vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-20 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: CA

Complaint narrative:
XXXX failed to deliver a package I had shipped with them. When I tried to get an explanation, they concluded that I had abandoned the shipment and they closed the case without notifying me. So, I disputed the shipping charges on my credit card. 
A few months later, I received a bill from XXXX for the shipping amount. I opened a case with XXXX to dispute the bill and ask for a refund on the value of my package. They did not respond at all and set a debt collector ( Transworld Systems ) on me. 
When I called XXXX about this, they tried to confuse the issue and eventually just hung up on me. 

So now I have no recourse to fair treatment and the corporation is using its power to harass me into paying for a service they failed to render.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I got a Mastercard with Barclay Bank, which offers mileage with XXXX XXXX. I misunderstood and believe I was misinformed about the credit card protecting against expiration of miles accumulated. Additionally, for one month I never received a bill and so ultimately paid the bill late. I excluded the penalty fee from my payment. I have tried to cancel the credit card and was told that I could not do this because the bill is not paid. For the past two months I have been charged a penalty because I have not paid anything towards the original penalty and so now as a result of penalties for prior unpaid penalties, the bill is now {$100.00}. I want to cancel this credit card and believe I should not be held responsible for the penalty. I am shocked that Barclay will not allow me to cancel the card and at least put a hold on further charges. My credit card account number is XXXX. 
Thanks very much for your help with this complaint.

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 monetary relief
Consumer complaint received 2016-04-12 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: AMERICAN EXPRESS COMPANY
State: KS

Complaint narrative:
I went to an ATM to get {$300.00} out using my Bluebird ( American Express ) card and I could hear it starting to count money then it stopped and said my transaction could not be completed. My lady friend used to work at that bank and I told her about it and she in turn called the branch where the ATM was located. She was told they would check their end, but I also needed to contact my financial institution. I did and reported it on their form this was XXXX XXXX 2016 is the date transaction occurred. On XXXX Bluebird reported to me that their investigation was complete and they were not refunding my money because they could n't prove that it did n't give it to me. I showed lady friend the email and she called the Vice President and as she was told no one had contacted the bank about this transaction. I called Bluebird and the XXXX told me the investigation was over and there was nothing I could do. I then spoke to a Supervisor and she told me what form I needed to fill out next to dispute this. I was not real nice, especially to the first lady, but this is ridiculous because I intitially even told them that the bank shows that the cash was not dispensed. So this is where I am waiting to get a response from my second request.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-02 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
On XXXX XXXX, 2016, I purchased airline tickets from XXXX XXXX on my American Express card for travel on XXXX XXXX, 2016. The amount of the purchase was {$220.00}. I arrived at the airline counter in more than enough time to check my bags and board the plane. The counter agent refused to take my bags and would subsequently prevented us from boarding the plane. I submitted a dispute to American Express regarding the charge. They have refused to charge back the amount paid for this airfare.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
ASSET ACCEPTANCE , LLC & MCM FINALLY SETTLED COMPLIANT, BUT FAILED TO ADD MONETARY GAIN. I HAVE ADDED XXXX XXXX TO COMPLIANT ALONG WITH TCPA! SEE ATTACHED ) PHONE RECORDS ... .THET ARE VIOLATORS OF SEVERAL NEW CHARGES, PLEAE REVIEW!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-22 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
This is a paid debt that we are trying to get the collection agency to send the documentation to the court. 

My wife has been transferred XXXX miles from our home. We are trying to purchase a house. We are unable to do that because the bank needs the court documentation that the judgment is satisfied. Our debt was paid in full on XXXX/XXXX/XXXX yet, their records claim XXXX/XXXX/XXXX. I have contacted the office as to the procedure followed in providing the court with the information that the debt has been paid. There is no procedure, which is surprising as your website indicates : " XXXX XXXX XXXX XXXX, XXXX. began XX/XX/XXXX. Since that time, the firm has become one of the debt collection industry 's leading law firms. Known for successful recovery rates achieved while maintaining the highest standards of professionalism, compliance and training, our firm offers premier levels of service and excellence. '' I should think that the highest " standard of professionalism '' would include a process for timely notification of debt repayment. It does not. On XXXX/XXXX/XXXX, my representative from XXXX XXXX contacted their office and the representative was again unable to provide any assistance with regard to notification to the court. I have explained my situation, I have sent them a letter indicating my next steps to file complaints with consumer protection. 

