vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-28 00:00:00
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have had a credit card account with American Express for over 10 years, never missed a payment and for the last 3 years plus had a XXXX balance but maintained an available balance of {$8000.00}. On XXXX XXXX, 2016 I had a Family emergency ( in another state ) that required immediate need for financial intervention. On the morning of XXXX/XXXX/2016 I called American Express and confirmed with their customer service I had an {$8000.00} available credit and a XXXX balance. I went ahead and proceeded to use my American Express card to address my emergency situation that same day. I used the card to secure a {$3000.00} retainer for an Attorney ( due to a family member XXXX ) and then attempted to use the card to post XXXX with a XXXX XXXX XXXX ( to secure release of my XXXX member ). The XXXX XXXX XXXX kept getting a " rejected '' notice on my American Express card. The XXXX XXXX re-submitted for payment several times over next several hours. I began calling American Express to investigate and rectify the situation. My frantic calls to AE were transferred multiple times and I was eventually informed to contact AE 's Fraud prevention/monitoring department. AE 's fraud people informed the " denials '' were an attempt to insure the fraud prevention ; it was a " security/fraud matter '' to screen for unsolicited charges. I gave my approval to AE to authorize payment immediately to the specified XXXX XXXX XXXX. After numerous attempts to make payment through my AE card failed. I then used another card for this matter BUT - it was to late and my family member was required to spend the night in jail and be processed out the next morning. 
Please be aware, I later made contact with AE to voice my complaint, anger and objection about this issue on several occasions in XXXX and XXXX 2016. I was eventually told, coincidentally, ON THE SAME DAY of my need for use of the available balance on my American Express Card ( XXXX XXXX, 2016 ), AE lowered my available balance from {$8000.00} to {$3100.00} - I had received NO Notice of this reduction ( remember earlier in the same day I was told of my available {$8000.00} ). Therefore the charge of the Attorney 's retainer had left nothing available for the charge of the XXXX XXXX service ( my family member was XXXX ). " Coincidentally '' I received in the mail in XXXX 2016, a notice of " lowered credit limit '' to {$3100.00}, dated XXXX XXXX, 2016. 
I have yet to receive any further contact from American Express about my complaint to the company on this whole situation. Therefore I 'm appealing to CFPB to move this forward, In addition I am hopeful CFPB can make the public aware of the continued actions of corporations, like American Express that put profits before people ; and the consequences that affect people 's lives. 
I look forward to your assistance and response, Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-19 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: TX

Complaint narrative:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 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: CA

