vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-03-19 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
I have a American Express card where they are supposed to have a reward for Fuel purchases of 4 %. Upon checking my statements and on the AMEX site I noticed I was not getting the rewards for a certain gas station. I informed AMEX and they replied that the business is not considered a gas station, even though it is and thats all they sell. The gas station is part of XXXX XXXX grocery markets, however the gas station is a stand alone building on a corner not connected to anything else. Sometimes these stations are branded as XXXX '' and sometimes they are branded as XXXX XXXX. I 'm located in XXXX, CO and all over Colorado and the XXXX, there are a lot of these gas stations that are somehow part of XXXX XXXX ( XXXX family ). The rewards come in as cash, so you can understand why I use the card exclusively for fuel, only to find out that the gas station I fill up at is not considered a Gas Station by AMEX. Around here in XXXX and XXXX area, there are tons of these XXXX stations and I ca n't be the only one who is losing cash rewards from these stations not being considered " gas stations ''. The AMEX card I have is issued to a lot of people as it is the AMEX that has been offered as the XXXX Amex card, so there are tons of people with this card out there that are not getting a huge amount of rewards money for their fuel purchase. I 've spent over {$3500.00} in the past two years at this particular gas station and am only now seeing that they have not rewarded me any rewards for shopping there. I contacted AMEX and spoke to them over XXXX, where they said they researched and found the categorization to be correct as far as they are concerned. The funny thing is that if you go onto the AMEX account online and look at your purchase it says under the charge..AUTOMATED FUEL, Category : Transportation - Fuel XXXX. 
This is what it says when you buy groceries ... GROCERY STORES, Category : Merchandise & Supplies - Groceries I 'm not sure what else to do, they have scammed me out of hundereds of dollars over past couple years because of them saying these stations are not gas stations. I have the XXXX feed of my interaction with AMEX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 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: NC

Complaint narrative:
The complaint includes Reinserted previously deleted information, account terms, account status

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OR

Complaint narrative:
I had a loan opened XXXX XXXX with Beneficial for the property located at XXXX XXXX XXXX XXXX. The house was sold and the loan paid off IN FULL XXXX, XXXX. I have copies of closing title documents to support this. For unknown reasons, Household Finance Co ( FKA Beneficial ) posted the EXACT SAME LOAN amount and are showing it as current for an unsupported balance of {$62000.00}. They first posted this to my credit reports XXXX, XXXX, a full 7 years since the sale and payoff dates. Because of this, I can not obtain a new mortgage loan. When I contacted HFC, they could not explain to me how they arrived at this number, nor why they are showing it as " current '' though XXXX payments have been made to them towards this allegedly owed amount. I think they are listing it as CURRENT in an attempt to toll the 6 year statute of limitations in the State of Oregon to seek legal remedy for an implied breach of contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-29 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Trying to collect on debts that I do not owe I do not have no form of signed credit obligations with Midland Credit Management never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I signed up for the American Express XXXX card with a bonus of XXXX membership rewards points after meeting the minimum spend. I met the minimum spend and was given the XXXX points. Three months later Amex took the points back. When I called I was told it was due to " returned products. '' There were never any returned products. The CSR agreed with me and told me they would open a case and I would hear back within XXXX5 business days. I never heard back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-18 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 a " Paid Collections '' account on my credit report that has an original creditor delinquency date of 2007. I contacted Midland Funding LLC. and asked them to provided me with the original delinquency date so they can remove the " Paid Collections '' from my credit report because it 's been over seven-years since the original creditor reported delinquency. Federal law requires that collection agencies " Midland Funding '' report the original delinquency date from the original account. Because the original delinquency date does not change, the seven-year time frame does not start over when an account is sold or transferred to another lender or collection agency. I have contacted XXXX XXXX Division Manager of Midland Funding LLC through phone calls and certified mail. They only provided me with the date the account was sold to them. I still have no confirmation from Midland Funding LLC about the original delinquency date and they have not removed my " Paid Collections '' which is severely effecting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14 00:00:00
Product: Credit card — 
Issue: Other — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MD

Complaint narrative:
I have disputed this item multiple times but have not been successful with getting the file update. HSBC is reporting as a charge off but sent me a letter advising that the account was sold to another company. If this is the case my file should have been updated to report transferred. For five years HSBC has reported incorrect information. I have disputed this file numerous times with XXXX but have not been successful with getting this account to report correctly. Per the FCRA if an account is sold or transferred you can not report the account as a charge off. This reporting has affected my credit in a major way and has caused me to be denied time after time for new credit. HSBC and XXXX should be repsonsible for all damages caused due to there failure to report accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I prepaid for XXXX hotel rooms on XX/XX/XXXX XXXX XXXX for me and XXXX for my parents ) on AmEx travel using my AmEx credit card. When we were checking out on XX/XX/XXXX, the NH XXXX hotel claimed that it was not prepaid so we paid again since the confirmation was n't clear cut that the rooms were prepaid. I disputed the charge. My parents were refunded on XX/XX/XXXX but it 's been over 2 months and I still have not been refunded. The hotel actually charged my credit card on XX/XX/XXXX and then promptly refunded that charge, but I have not been refunded the charge on XX/XX/XXXX. AmEx Travel and AmEx credit card have been completely incompetent. I have called several times and have been told that there are no disputes open even though I 've received confirmations that I opened a dispute. This is incredibly frustrating.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
When I struggled to stay in my home in 2010, my primary mortgage holder HSBC was almost impossible to deal with. In the end, I believe all I received was 10 years added to the length of the mortgage and I was not given a low interest which would have been of more assistance. I was also not informed that I may have a looming HELOC crisis on my second mortgage. I feel I have been misled by HSBC and defrauded by XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 00:00:00
Product: Prepaid card — General purpose card
Issue: Adding money — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I have an American Express Serve card. On XXXX XXXX, 2016, I loaded {$120.00} on my card at XXXX. Before the load, I had a XXXX cent balance on the card. After the load, the card balance was XXXX. 

I contacted them to inquire why the load amount did not post. I was told they took their system down for upgrades, and they did not know when the load would post. Twenty-Four hours later, I called again to discuss the problem. I inquired why they would take their system down, but still accept cash loads. I also inquired again when the load would post, and was told they did not know. 

They took a cash load for the card, but did not post the balance on my card. They have not offered a refund or will not give a date if or when the funds will post.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Sarma
State: NC

Complaint narrative:
I PULLED MY EQUIFAX CREDIT REPORT AND NOTICE I HAD A HARD INQUIRE FROM SARMA MORTGAGE DEPT THAT I DIDNT MAKE I HAVE NEVER TRYED TO GET A MORTGAGE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MD

Complaint narrative:
On XXXX/XXXX/2016 contacted HSBC Bank to register Credit Card for online access to pay bills. Was advised they could n't do it and to call a different number. I had them transfer me and was advised that the account had been closed and that I was classified as " deceased ''. They told me I had to go into a branch location with ID to verify identity. I went to the HSBC Branch In XXXX, MD @ XXXX XXXX XXXX XXXX, XXXX, MD XXXX. They took photocopies of my ID 's and said that there was nothing they could do at the present time and had to be worked on in house. They said someone at HSBC made an error but gave no time table or additional info regarding resolution. The personal I was dealing with at the bank said, " we are waiting for a copy of the death certificate. '' They did not provide any details as to why I was identified as deceased said I could not pay my bill over the phone or online because it 's currently in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-15 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I enrolled at XXXX XXXX XXXX on XX/XX/2016 in the XXXX program. 5 weeks later, on XX/XX/2016, the school closed permanently without notice. A letter was posted on the school 's website informing all students and staff that the school had closed. When I enrolled, I had to get a private loan, from the school, that they are saying I am now responsible for, even though I never even finished one term. I never received one credit from the school, as we were still 3 weeks, from finals. When I contacted the loan company, they said there was nothing they could do and the loan had to be paid back because they gave the funds to the school. When asked should n't the funds been sent to me and I sign the check over to the school, I was hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
Contacted XXXX XXXX XXXX XXXX XXXX XXXX about an unauthorized charge for {$24.00} on my XXXX card. The agent claimed that I signed up for this service via phone in 2012 and incur a charge every time I use my XXXX card to rent a car. I have no recollection of signing up and I have never received notification of this service from XXXX or this XXXX subsidiary. The agent was most unhelpful and claimed that they would not refund the charge because I had already availed of their service ; he also cut me off when I asked to be transferred to a supervisor. I called back and spoke to a lady named XXXX XXXX, with much the same result- very unhelpful- and they claimed that the only way I could get proof that I did sign up in 2012 was if I subpeonaed their records. I then called XXXX XXXX directly and spoke to an agent named XXXX who claimed that according to his information I had signed up for this service via the Internet. When I explained that the agents of the subsidiary said that I signed up over the phone ( and that I had no recollection of signing up for this via phone or internet, nor did I have any confirmation of signing up or any other documentation ), XXXX confirmed that according to his records this was done over the internet. He was also slightly more helpful in that he said there might be a way to reverse these charges. I said that I was fed up with the terrible customer service that I had experienced with XXXX and I proceeded to cancel the card. I have also filed a charge dispute with XXXX on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
Portfolio Recovery Associates is trying to collect a debt they bought from XXXX and they are no longer Licensed to operate in the state of Missouri

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I am very frustrated with American express. American Express customer service is horrible. I just opened a blue cash everyday credit card account few weeks ago ( in XXXX 2015 ), and then I received a pre-approval mail today for the same Amex Blue Cash Everyday credit card with a better promotion offer ( {$150.00} cash back bonus instead of only {$100.00} bonus ) under my name and the same home address of mine. I called to ask if they can grant me the promotion of the mail that I received since my credit card account is relatively new ( only a few weeks old ), plus I received this mail offer ( with the same credit card product ) from them directly. After over an hour repeatedly explained and waiting due to I was being transferred around to different departments and agents for several times, and then only got an answer from a supervisor ( agent ID XXXX ) basically saying sorry, a bad luck. I even tried to contact American express via other social media, such as ask Amex on twitter, and they informed me that there is no direct email that I can contact regarding my concern, and they can not do anything. I was extremely upset and frustrated with their service. I just do not understand why they advertise me a promotion offer that they can not grant. What is the point of advertising / sending me an offer IN MAIL to me directly ( with my name and address on ) for a credit card product that I just obtained ( exactly same credit card product ) few weeks ago, and then told me there is no way for me to receive such promotion. This is ridiculous. 

I still have the physical copy of the advertising / promotion mail that I received, and I will keep it for further actions if it is needed. 

Thank you so much for the help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
I get 1 to 2 calls per week from Portfolio Recovery Associates L.L.C. They leave no message. I purchased a new home a few months ago and got a new phone number. My credit rating is above XXXX and I have no outstanding debts. They have called from multiple area codes, XXXX, XXXX, and XXXX. I have returned the calls and only provided them my telephone number and asked to be taken off the call list because I do not owe any debt. All they do is request personal information that I am unwilling to provide. I have asked them to stop calling to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FC HoldCo LLC
State: OK

Complaint narrative:
I refinanced my car with Flagship over a year ago, I went through the application process and sent you all the information required and you in return paid my loan with XXXX XXXX. My first car payment was not due until early 2016. During that time I was told that I could only change my due date only once and it will remain the same through the life of the loan. I did change the due date to the XXXX to accommodate my pay schedule. After I made that change my company decided to change our pay periods without giving us notice. I called customer service to have the due date changed to accommodate my new pay schedule, the representative said I had already changed it and I could not change it again. 

Now my issue with your company is that first I did not receive a copy of the contract that I signed and I have been unsuccessful in obtaining that. Second, I feel that a customer should be given the courtesy to change there due date at least once time a year but your policy does not allow that. Third, I am getting charged late fee every month when I make my car payment and no one in your customer service department has not been able to explain what amount I am being charged.I cant afford to keep paying late fees plus my regular car payment. I explained to the rep I can make my car payment on the XXXX of the month and she told me that would be noted. I am continually getting up to XXXX customer service calls a day from your company and they are the most disrespectful human beings I have ever encountered. I trust this is not the way your awful company conducts business with valued customers. 

I am completely mortified with your companies polices, bad customer service and the interest and late fees. I regret ever refinancing my car with your company. I never had these problems with XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: ID

Complaint narrative:
i am receiving a threatening letter from a company called Portfolio Recovery Associates , LLC ( address is XXXX, VA XXXX ) telling me I owe several hundred dollars on a XXXX credit card I havent used in a couple of years. I called them, and they told me they are handling the account for XXXX Bank ( which handles debts for XXXX XXXX and that my credit rating is at risk. When I contacted XXXX, who connected me to XXXX Bank, they tell me my account balance is XXXX and that they have never heard of Portfolio Recovery Associates and do not ever sell their accounts to other companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
On XX/XX/XXXX my bank account was debited for XXXX without my authorization. In talking to the bank the Legal Order was ordered by Portfolio Recovery Associates. I received a Notice To Defendant to my father 's address dated XXXX/XXXX/16 for an amount of {$6000.00}. 

I have no idea why this judgment was entered and what this is for. 

I lived with my father for 6 months but did not incur any debts, did not make any purchases and I 'm not familiar with who Portfolio Recovery Associates is. 

Now I have no money to feed my son and no money to pay my rent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-24 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
The company has been paid off, and now they just filed a judgement of debt for {$220.00}, the first contact letter was XX/XX/XXXX, now it 's XXXX XXXX, 4 years and they filed a judgement to get money that is not owed. NC has a 3 year statute of limitations. XXXX and XXXX has removed the collection because it was old and paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
Ohio XXXX XXXX contract Portfolio Recovery Associates , LLC to collect a debt which is not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
There keep calling me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
I regularly receive calls from " Portfolio Recovery '' regarding a XXXX XXXX XXXX debt. I have previously verified with them that the last XXXX of the SSN they have on file is not mine and that the names do not even match, but they continue to call, including on a weekend morning ( today XXXX XXXX, 2016 ) before XXXX, waking my household. The supervisor today was " XXXX XXXX. '' They have clearly failed to demonstrate even a modicum of due diligence in confirming that the phone number they continue to call matches the name and SSN of the person they are attempting to contact, even after being informed of this.

Company response to consumer: Closed with explanation