While it may not help to resolve my issue, perhaps it will benefit others.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 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: Sarma
State: TX

Complaint narrative:
Sent them a letter asking for verification and legal validation of this on XXXX. They have ignored me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
I was told by a XXXX XXXX Bank representative that my account will continue to be in good standing as long as I made a payment in the bank directly before a specific date. After doing so they credit grantor closed my account! The account is showing as a charge off for lack of payment although that is n't true.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I was notified that Midland Funding LLC sued my XXXX XXXX, Case No. XXXX. I called them and they said it was because of a XXXX XXXX that I optained in XXXX. The stated there was a balance due of {$2300.00}. I do not remember ever having a credit card with XXXX. They said it was sent to Midland Funding in XXXX. I have never gotten a call about this. I never knew about this. Now I have a law suit and nobody can tell me anything about the charges or where they were spent, etc. I have a credit report from XXXX/XXXX/XXXX. I looked through it to see if a card with that name or number was on it. There is no XXXX credit card in that report. There was no delinquent amount due on that report. There were XXXX credit cards in that report that were assigned to my ex-husband upon our divorce. They are XXXX cards with different account numbers then the XXXX Midland gave me. I do n't know what to do. The person I spoke with at Midland told me to contact you, so here I am. The credit card number she gave me was XXXX XXXX XXXX XXXX. Please help me find a way to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01 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: IL

Complaint narrative:
I was contacted by Midlands Credit Management and they continue to claim I owe them a debt. I checked my records and I do not recognize the debt. They say it is from a credit card with XXXX but I never had a credit card with them. I told them over the phone I disputed the charge and then sent me a letter stating they disagree with my dispute. Now they demand I pay over {$4000.00} to them immediately, which of course I do not have. After looking into this company it is difficult to determine if they are a legitimate debt collector. I also receive a number of calls stating they are a company collecting a debt however the messages never state a name of the person they are looking to collect a debt from.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-06 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Capital Accounts, LLC
State: TX

Complaint narrative:
I have requested verification and validation of debt several times and this company refuses to provide any information to me. I am disputing this debt because its not mine. I also dont believe this company is bonded to collect in my state.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I have been living in XXXX since XX/XX/XXXX and was never contacted by Midland Funding or XXXX XXXX XXXX, their New York legal representatives. In XX/XX/XXXX there was a judgement entered against me in County of XXXX court which, in turn, was added to my public records on my credit report. 

After requesting a copy of the procedural filings in XXXX County ( where I used to reside with my parents ) I noticed that the process server, hired by XXXX XXXX XXXX, falsified service to my mother. My parents moved from that house to XXXX prior to the alleged date of service on the court records. The description of my mother is XXXX inaccurate. 

