vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-18 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
When I used my American Express " Bluebird '' card at a gas pump I used my old zip code ( we just moved ) and the pump declined the transaction. Yet it put a hold on all of the funds on my card. When I called the company they will not release it for 8 days. I went to the owner of the gas station and they are large enough that they told me that they automatically released the hold to American Express. I got the Amex rep on the phone with the vendor who told Amex they would fax a release. Amex would not release my funds. I am denied access to my money for eight days and my transaction was declined.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-29 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Called outside of 8am-9pm
Company: ENCORE CAPITAL GROUP INC.
State: OR

Complaint narrative:
they debt collector called me after XXXX. When i asked for my acct information such as amount and account number he kept avoiding answering a trying to humiliate me. He kept trying to put words in my mouth and all I was trying to do was get the information so I could work on paying off my debt but he kept refusing to give me the information until i threatened to end the phone call. He finally gave me the acct number but again kept trying to trip me up by putting words in my mouth. He was extremely rude and unhelpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15 00:00:00
Product: Debt collection — Federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I received XXXX notices from Transworld Systems Inc. that my student loans were eligible for default. The letters went on to say that Transworld verified my employment and that my lender may contact my employer to institute a wage garnishment. 

I have not had loans with this company for years. I called and both Transworld and the lender told me this was a mistake by Transworld, that they accidentally sent out XXXX these letters to consumers. This is atrocious.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I have requested verification from XXXX XXXX for an account they sent to collections they can not validate account or anything signed with my sig stating account is mine acct was sent to midland funding and they will not remove accout after they failed to vailidate accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11 00:00:00
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I called XXXX in XXXX XXXX to have my credit limit capped at {$2500.00}. The representative told me this was done and the most that could be charged on the card is {$2500.00}. The limit however was never changed and remained {$10000.00}. My son was an authorized user and charged {$10000.00} on this card. I called XXXX several times as they record all the conversations with representatives. I spoke with XXXX supervisors and a team leader and no one got back to me about the telephone conversation in XXXX All this is noted on my account in their system. I am not disputing the charges, although this would never have happened if they did as I instructed. XXXX supervisor, XXXX who is located in XXXX, said she would listen to the tape and get back to me. she never did. I called two more times and no one would tell me what I was when I called back in XXXX XXXX. I am seeking a reimbursement of interest charges totaling {$1000.00}. All the interest that was charged after I called them to reduce the credit limit. I closed the account by paying off the balance of approx. {$9800.00} on XXXX/XXXX/XXXX conf XXXX to stop the interest from accruing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
American Express has removed XXXX reward points from my account without explanation and refused to give me any information on why they have done this and what I can do about it. I registered a complaint with them about this and disputed the {$450.00} fee they charged me for signing up for the card and the XXXX point bonus, but they have closed the investigation without further information on the status of the points. As things stand, this is classic bait-and-switch, in that they enticed me with the reward points and then withdrew them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I paid this debt and then I started getting collection letters from Transworld Systems , Inc. The debt was originally from XXXX XXXX XXXX XXXX which I did pay late, but now have a XXXX balance. I checked online with XXXX and it does show me having a XXXX balance. I paid the debt with my credit card several weeks ago and I 'm still receiving debt collection letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I am a XXXX year old woman suffering from XXXX XXXX. MCM has made repeated phone calls to me collect a debt of my daughter-in-law. these calls continued despite the fact that my daughter-in-law has never lived with me nor used my phone. I gave MCM that information each time they called. as a result of MCM 's cruel tactics I have suffered severe mental distress. every time the phone rang I was overwhelmed with anxiety.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 00:00:00
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I use AMEX serve for transactions as I receive direct deposit on this card. Got into car accident and company XXXX XXXX XXXX had me pay {$400.00} deposit until they received payment information from insurance company ( XXXX XXXX ), well the insurance company paid XXXX XXXX XXXX after they sent them an invoice saying they refunded me the deposit.called XXXX auto and they kept giving me the runaround so I filed a dispute with AMEX Serve ... I sent them email from insurance company confirming amount paid, receipt where they lied stating they refunded me the money. I have yet to get my money back, finally XXXX calls me back and states they would had given me a cash refund but AMEX serve completed a charge back on XXXX XXXX, I really need my money back it 's unfair that no one is giving me my money back even after charge back was completed. Can someone please let me know when I will be receiving my money? that rental has been returned on XX/XX/XXXX its been over a month. XXXX will not give me my refund now that the chargeback has occurred and I have not heard from Amex Serve in regards to the process. I just want my money not even a provisional credit was given and I have been a customer for a long time with continuous direct deposit

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Amex used higher APRs to calculate interest/finance charges on my XXXX 2016 ( XXXX/XXXX/16 ) Amex Clear Card Statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TN

Complaint narrative:
In 2005 I opened and account with Household Financial. I borrowed {$5000.00} from them. Year to date I have paid them approximately {$14000.00} back and they are constantly reopening my case suing me for what they are calling interest. I have paid back three times the money I owed with a case that is over 11 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
XXXX XXXX would like to have me go through a financial review, which they claim is a verification of an individual 's income to see if it can support provided credit limits, but the process is NOT a legitimate verification of income and is discriminatory since it is NOT consistent from one customer to another. 

