about the XXXX XXXX that I had already given them. I was told that I must not have entered the temporary card information and that my XXXX was still floating around in American Express 's pocket and I had no way to get to it STILL. I asked for a supervisor and got a condesending person named XXXX in the XXXX. He would not listen to anything I was saying and told me it was all my fault. Now he had me re-register the temporary card in MY WIFE '' S name and set up another pin. I told him I had done all thisin my own name when I first ordered the permanent card. He told me I did not. All he did was argue with me and talk over me. I then asked for his supervisor and he refused to let me speak to one. His name was XXXX and that was all he would tell me. If finally told him what I thought of his condescending attitude. Results are in. I have wasted a lot of time and tied up XXXX XXXX dollars, my son left on his trip without the money I had promised him, I am out the fee for the card and whatever the atm charge might be even if I am lucky enough that this scheme of putting it in my wifes name works to retrieve what is left on my {$300.00}. All the while American Express had had my money, charged me a fee for a worthless card that was sold to me on false pretenses. I have an XXXX, own XXXX and am very astute with computers. If this is what happened to me, imagine what would happen to a less experienced consumer. I highly suggest that you look into this American Express " Serve card Scheme. I await your response

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I have an issue with my card membership through XXXX and American Express, and the partnership that is being severed between the XXXX. I got the card due to the benefits through XXXX and rarely use it elsewhere. I have other credit cards that I use for day-to-day expenses. I feel compelled to keep the AmEx, though, because it 's the card I 've had the longest, so I do n't want my credit to be negatively affected by cancelling it. Essentially, I will be forced to pay the AmEx membership, even though I wo n't use it due to lack of benefits just so I can maintain my credit rating. These types of " partnerships '' between retailers -- a " wholesaler '' in this case -- and credit card companies seem to force people into situations that are n't fair. Maybe I 'm just venting but I think AmEx should allow card holders to keep the card without paying an annual fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: PR

Complaint narrative:
This was a car loan which I totally paid off and as proof I received the Title to the car which is never issued unless a loan is completely paid off. A couple of years after, I had an accident in this same car and it was totaled ; my insurance issued a check for the cost of the car. The insurance company would NEVER issue a check and take in the car if I had n't the title. Hence, the loan was paid off leaving no debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I was an American Express Serve customer and had fraud on my account. instead of returning my money SSI check they, close my account.

Company response to consumer: Closed with monetary relief