Complaint narrative:
I have been trying to get Asset Acceptance Corporation to remove a collection item on my account. I did not open any accounts during XX/XX/XXXX-XX/XX/XXXX and they have a collection item on my account stating that the account was open XX/XX/XXXX but my XXXX delinquency was XX/XX/XXXX ... that is clearly impossible. I have sent them numerous letters to them and have even requested validation and removal from my credit report, I ca n't seem to get any answers but yet they have not removed it. 
It is my suspicion that this account has been re-aged, I am sure it is a mistake but I would like it resolved as soon as possible. This is the only negative item on my credit report and the debt does n't seem to have any validity.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have an online bank account with XXXX, I use this for my high yield savings account. I also have an account with Chase Bank. My husband and I were in the process of buying a house & needed transfer XXXX to the Chase account so we could initiate a wire transfer. When I attempted to do this, I found that Chase would not accept the money because they needed to " verify that I had funds in the external account ''. Soon after this a block was put on my account & I could n't access my account online. I was told I had to go into to a branch to verify my identity. After I did this, I was assured this would n't happen again, but it did. I had been looking for a motorcycle & found XXXX! All I needed to do was transfer the money to chase so I could get a money order. Well, Chase once again apparently thought I was trying to commit fraud & put a hold on my account! I was told again that I have to go into a branch to verify my identity, ( I was just in a branch earlier same morning ). Meanwhile, nobody will tell me why my account has been blocked! They just treat me like I 'm a criminal & tell me I need to go into a branch to verify my identity! My dream motorcycle may be sold to someone else simply because Chase wo n't accept a transfer! It 's as if Chase does n't like what I 'm doing with my money! It 's my XXXX money! Why am I being treated like a criminal for simply attempting to transfer money TO my Chase account?! I will be closing this account ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
My salary check is direct deposit on the XXXX of every month. In XXXX I sent my payment in with a post it note asking them not to deposist until XXXX XXXX. Because AMEX deposited my check earlier I received a NSF charge of {$34.00} from XXXX. I deducted the {$34.00} NSF from next months balance and sent them a letter documenting the course of events. From XXXX thu XXXX interest fee charges began to escalate for the {$34.00} non payment. In XXXX I sent AMEX the balance on my account and the chards of my credit card after the shredder. I did not tell them to close my account ... it was a message letting them know what I felt about their customer service. XXXX XXXX I received a letter saying, " We may increase your APR ''. " Cash rewards has been forfeited due to cancellation. '' After I received the letter I went online to access my account and it had been deactivated. I tried calling and when they asked me for my account number, they had no record of it. I received no statement in XXXX. XXXX I get a statement and AMEX wants {$2.00} for interest charged. I 'm livid that whoever opened my payment with the not asking for a XXXX XXXX deposit ignored my request. And correspondence from AMEX on XXXX XXXX, XXXX, XXXX XXXX, XXXX, another one on the XXXX, and XXXX proves that the payment received department and correspondence department are n't talking to one another. I also sent a detailed letter inside a payment which AMEX claims they never received. This is a XXXX... note above that I was told in the XXXX XXXX letter that they will not be issuing my rewards money of which I am entitled. I can see now why XXXX is not dealing with AMEX in the future.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-14 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I received a XXXX platinum credit card which has a fee of XXXX/year. I was told that if I spent XXXX in the first XXXX months, XXXX would be taken off. If I bought something through their website ( via one of their partners ) or something directly ( plane ticket ), I would get the XXXX back. Therefore not paying for the card. I called to confirm that if I bought through their skymiles website that it would count as a purchase. I went to XXXX and got redirected to XXXX. I purchased a product, which since I have a XXXX close to my home I would n't have done if it was n't for the credit card offer. I did not get the credit back on my card. I emailed and chatted from their website. I was told that this was not the case. I was given misinformation. I would not have purchased through their website and most likely would not have gotten their card knowing that I needed to pay XXXX dollars. 

Your assistance is appreciated. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-15 00:00:00
Product: Credit card — 
Issue: Overlimit fee — 
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
American Express is XXXX of several credit cards that I pay automatically from my XXXX Bill Pay account. Bills are received automatically and paid on the due date. I have received XXXX bills today, both were due on the XXXX of the month. Per XXXX, the XXXX payment was delivered on the XXXX and the XXXX payment was delivered on the XXXX. In both cases, the payment was posted on the XXXX and a late fee applied. I contacted American Express and they insisted the payment was received on the XXXX. They did agree to correct XXXX of the late charges but no the other.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-24 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
nothing against amercian express but have been writing since XX/XX/XXXX with no response. affected by catastrophic illness and vabdlaism to my home with some interruption to cash flow has been hard. i am a loyal long term customer here and wrote in about some forgiveness of my balances. NOthing with strings attached just loyalty for loyalty like XXXX forgiveness on each. every day card and business this would make a huge impact. and help me so this is not a complaint. i dont need hardship just some loyalty and next month is my birthday PLEASE cosnider PLEASE. i use it carefully, pay and some of the expenses are for problems and hardshiips like flying my son for XXXX or for vandalism to my home. i have heard nothing on my letters PLEASE help please no scripts. Please give back what i have given to you when i need it PLEASE please help me think of all the money lost to bad customers when they dont pay PLEASE help PLEASE PLEASE PLEASE it will cotninue to earn my loyalty PLEASE