In order to get this removed from my credit report I must pay an attorney {$1500.00} to take the case, which I can not afford to do at this time. After reading horror stories online I realized that I am not alone. XXXX XXXX XXXX, in addition to Midland/Encore, are deceitful in their business practices and should be forced to pay penalties for unjustly destroying the credit of XXXX Americans.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-11 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
When I signed up for the American Express Premier Rewards card, I was offered XXXX membership rewards points for a spending of {$2000.00} in eligible purchases within the first 3 months of the account opening which should be before XXXX/XXXX/2016. 
I completed the spending requirement of {$2000.00} in eligible purchases on XXXX/XXXX/2016 but I still have n't received my bonus offer points. After chatting with an American Express representative named XXXX through the American express online chat on XXXX/XXXX/2016, XXXX at first told me that I did not meet the {$2000.00} requirement. But after he and I went through all the transactions, he confirmed that I made over {$2000.00} in spending of eligible purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
This is regarding unlawful debt collection practices of XXXX. XXXX received a court order to have my bank account seized to pay a debt, taking every penny to my name XXXX it was basically enough money to cover rent and expenses for a month ). This was done with no notification. After seizure, I contacted them to know why did they do this after I had told them as soon as I get stable employment I would work out a payment plan. They said they unsuccessfully tried to serve me at an address that I did not recognize. I have been at the address I currently live for more than 10 years and had provided it to them twice, in addition it is my credit card billing address. They said because they could not reach me they posted notice in some newspaper and this is all a judge needed to know in order to find judgment against me. This is illegal according to California Civil Code section 1812.700 - 702.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ

Complaint narrative:
submission, [ Case number : XXXX ] I received a response from the HSBC, it was inadequate, they were sued and I was a victim of HSBC failures. they want to hand this issue off to another servicer, as if I was n't serviced by HSBC, repair their image. 
I asked for a VA loan, HSBC promised me a principle reduction, my loan is in a modification. I did n't see any paper work in the terms of the modification, which I understood my rate would not change they lied, I did n't see anything about a principle reduction they transferred my loan. please forward my case to the legal department the was recently awarded a settlement HSBC. My case should be awarded like the many of their customers that were caught up with the Mortgage practices of HSBC. please forward my case. I was also kept from doing HARP, by HSBC. I am experiencing a hardship due to HSBC practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: Healthcare Receivables Group, Inc.
State: SC

Complaint narrative:
I went to the hospital in 2010 when I XXXX in a four wheeler accident. I had XXXX taken and was told it didnt seem too bad as I looked at the XXXX with the nurse. The doctor decided XXXX would be a good idea. I made the decision to not have the XXXX considering I had no health insurance at the time. When I was explaining that I would not need the XXXX, the staff and my father decided to persuade me to have the procedure. At the time they were giving the best help possible. I informed the staff and my father that I would be leaving without XXXX, and at this time they decided to hook me up to XXXX XXXX to prepare me for the XXXX. When the staff left I looked at my father and told him I am leaving, and now I 'm being billed not only for the x rays but also the XXXX XXXX which were hooked up after I tried explaining that I was not having the XXXX. I removed the XXXX and left the hospital.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
The crux of my issue was NOT addressed by American Express in my previous complaint ( case number XXXX ). The response stated that the 6-8 week hold on my XXXX Membership Rewards points is in line with the terms and conditions presented at the time of application. However, as I said in my first complaint, the terms and conditions state, and I quote, " points WILL BE CREDITED to your Membership Rewards account within 6-8 weeks after charges appear on your monthly billing statement '' ( all caps emphasis mine ). However, the points have ALREADY BEEN CREDITED to my account. Therefore, the 6-8 week limit does not apply in my situation. They are listed as " AVAILABLE '' on my account and I continually get emails and pop-up notifications from the AmEx website with reminders that I have these points and that I should use them. If they are not " available '' they should not be listed as such. That is very deceptive on AmEx 's part and was not addressed in the response. 
The response also does not explain why ALL of my points have been frozen. In addition to the XXXX sign-up bonus from the Amex Platinum I signed up for on XXXX/XXXX/16, I had over XXXX points that I had earned from my Premier Rewards Gold card which I held prior to signing up for the XXXX XXXX ( see attachment showing the breakdown of my earning ). However, I am also not able to use those points. I tried transferring XXXX XXXX points for XXXX XXXX XXXX XXXX and I received the same error page as I have received when trying to transfer larger amounts. This is also deceiving because my points earned from my Gold card are also listed as " AVAILABLE '' on my account landing page. I am not notified that I ca n't use ANY of my points until I get to the last step of the transfer process, which I presume to be an attempt to hide from the customer that this freeze has happened. From a company who supposedly prides itself on customer service, there is certainly not a lot of clarity from this company and I 've received only canned responses that clearly show my first complaint was not read properly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-01 00:00:00
Product: Prepaid card — Other special purpose card
Issue: Fees — 
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I received a {$50.00} American Express Prepaid Reward card as a rebate for a purchase in XX/XX/2015. Upon receiving the card, I noted an expiration date of XX/XX/XXXX and have carried it in my wallet ever since. When I went to use the card today, I was shocked to learn that there was only {$2.00} available on the card. 

I have since carefully reviewed the back of the card, which includes the following text : " FUNDS EXPIRE ON THE DATE PRINTED ON THE FRONT OF THE CARD. SUBJECT TO APPLICABLE LAW, A {$3.00} MONTHLY FEE WILL BE ASSESSED AGAINST CARD BALANCE STARTING 7 MONTHS AFTER CARD ISSUANCE. '' In my case, these fees added up to {$48.00}. 

I am disappointed that American Express has taken away 96 % of my rebate amount, when the front of the card indicates the funds do not expire for four more years and there is no asterisk, footnote, or other disclaimer on the front of the card that would cause a consumer to inquire about further restrictions or limitations. Had I not used the card today, the funds would have been entirely depleted next month. Thus, at the very least, the expiration date on the front of the card should read XX/XX/XXXX. 

Furthermore, American Express is certainly aware of whether it will charge such fees " under applicable law, '' while the average consumer is not. In fairness, it would be helpful for American Express to include a web address after this disclosure, pointing cardholders to a page on their website providing more specific information about the fees it assesses for its prepaid cards in each state.

Company response to consumer: Closed with monetary relief
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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I see a collection company by the name of Midland Funding LLC putting negative reports and re-aging old debts on my credit report by changing the dates making them look new to extend the date longer than it should.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-07 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Midland offered to delete my negative credit report in exchange of deleting my negative report. They abused me since I am a minority and my XXXX is not the best. I paid {$1200.00} on XXXX/XXXX/15 and they still trying to collect the account and still reported as I owe the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called outside of 8am-9pm
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
Trans World Systems Inc. called me at XXXX on XX/XX/2016, which is past the XXXX cut off time. When I returned the call on XX/XX/2016, I was told that they have no record of my number. Regardless if I have business with them or not, they should not be calling past XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-14 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
In XX/XX/XXXX, I was mailed a promotional offer to receive XXXX Delta Skymiles for opening an account and spending {$3000.00} over 3 months. I applied for the account, was approved and they sent credit cards. After thee months I completed the requirements for the miles. After not hearing anything for an additional month, I contacted customer service on XX/XX/XXXX. The customer service agent apologize and said he would personally credit the points. He took my cell phone number and said he would call in XXXX to XXXX days to confirm the miles were added. After hearing nothing I called again on XX/XX/XXXX. After a lengthy hold, the agent said that because I had previously had an American Express card, I was not eligible for the promotion ... but because they promised the prior week, she would issue the mileage credit. After another week of not receiving the points, I called today ( XX/XX/XXXX ). The agent I spoke to could find no record of the conversations and said I was not eligible because I had a prior Amex Card. I spoke with a supervisor and they agreed nothing could be done, but issued a XXXX point bonus after I asked to cancel the card. In summary 1. Amex sent me a credit card offer. 2. They approved my application and issued the cards XX/XX/XXXX. 3. I have spent over {$15000.00} on the card 4. Until XXXX/XXXX/XXXX, they never indicated I was not eligible for the miles. If they knew I was not eligible, they never should have issued the card - or at least let me know up front. I have spent a bunch of money on their card with no reward. They should be required to be more honest and upfront with customers. No individual can solve this, but it sure looks like a class action lawsuit waiting to happen.

Company response to consumer: Closed with explanation