The process is not a legitimate verification of income because they are only checking income reported on my XXXX tax return. In my case, I received a raise in XXXX, which in theory should support higher credit limits, but XXXX XXXX wo n't see that raise because they are trying to use last year 's tax forms to verify income, which is old information. 

At best, tax forms prove income from previous years, NOT current income. Somebody could have received a raise, demotion, or even lost their job after XXXX XXXX of the current year and based on XXXX XXXX ' method of income verification, they would never see any of these changes in income. 

The process is NOT consistent between customers, which means it 's discriminatory. I 'm being asked to provide my XXXX tax forms, but other people get an opportunity to provide pay stubs, current bank statements, or a conference call between customer service at the customer 's bank and XXXX XXXX. I 'm going to unfairly receive a lower credit limit because XXXX XXXX is trying to verify my income based on old information. If I was able to provide more recent financial data, like my pay stub, I 'd receive a fairer verification of my income, as the pay stub would be much more recent than my XXXX taxes and display my raise. I also started a business in XXXX and have income from that, which wo n't appear on my XXXX tax return.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
My American Express Blue Cash Credit Card with ending number XXXX was wrongfully charged without my authorization on XX/XX/XXXX. The charge was {$100.00}. I paid off the charge plus late fee and interest charge in total of {$120.00} on XX/XX/XXXX. However, American Express charged {$1.00} interest. This blue cash account information disappeared from my online account. I travelled to XXXX and XXXX during XX/XX/XXXX and XX/XX/XXXX and I did n't see the {$1.00} online. American Express Company terminated this blue cash card and closed out the account because of {$1.00}. They also forfeited {$1000.00} cash rewards I accumulated on this account. I authorized my brother to call American Express and one representative promised to fix the issue and return all the cash rewards to my other American Express cards. However, they lied and never return the money. At this moment, American Express refused to reopen the account and return my cash rewards. Additionally, they had reported this unresolved issue to credit agency and ruined my FICO scores. I am deep trouble getting loans if I want to buy an apartment. I have to bring this case to court and sue them and seek financial resolutions. They must pay all my cash rewards back and undo the damage they caused to my FICO score and also pay for any related damages.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-10 00:00:00
Product: Credit card — 
Issue: Arbitration — 
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I would like to file a complaint against American Express Credit Card. I used them to make a purchase with floorstoyourhome.com, in the amount of {$1800.00}. 
American Express does n't stand behind their customers. We installed the flooring, but it buckles up. The retailer sent out his inspector who said the reason, because the subfloor is not even. When their inspector was here he never removed the floor to check out the subfloor. Did n't remove any moldings and came back with a false report. I hired XXXX independent contractors to do inspection. Both said the problem is not the subfloor. It is the merchandise, because the locking mechanism is defected. Finally I could talk to a customer service representative at XXXX XXXX ( the manufacturer of the wood floor ) who said the reason we are having a problem, because the underlayment what the retailer sold us is not compatible with the floor. XXXX XXXX even e-mailed me out the installation requirements, what they provide to all retailers. I forwarded that document along with the purchase receipt to Amex, which shows that floorstoyourhome.com sold me the wrong underlayment. I sent all the documents to American Express and they denied the dispute. They told us they are not even going to look at the proofs, pictures and documentations from our side. They are only talking to the retailer. The retailer only provided his inspector 's report and American Express accepted it as is. They did n't honor the other XXXX professionals inspection reports, the pictures and the manufacturer 's letter with the installation requirement. This is not fair that I have to pay for defected merchandise with the wrong underlayment. Also this cost me more since the floor had to be installed, I had to pay for the inspectors, we need to pick up the floor and underlayment and reinstall everything with the right underlayment. I did n't even counted the precious time I had to spend to arrange everything, communicate with Amex, all the letters, pictures, phone calls. 
Please look into this very serious and delicate matter!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Resolute Credit, LLC
State: CT