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

Complaint narrative:
I applied for a business credit card through Amex. They sent me a " pre-approved '' mailing pack and they gave me XXXX to open. As I was talking to the customer service rep I explained that most of my cards had higher limits. His exact response was that all I had to do was apply for a higher limit and Amex would " take care of me on that one ''. So I did-like an XXXX. I applied for an increase on my personal XXXX card which I got in 30 seconds and then I applied on my Amex business card the same day. Amex denied me. So I was thinking maybe the credit line is too new --. And the csr lied to me. So i applied for a credit increase on my personal Amex card as well. Denial. I hate Amex and their lying customer service reps that promise me an increase if I applied for one and led me to believe that if I had did a hard inquiry I would get the small credit increase of XXXX. They should not be able to lie like that --.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08 00:00:00
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I held an American Express Gold Card number *************** for over XXXX years, from XXXX through on or about XXXX. The card was suspended for late payment in XXXX due to personal financial issues. I entered into a payoff agreement with American Express in XXXX. AE agreed to restore " gold card member privileges '' once the delinquent balance was paid. The account was paid in full in. But AE did not restore the gold card account as agreed but instead activated an XXXX account **************** with a limit of {$800.00}, not the unrestricted limit accorded to gold card members. I applied again for an AE gold card in XXXX and was declined. I was told that I had outstanding balance on an expired corporate card accounted dating back to XXXX. The card was issued to XXXX XXXX which declared Chapter XXXX bankruptcy in XXXX, XXXX. As a creditor, AE was notified and invited to submit final claim to the company as a creditor. AE did not do so and the bankruptcy proceedings were converted to Chapter XXXX a year later without any claim submitted by AE. AE failed to submit any claim which would have absolved me of any personal liability. Almost XXXX years later, AE is still claiming that thousands of dollars are owed to them and using a XXXX year old debt to determine my credit worthiness. ( With a FICO score of nearly XXXX and debt percentage of less than XXXX percent I have excellent credit. ). Maryland state law, Statute XXXX, limitation is XXXX years. AE has failed to actively collect on a debt of nearly XXXX years and has failed to honor agreement to restore my account after payment was made in full on an agreed account balance. I am petitioning AE to dispense with the XXXX year old debt and issue a new account as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
This complaint is about HSBC handling dispute. 
After months fooled by a merchant XXXX, and the dispute is not working. I decide to get help from XXXX government. So I have report this fraudulent activity to " XXXX XXXX XXXX '' in XXXX. The XXXX forward my report to XXXX police department. After the police department investigating the matter and they found I was frauded by XXXX. I have received a report from XXXX XXXX XXXX XXXX and I forward this report to HSBC dispute department. To My surprise, HSBC still want to get a word from XXXX that they are going to credit back the money to card before HSBC can do something to continue this " dispute ''. To me, it is just not make any sense, this is not a normal business activities, it is crime, XXXX promise to sent back the money back to me, many time, in email and over the phone, They just do n't do it. I really want HSBC do something to get my money back to card.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Qualify for a better loan than offered
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
Transworld is a record keeper for XXXX loans but I asked on XXXX/XXXX/16 and XXXX/XXXX/16 for proof of debt but I never received it and now Transworld will send this debt to a law firm. It is illegal to do this because I have asked several times for proof of debt, the only item I ever received was a promissary note with XXXX XXXX XXXX on it. No mention of XXXX or Transworld, I want all of the XXXX loans forgiven due to the company violating the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I need this company investigated because XXXX will keep trying to sue on this debt even though they do not have proof that they own the debt, they offered to settle the debt for XXXX % which is not something I will do.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15 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: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
I have been receiving these types of letters since last of XX/XX/XXXX. I have spoken to a XXXX of representatives on your end in regards to this. The XXXX of times that I have called all representatives were unable to provide detail information as to why there is a " charge-off balance '' from XXXX? I am and have been a current provider with XXXX and can not be provided with an explanation as to why? I do not want this inaccurate information to be effecting my credit for something that is not irrelevant and or current when XXXX is my provider and have never had a problem with my bill and it being paid on time every month. 

My thoughts, concerns and question is WHY after 4 years ( charge off last payment XX/XX/XXXX which is nto true I can show I pay my monthly bill ) was this being brought to my attention in XX/XX/XXXX? Why ca n't anyone from MCM tell me XXXX who is and has been my provider sent this off? 

If MCM and nobody in the business end can provide me with any of the following information to explain to me who, what, when, and why this has happened, I wish MCM make no more contact or communication with me and wish to please be forgiven of the mysterious " charge-off '' I owe in the amount of {$190.00}. I have done all that I can do by receiving these letters, following up with MCM and I get the same run around with no answers to my questions and especially this debt going on for 4 years is now unacceptable with no resolution.

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

Complaint narrative:
I received a solicitation from XXXX for an American Express credit card. This occurred despite my name being on the opt out list for prescreened credit card offers ( XXXX ). I placed myself on the permanent opt out list several years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
American Express has switched " Application approval Process '' on me twice within a year the XXXX was with the XXXX Amex Card from XXXX XXXX, I applied for the " Business '' Revolving Card Since I opened the " Business Executive Membership '' and instead they sent me a Personal Card Revolving Card and not the Business Card, I called them numerous times but they refused and told me they were sorry but could not change it. Then months later I applied for a Business Revolving Credit Card and again I ended up with a Business GOLD Charge Card and NOT the Revolving Card, I called explained and reminded them that I was a " NON-Profit '' Small Business and again they refused to convert the card to a ( Blue Card or a Card for Small Non for Profit Org Revolving Card that carries a Balance Overtime which would have enabled me to make monthly payments. ) Since XXXX XXXX American Express deliberately locked me out of my accounts online preventing me from visually seeing charges made on my account ( s ) and or disabling me from disputing charges and therefore I was unable to make payments, I 've called in numerous times to make complaints regarding this issue and I 've also made a complaint and requested that my accounts to be merged into XXXX revolving payment account as it should have been initially. 
American Express is intentionally causing their clients and consumers to default in payments and therefore charging Consumer 's Late Fees, and Canceling and closing out our accounts as a result their " Unethical Business Practices ''! 
This was reported and reflected on my Credit Rating as Late Payments and Therefore I was unable to be approved for a Balance Transfer with XXXX. 
I 've called them multiple times and they refused to assist to resolve any issues. They will however call you XXXX in the Mornings before XXXX and XXXX XXXX and will call you late at XXXX between XXXX and XXXX XXXX! to ask you for payment arrangements! 
I 've also called in my payments or scheduled payments in the past, but they also botched that up as well by debiting my account before they agreed payment date causing me to have over draft fees with my bank. So I no longer trusted American Express do that as well. 
They are making it hard to make the " Pay-Off Process '' very Hard! and I 'm also Disputing my Current Bill for the Gold Business Card amount {$1900.00} my spending limit was {$1500.00} Nothing has been charged to the account since XXXX XXXX. I 've returned a lot items and do not believe my account was properly credited. In XXXX XXXX I had a XXXX Balance! How did this account become so inflated! Every time I 've asked to speak to a Supervisor, i was always told sorry no one is available or they disconnect my call too.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: ROYAL UNITED MORTGAGE LLC
State: TX

Complaint narrative:
I applied online for a HARP loan and received a phone call from ( RUM ) Royal United Mortgage. 
After verifying my credit score, mortgage payment history, and income, XXXX XXXX XXXX informed me that Royal United Mortgage would finance my mortgage which is at 6.99 % to 4.3 % in less than 30 days. I was told that certain debits would be paid with the cash advance, and I would not need to make a mortgage payment until XXXX, 2015. After electronically signing what I thought was my loan agreement, I was told I needed to pay $ # {$390.00} for an appraisal. After the payment of the appraisal cleared my bank Royal united Mortgage stated they could not do the loan. I DONOT believe RUM had any plans of refinancing my mortgage. I searched on line for complaints against this company and found many, many other consumers complaining about being denied after paying for an appraisal. I sent an email requesting a RUM return my {$390.00} and that I was filing FRAUD against them with my bank. 
How can this company prey on consumers like this. I am a retired senior and {$390.00} is a lot of money for me. 
XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation