vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-08 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I bought an online subscription to XXXX for approximately {$120.00} dollars. I had signed up with my personal email account which I had a non-subscription account with the same website for previously. In XXXX 's system my subscription was then associated with the former/old username not my new username/account. 

When I contacted XXXX Customer Support they were to contact me back in 48 hours and did not. I then called their Customer Service and was told I would not be issued a refund and that this problem was " impossible. '' I then indicated that I would dispute the transaction with my credit card company, American Express. 

I opened the credit dispute with American Express eventually providing them with the Customer Support attempts at contact I had with XXXX and a Screen shot of my account from XXXX. This screen shot showed that I could not check my messages as my paid subscription was not recognized and for which American Express had record of withdrawal from my account for the transaction. I then called several separate divisions of American Express Customer Service and told them that was all the information that I had and that they could either be diligent & vigilant in attending to this matter and getting me my money that I was defrauded back or not. I was also told that I could not further escalate my concerns when multiple managers in their Customer Service divisions lied and told me they could not put me in contact with the corporate office. I then found their corporate office number online and called the following day. 

I received a call back and explained the issue and again stipulated that American Express should follow through on my legitimate transaction dispute and resolve the matter in a timely fashion. I received a call back a few days subsequent to that call from another person in their corporate office. I missed this call due to work and when I called back I left a voicemail explaining my reason for calling and requesting callback. Yesterday marked a full calendar week and several business days between their last call back and my last request for a call back. I left a voicemail largely stipulating the same information as my XXXX voicemail and this has not been returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
I was attending XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. I read about the school closing so I withdrew on XXXX/XXXX/2014. My Federal Loans are qualified to be discharges since I withdrew after XXXX XXXX, 2014 but I still have {$9200.00} in private loans to pay off. My private loans were from XXXX XXXX but they transferred my loans over to University Accounting Service , LLC . I would like to know if there 's anything possible I can do to relief my loans or some of my loans. I was able to transfer some credits out but not all. I was not able to continue my XXXX program so I am currently in a different program. If someone can please help with this situation, I would be very grateful since I could not get any information on private loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Repeatedly told them debt is n't mine

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My wife and I had an American Express Credit Card as members of XXXX. XXXX ended their relationship with American Express on XXXX XXXX, 2016. We were issued a substitute membership card from XXXX as of XXXX XXXX, 2016. 

Our last Statement from American Express enclosed a draft for {$78.00} ( and change ) as our rebate rewards for our purchases with the Amex XXXX card. We lost that draft. 

We went to our local XXXX store and asked them to re-issue our rewards draft. XXXX told us that they could not -- only American Express can re-issue the draft. 

I telephoned American Express at their customer service telephone number on their Amex card. I got a recording stating that the credit card was closed. Repeated telephone calls all failed. HOW DO WE GET OUR REBATE?

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 explanation
Consumer complaint received 2015-10-20 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
The original creditor sold the debt to more than one collection agency. I was making payment but I stopped making the payment as soon as these agencies started to contacting me about the same account. One of the collection agency took me to court and I showed the judge all the document to prove my statement. The judge grand me the case and dismissed without prejudice. Therefore, another collection agency has been calling me on my job harassing me and threatening to collect the money from my employment. I tried to explained them that they ca n't do that without a court notice since I was already in court on XXXX 2012 and won the case. But the man was very rude and refused to listen to what I had to say. Please assist me with this matter as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA
State: CA

Complaint narrative:
Fedloan Servicing has not been crediting me for the payments I 've made since XX/XX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XXXX XXXX 2016, I was on a business trip in Illinois. I called XXXX XXXX, my flight carrier, to change my return trip to XXXX. I was originally scheduled to fly back the next day, but I wanted to fly back that same day instead, if there 's any flight available. The XXXX XXXX customer service rep initially said that there is a flight available on that same afternoon and she could change my reservation but a change fee of {$220.00} would be incurred. I said sure go ahead make the change. After she made the change and my Amex credit card was charged with the change fee, she came back and said that she made a mistake and the flight that she found was from XXXX to Illinois, not Illinois to XXXX. I told her to undo the change to my reservation and she did. My flight reservation was back to the following day as it was originally scheduled. However, she said that she 's unable to reverse the credit card charge and she will instead send me a travel certificate good for one year. That 's unacceptable to me since I have no plans to fly XXXX within the next year nor can the travel voucher be used for a non-XXXX flight. Since this is completely not my fault, I feel that anything less than a full refund to my credit card is unfair, which is why I immediately disputed this charge via my credit card provider, American Express. On XXXX XXXX 2016, American Express closed the dispute without sending me an explanation. Upon my calling their customer service center, I was informed that they do not have the ability to compel the merchant to reverse this erroneous charge and that since the merchant has refused to do so, I am liable for the charge. I feel that I am left with no choice but to appeal to the CFPB for help in this matter. Thank you for your attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
On XX/XX/XXXX, Midland Funding LLC filed a collections complaint against me. In XX/XX/XXXX, the case was closed without being heard, and I assumed nothing more would come of it. Late XXXX, I received a letter from their local representative, XXXX XXXX XXXX, XXXX, dated XX/XX/XXXX. It contained a verification of debt I had not requested, as well as a request to contact the firm to discuss the matter. I did not, and XXXX of the attorneys contacted me. I pointed out that " you ca n't squeeze blood from a turnip '' -- I am on Supplemental Security Income -- and I heard nothing more. Today, my phone listed a California number among the missed calls ; a quick lookup places it in the right area for Midland Credit Management, which Midland Funding , LLC is a subsidiary of. This is not the first time they have contacted me using untraceable burn phones, and, at this point, I would be more than happy to set up a way to record future calls to provide evidence that it is Midland. While it is n't harassment, per se, closing a case and then starting in on me out of the blue, and doing so in a way that theoretically can not be traced, does not encapsulate any sort of ethical collections practice. ( As an aside, I strongly suggest that a separate and thorough investigation be opened against Midland Credit Management and all its subsidiaries ; does a company that directs its employees to use burn phones seem like a company operating on the level? )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-27 00:00:00
Product: Prepaid card — ID prepaid card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XXXX XXXX, my Bluebird American Express account was subjected to XXXX unauthorized transactions totaling {$1200.00}. The charges took place at XXXX XXXX XXXX, North Carolina -- a state I have NEVER been to. I live and was in XXXX XXXX at this time. The physical card was in my possession and I have never supplied my card number to another person. Therefore I believe I was the victim of card skimming. 

I noticed the charges that afternoon ( XXXX XXXX ) and immediately notified Account Protection Services. My existing card was cancelled and a replacement was issued to me. I called back on XXXX XXXX once the XXXX charges had cleared in order to file and begin the dispute process. I followed proper protocol as outlined by American Express and supplied all information that was requested for the investigation. On XXXX XXXX, I received an email notification that my dispute had been declined along with another email that my account had been permanently closed ( blocking my access to over {$1500.00} in funds ). I filed a police report the same day, faxed a copy to Account Protection Services, and called to request that the dispute be re-opened. I was told the investigation was complete, case was closed, could not and would not be re-opened. A supervisor, XXXX, suggested that I contact XXXX directly to dispute the transactions and request reimbursement. On a subsequent call XXXX XXXX, I spoke with XXXX again and demanded details of the investigation, which I 'm entitled to as a cardholder. I was told affirmatively that no information would or could be provided to me and the decision was final, and the call was terminated by XXXX. On my last call to American Express XXXX XXXX, a customer service rep said that I could a letter in writing to their XXXX to request details of the investigation and request my dispute be re-opened. I sent this letter via certified mail on XXXX XXXX, along with a copy of my police report, declaration of fraud form, call records and photo evidence of my location in XXXX XXXX on XXXX XXXX. As of XXXX XXXX, no response has been received. This is a blatant disregard of my rights as a cardholder, as outlined in Regulation E of the Electronic Fund Transfer Act.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-06 00:00:00
Product: Prepaid card — General purpose card
Issue: Fees — 
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I had opened up a prepaid Serve Amex to use for emergencies. I put {$200.00} dollars on when I opened and was just about to add more money when I saw that they had been charging me an almost {$6.00} fee every month. This was not disclosed when I opened the account. I am going to complain to them about itto them, but am pretty sure that they will not refund the fees. I was under the impression that this was like an Amex Gift Card that is not allowed to charge monthly fees. 

So, basically I opened this account so if I was in need in the future I would have at least {$200.00} for an emergency. 

Now after 4 months of fees, my balance is {$170.00}. 

By the time I needed it, I would have nothing. 

This is predatory. It was advertised to help someone build credit, but really they just want fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-29 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
American express shut my card down because they said i had a return payment when i did n't, when in fact they talked to my bank and cleared it up, approved a transaction then stopped it.kept calling my back to see if funds would clear and got a yes each time

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I had a credit card with American Express I am going to return and give up because they billed me for a XXXX Bill of {$140.00} and have refused to take it off my credit card and I will not pay for it as I never used the ticket. I called them and XXXX refused to give me credit towards another trip. According to the law one can not be charged on a credit card for something they did not purchase. I received no trip on the XXXX trip and will not pay for it to American Express. My card number is XXXX and I would like American Express to take my card back for fraudulent billing for a purchase I did not use the XXXX Bus Ticket.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-13 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have been an AMEX Bluebird cardholder since XXXX XXXX. On XXXX XXXX, XXXX, I disputed what I suspected was a fraudulent charge for {$240.00} on my Bluebird AMEX. AMEX issued a provisional credit to my account while it investigated the charge and notified me by email. On XXXX XXXX, XXXX, Bluebird AMEX informed me by email that the provisional credit was final and the fraud dispute was resolved. On XXXX XXXX, XXXX, my account was reviewed and closed by Bluebird because Bluebird determined that the {$240.00} disputed charge was valid -- some 3 weeks after it had sustained the disputed charge.

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

Complaint narrative:
I was in a debt repayment program with a set amount that I paid each month to the credit card company. The final payment was an over payment. When I saw that I had a two dollar credit, I wrote and asked that I receive a refund check for this amount. I sent XXXX letters, as I thought that the first did not reach them. About three weeks later I did receive a check. 
I went to my bank and cashed the {$2.00} check, so you can imagine my surprise when I received a copy of the check from my bank with a stop payment order. I was also accessed a {$12.00} fee for the stop payment on my account. 
I have attempted to contact American Express. I even went on XXXX to try and get this resolved. I just keep having to try and explain it over and over .... 
If the money owed had been on my side, they would not have hesitated to demand that I pay up immediately. 
When I tried to call them, I was switched to a different extension, and after about XXXX XXXX minutes the line went dead. I 'm tired of going through this and re explaining everything to American Express. I 'm tired of having to go back in the long line to get someone to talk to. 

I want a refund of the original credit along with reimbursement of the fee that my account was charged. I do n't think a {$2.00} check will break the bank for AmEx, but I am aggravated that not only do I not get money owed me, but have been accesses an additional fee as well - for their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
sorry i forgot also in our complaint they said they talked to XXXX county about our taxes we live in XXXX county prof they have us mixed up

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19 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: AL

Complaint narrative:
A XXXX Telemarketer claiming to be from Midland Credit with Calller ID of XXXX XXXX XXXX keeps calling claiming we have dept with a sears credit card. They then ask to give them my social security number, when we refuse, they then as to us to confirm if a social security number is mine, and confirm our address. This company is a fraud and you should shut them down!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC
State: IN

Complaint narrative:
I am receiving a collection notice from XXXX for XXXX XXXX in the amount of {$30.00} for medication that was sent in the mail. As I have explained to XXXX since XXXX 2014, I have never been prescribed this medication, have never seen this doctor prescribing it, nor have I ever been diagnosed with this condition used for the medication. They continue to try and collect this debt from me, ruining my credit illegally. They have no documentation to show me regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-05 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: MD

Complaint narrative:
In XXXX 2015, I disputed an auto loan with First Investors Financial ( CFPB dispute XXXX ). On XXXX XXXX, I received an alert that this account has been updated with a XXXX day late on my credit reports. Since XXXX 2015, this account was reporting paid as agreed, no lates.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
They claim they sent notification of legal action, they claim they served me and obtain rightful judgment against me. I asked them to provide proof of how they served me as I travel and no one in my home at time they claim they served me going to court for judgment. They state they placed notice on my door. I have asked them to provide me a copy of the signed contract to verify my debt and owed. They have not provided me any signed contract simply stated payments were being made for a period of time so it has to be my loan. I explained I was victim of identity theft yrs ago and I did have loans with beneficial yrs ago but paid each loan off as I did my other creditors. I was not aware of this judgment or collection debt until I went to refinance my mortgage for lower rate and savings of XXXX with refinance. They advised me of it I called the XXXX XXXX XXXX funding theu said debt now handled by law group XXXX XXXX XXXX at XXXX. XXXX XXXX XXXX Texas XXXX. I explained I was not aware of debt let alone how a judgment could be awarded against me if I wad not advised or served to appear in court. I asked them 3x for copy of contract with my signature. I explained I had loans with them but paid out. They only send me a copy of the judgment filed against me that has has kept me from refinance. I offer to settle if they had contract with my name and could produce it just to move forward with refinance. I am asking they provide me proof this debt is rightfully owed by me producing the signed contract or they remove the judgment and reference of any such deby from my credit file and they pay me for damages if wrongful reporting a debt and judgement on my credit filr. They cost met me my refnance saving over XXXX on my finance of my house. I pay my debts and have a great credit history with my creditors. My credit score is XXXX plus being impacted by this alleged debt they wo n't prove is mine with signed contract. The collection agency XXXX XXXX XXXX is not a reputable collection agency. They have harmed several consumers with their collection tactics. I will seek legal action against them for action taken against me after I get this matter resolved. I want a signed copy of contract to confirm I owe debt or seek to be paid for damages and FDC practice violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-02 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I attended XXXX XXXX in XXXX California and was told I had to take out a XXXX XXXX loan to pay for my schooling. When my school closed I received a loan forgiveness for my federal loans but had to continue paying for my genesis loan. They have transferred my account to University Accounting Service LLC and I would like to have these loans forgiven due to my schools closure.

Company response to consumer: Closed with explanation