Complaint narrative:
I had a credit card opened in XX/XX/XXXX with XXXX, NA after I was married to my husband in XX/XX/XXXX. Even though it was in my name, we both used the card for both of our use, which included purposes for the home we bought in XX/XX/XXXX. However, since the credit reached a substantial high of {$6500.00}. along with other credit cards we had that we made home improvements on, we decided to refinance on a XXXX mortgage in XX/XX/XXXX with XXXX Mortgage eliminating these debts. Unfortunately, XXXX child later, and in XXXX, we divorced and I 'm left in a strict foreclosure after losing my job due to the economy crisis in XXXX and working XXXX jobs to meet the mortgage and during XXXX job I took a fall which left me on XXXX since XX/XX/XXXX, still fighting for XXXX. However, let me be brief ... XXXX, XXXX apparently sold off debt to XXXX XXXX , XXXX in XX/XX/XXXX, that 's XXXX years later. I 've never had it on my credit report since then. Like I said, I refinanced the debt in XXXX. When I received the letter from XXXX XXXX , XXXX inn XX/XX/XXXX ( which by the way is over the statute of limitations in CT ). I immediately advised them that this credit was refinanced in XX/XX/XXXX and she said ok I 'll take care of it. There must have been an error. I was never notified any time after that, but I was taken to small claims court in XXXX XXXX where there was a judgement against me yet no papers were ever sent to me for {$5000.00} judgement XXXX months later. Then they sold the debt off to another credit agency called Resolute Credit who is now again taking me back to court and threatening me when they know that they can not go into my funds because I am on worker 's compensation and I was receiving child support which just ended and my son is living with me until he goes to XXXX in XX/XX/XXXX. However, this man legally threatened to go after my checking account again for the same amount knowing I just turned into the court via fax An Exempt for Execution which I should n't have had to do in the first place because the Bank ( XXXX ) should have been able to protect my money with my Divorce Decree on File as well as my XXXX Check. They should have marked my account as XXXX!! And they did not do their job. So yes, I believe this should be made public for others to see. So it does n't happen to them. And their should be laws put against these Credit Card/Collection Agencies that do this because now I have this on my credit report which ruins my credit report while I now need to look for a place to live and when they need to check my credit score, it brought it down traumatically. And they should be held liable for this damage.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
AMEX sent me an offer for a 6.99 % reduced rate on my credit card purchases from XXXX/XXXX/16 to XXXX 2016. I signed up and accepted this but to date, AMEX has not applied this lower rate. I even received an email confirmation but still not receiving this rate. I called and spoke to a rep who did not have a good command of XXXX and she told me I am getting the rate but could not provide and evidence of me receiving this rate. I told her that she was wrong and she told me to write to AMEX. Attached is a copy of my fax correspondence and delivery confirmation Sent : XXXX @ XXXX EST and still not even a response. At this stage, I am due a refund by my calculations of over {$300.00} to date and this will only increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-26 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
Current customer of American Express for over 7 years. Continuously spend over XXXX $ monthly, and pay my bills on time. The last few months, something has been happening with my bank, that my payments are a day or two late. I called customer service, asked to speak to supervisor to see if the fees could be credited as a courtesy for being a long-time customer. The first supervisor hung up on me, and when i called back and asked for supervisor, the second supervisor did not even review my account, but told me that he will not credit anything, as people who spend more money than me dont even get credited. He was rude, and not customer oriented, and did n't give my account the time and review I requested.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-29 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ

Complaint narrative:
I was left a voicemail by this company stating there is a " pending civil judgment lawsuit '' being filed against me. This voicemail was left for me on XXXX XXXX, XXXX. I called this company to see what it was about. The representative there claimed I owed on a debt to HSBC. He said the last payment was made in XX/XX/XXXX. He said if I did n't pay, I would be sued in XXXX County Court. He said the balance owed was {$2500.00}. He offered a settlement for half of the balance. 

I believe this company is a scam. To my knowledge, it is illegal to threaten a lawsuit if they have no intention of carrying it out. It is also illegal for them to threaten lawsuits on a voicemail. In addition to this, the Statute of Limitations is 6 years. If they are saying my last payment was made was in XX/XX/XXXX, the debt is at least 7 years old and is time-barred. I never received anything in the mail from this company prior to these phone calls, and I am unsure if this is even a valid debt, or if this company is authorized to do these collection activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: ME

Complaint narrative:
I am seeking a Deed in Lieu of Foreclosure. I began the process in XXXX XXXX, and all documents were submitted and accepted by the mortgage servicer. In late XXXX XXXX I was informed the request had been conditionally approved. For the past five months I have received letters from the servicer stating they are actively working on my account and I should have answer within fifteen business days. The letters usually arrived every three or four weeks. I received a letter from the servicer dated XXXX XXXX, XXXX stating my request for a Deed in Lieu of Foreclosure resolution was denied. I believe the servicer unnecessarily delayed a final decision until after the Home Affordable Foreclosure alternatives ended XXXX XXXX, XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
Mortgage servicing company ( PHH ) is not applying payment funds correctly, has incorrect amounts due, & issues payment reminder notices indicating payments not received, debt collection notice, and threats of reporting information to credit bureaus weeks before payments are even due.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26 00:00:00
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Again, American Express ( Amex ) failed to follow their term in their letter dated XXXX/XXXX/2015 ( copy sent earlier ). All their past responses to this complaint are irresponsible. Therefore, I will continue to file this complaint until Amex becomes responsible and transfers the XXXX earned rewards points to my open Amex account. 

I am in full disagreement with Amex 's failure to transfer XXXX earned points from my closed Amex account # XXXX to my open Amex account # XXXX ( copies sent earlier ), because Amex stated in their XXXX/XXXX/2015 letter, " that as per the MR Terms and Conditions if you cancel your enrollment in the program and do n't keep open any American Express Cards, all points in your program account will be immediately forfeited ''. The key word in this quote is the word " any '', which pertains to my open Amex account # XXXX. On XXXX/XXXX/2015 I advised Amex in my letter ( copy sent earlier ) of this open Amex account. 

Amex needs to transfer my earned XXXX points to my open Amex account # XXXX per their terms and conditions. If then they are not in compliance with Federal banking laws.

Company response to consumer: Closed