vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-15 00:00:00
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express has charged our account a late fee while an amount is in dispute and has marked our account late. The law states a credit card company may neither mark an account late or charge a late fee, interest and/or penalties so long as the amount disputed is in question. Yet, American Express repeatedly states to me they will remove the late fee and late statement AFTER the investigation is complete. This is contrary to law. This is an investigation of cyber fraud on our account which has taken several approaches, and this has been going on since XXXX 2013. Every 60 days we are removed from dispute status and put into late status. This also prevents obtaining the rewards earned, which is again wrong, and each month since XXXX 2013 we have pad all amounts we have charged in full. All we are asking is to pay what we owe and nothing more.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
They are trying to tell me that I have fraudulent activity associated with my social security # and that I am being sued for {$1500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
American Express contacted my family members, with whom I do NOT live, about an overdue credit card balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-15 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
I was contacted by transworld systems inc in regards to a medical debt on XXXX. I had no idea who was calling me and they were calling from a local number with my area code. I asked who was this and the gentleman said his name and company then went on to tell me about the account he was collecting on without verifying information so the collector disclosed information to a third party. I contacted the company the next day to let them know what happens and to get a call back from a manager after they reviewed. They put my account in dispute apparently without me disputing. This could cause me to get a judgement on my record for no reason. This company is violating FDCPA and is a loose cannon in my opinion. I want to know what I should do and if I should hire attorney or what would be best suited for this situation?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
XXXX per my credit report does not show that my American Express Card is CLOSED. Need them to update the status.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
In 2013 I was having some trouble making all the required payments on my consumer loans. I contacted American Express to discuss arranging a payment plan. I realized that I had accumulated a large number of points on my XXXX Amex card, that I also hoped could be used as a credit towards paymrnts. I was initially told this would be ok, THEN I was told it would only be OK if I made a large payment immediately on the card. I felt bullied into the transaction, and complied because I wanted to keep my points balance and keep the card open. After the payment, Anerican Express refused to honor the points balance and closed the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I was offered a promotional balance for a certain amount of time. After paying one day late and receiving a charge of more than {$400.00} balance promotion stopped and I was not advised properly. This unfair marketing practices made me incur again in another unexpected {$200.00} charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I requested PayPal to send me a check of {$500.00}. Estimated arrival was 2 weeks and it has been 2 months already with no check arriving, yet they still withdrew the funds from my account. I called and asked them to cancel the check and refund the money to my PayPal account so that I can transfer it. 

Their solution? I need to wait one week for the to trace the check and cancel it. After waiting a week they will then notify me of a timeframe in which they can reimburse me my money. 

This business practice is almost criminal. I never withdrew my money, I never cashed a check, yet the money is gone from my account. Why do they need to track the check? Why does it take a week to cancel it when it takes me a couple minutes with my bank? How come they ca n't give me a timeframe of when I will receive my money and why do i need to wait months to withdraw money that is mine? Absolutely ridiculous!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
Calling my XXXX XXXX mother at all times of the day, numerous times, keeping her very upset. She does n't know what this is for. Her husband XXXX XXXX and shes not familiar with what they are calling for. The people calling barley speak XXXX and she does n't understand what they are saying.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-15 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American express serve is tampering with a fraudulent investigation and refusing to include all fraudulent transactions once reported involing my account been hacked allowing multiple fraudent Transactions on my account from amazon noting I never had any buissness with a place or merchant called amazon.American express serve files a partial distpute than issue a patial credit than take funds from the merchants, than gives it back to the merchant and cancel the remaing of the dispute stateing I cancle the dispute one the XX/XX/XXXX attempting to interfered or tamper with a investigation ... I have all emails if needed

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I paid my credit card bill in full and was still charged interest. When I called American Express to discuss why I was charged interest, it was explained to me that they take the average credit card balance for three billing cycles and charge you interest based on that. To me, it seems like this is what we can call triple cycle billing. I thought double cycle billing was outlawed by the CARD Act? 

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have the American Express Delta Reserve SkyMiles credit card. XXXX of the features of the card is bonus miles ( rewards ) after spending a certain amount with that card within a calendar year. A few days before XX/XX/2016 ended I called an AMEX representative to find out exactly how much more I needed to spend in order to meet that bonus requirement. I was told that I needed to spend about {$300.00} more ( I ca n't remember the exact number ). I went ahead and spent {$330.00} to be safe. After the year closed I did n't get my bonus, I called to find out why. I was told that it was because I did n't meet my spend requirement. They told me I was {$100.00} short. 
I was told inaccurate information by a representative and as a result fell short of my spend requirement. I made a complaint with AMEX and was told that they will honor the bonus due to the result of their investigation. It has now been over a month and I still have n't received anything. When I call customer service they tell me that " they are still investigating the case ''. It has now been close to two months with no resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-09 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Last year I filed a complaint with you regards to Midland Funding. A few years back I noticed that Midland Funding showed up on my credit report and disputed it through XXXX and XXXX because I did n't know who they were. I received a letter from the credit reporting agency that they did not respond so it was removed. Last year my work received a garnishment letter from the Sheriff. I was given this information from my employeer. I contacted Midland Funding who referred me to the collection agency they had turned it over to. When I contacted the collection agency the informed me that this was for XXXX XXXX XXXX. I financed a vehicle for my family member back in 2001 and never knew the vehicle was taken back by XXXX XXXX XXXX. I was able to verify the date that the last payment was made. I contacted the courts to see when a judgement was filed. I contacted an attorney who informed me that the statue to file a judgement in NY was six years from the last payment. After verifying this the judgement was filed after six years and I was never served with paper from XXXX XXXX XXXX, Midland Funding or the collection agency that they were suing me for this debt. The collection agency informed me that payments were made to them in the last coule of years, I asked them for copies of these payments made which they said they could n't provide me. This clearly is because I never made payments to them and my family member who I financed the vehicle never made payments them either. I want proof of these payments made within the statue of limitations which were never provided. I was informed to file a complaint through this site and am also going to seek an attorney as well to assit with this matter. I would like assistance to find out how they can violate the law and not provide me with this so called payment that I made to this account. I would like this documentation but none of them will provide me with this because it is not the case. I was told that you could assist with getting them to provide this since their acting in violation of the states laws. I notice that the collection agency they placed this with has been sued several times due to this. I was told I could also file something with the attorney general which I will also be ding today.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First Federal Credit Control, Inc.
State: GA

Complaint narrative:
At all times, the debt of {$260.00} is being claimed and handled by XXXX. Consequently, First Federal Credit Control , XXXX and XXXX furnished negative information about me regarding this disputed collection debt to XXXX, XXXX, and 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 2015-08-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Credit is trying to claim a debt was opened in XX/XX/XXXX when in fact the service with XXXX was discontinued in XX/XX/XXXX due to the fact that the area I lived in had no service at all. I switched to XXXX with only 2 months left on a 2 yr contract. They are claiming the debt was opened in XX/XX/XXXX but this is totally false, this to avoid the fact that they are well past the statute of limitations for the state of Florida and they know it. This debt was over 3 yrs old when they first filed it in XX/XX/XXXX and if anything the amount owed would have been 2 months not the price of the full 2 yr contract. In XX/XX/XXXX all debts were cleared while applying for a mortgage. I demand documentation from XXXX as proof that we had any open accounts with them after XX/XX/XXXX, I have not spoken to or verified any debts with them in order for them to start the clock running again. They buy old debts and then add hundreds of dollars to the original amount and keep updating it as a new debt on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-09 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I closed my bank account at HSBC & was told on the phone & sent a letter saying it was closed with a balance of zero. I noticed a late charge from them on my credit report & called. They said they would fix the issue since it was their fault for including a sneaky {$10.00} charge on the account after I closed that then turned into a bigger XXXX from late payments. I never received a letter or call saying that I owed them & I could n't check the status of my account online since it was closed. They did n't resolve the issue & it was then 60 days late. I called again & was assured they would fix it & then it turned into a 90 day late payment. They finally resolved it but never would take that mark off my credit score. I filed a dispute with them through XXXX XXXX multiple times but the late payments remain on there.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 00:00:00
Product: Prepaid card — General purpose card
Issue: Adding money — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I had an over charge from my insurance company XXXX XXXX. I filed a dispute, for the overpaid amount. I was called by Bluebird and told that I would not get a provisional credit. I was then in contact with XXXX XXXX, who told me they sent the whole amount of the bill paid back to my card on XXXX XXXX, XXXX. I still have not received this refund. I called Bluebird AMEX every day since XXXX XXXX, and each time I am called I am told a different story. It takes 3-5 days to process refunds. Then it takes 8 days for AMEX to process refund. Then I was told that my dispute was closed without ensuring that I got a refund. That it would not be until XXXX XXXX, XXXX before I could get any more information about this dispute from them. Then I was told that my dispute was closed on XXXX/XXXX/XXXX. When I tried to open the dispute again, I was told that the dispute was not closed but the provisional credit was. Then I was told that AMEX Bluebird talked to XXXX XXXX last on XXXX/XXXX/XXXX, which is impossible since it was a Saturday, and the corporate office is not open. I was also told that AMEX was told by XXXX XXXX, they were processing a refund. I asked for a corporate office number and they would not give me one. No one is trying to help me resolve this problem. I was also told that XXXX XXXX is the reason that I was declined for the provisional credit. I am not understanding why? How can XXXX XXXX dictate AMEX Bluebird policies. I orginally filed my dispute on XXXX XXXX, XXXX, and it should be resolved way before XXXX XXXX, XXXX. It 's like they closed the provisional credit, and opened another dispute to extend the 45 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: SC

Complaint narrative:
I get monthly credit reports and this month i have a company turn me in collections and i have never heard of the debt, I called the original debt ( HSBC ) holder listed on the report and they kept me on the phone for hours then hung up and i called back they stated it was sold to another company so i ask for the information they sold and said they could not give me that but did give me a company name ( XXXX XXXX XXXX ) so i called them and told them and they said that it was sold to another company ( XXXX XXXX XXXX ) but refuse to give me any other details i ask why i was not sent a letter or invoice and he stated that if i paid my debts things like this would not happen, So then I called the XXXX XXXX 4 times and left a message but get no return callXXXX XXXX is the one that reported it to all three credit reporting agents, i want proof of this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
Amex recently had XXXX offer on their website. However, this offer ca n't be added to my card due to their technical difficulties. I called them to solve this problem. I call them twice and chatted twice. 
First call and chat happened at XXXX, they told me they would call me back with a solution in 24-48 hours. 
Second call and chat was made on XXXX and XXXX receptively, dial rep promised this had been escalated and would return to me in 24 hours. I waited 24 hours, no call back. Then I chatted with online rep and she promised would note their end and call me back in 24 hours. Till now, still have not hear any response! 

The key point is Amex reps kept promising their service and they are not any service for me. If an customer promised a payment and did not pay, their collection team would call us million times and bring down our credit score. Vice versus, If A creditor keep promising but does not do anything, how do we protect customer ourselves? NO! can we de-credit them? NO. I hope CFPB can step into this salutation. Please stop allow any disparate between a customer and a company!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14 00:00:00
Product: Prepaid card — ID prepaid card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
American Express Serve has stolen {$400.00} from me. 

I had a {$400.00} balance on my account when it was closed. I was sent a refund check. 
I accidentally deposited it into the wrong account, my brothers bank account. It was returned unpaid. 
I then deposited it into my account in my name. It was rejected. My bank told me the first incorrect deposit has flagged the check, and I needed to get it reissued. 

I contacted American Express Serve many times to get the check reissued. They will not reissue the check because they claim it has already been cashed. However it has not been cashed, I do not have the money, and I attached proof the check was returned unpaid. 

I have called American express many times and gotten no resolution. They still have my {$400.00} and the representative even blamed me, saying it was my own fault. Does that mean they can just keep my money then? They have stolen the {$400.00} from me. This is criminal. Please investigate this

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-29 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Asset Management Outsourcing, Inc.
State: GA

Complaint narrative:
National Recovery Service is reporting an XXXX debt on my credit report that is erroneous. I had a medical bill from XXXX XXXX that was paid in full, and I am attaching documentation as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: AMERISAVE MORTGAGE CORPORATION
State: PA

Complaint narrative:
I applied for a refinance loan with AmeriSave Mortgage. The appraisal came in to low which would have resulted in the need to close my HELOC. I cancelled the loan. AmeriSave has n't refunded the appraisal fee yet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation