vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-14 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I ordered some phones wholesale from XXXX. I had a lot of trouble with the merchant, contacting them and finding a resolution. The phones were inspected and found to have non-oem parts. I requested a refund with the merchant and the merchant denied it. I opened a dispute 4 times with American Express because each time it was sided with the shady merchant. I provided documents showing phones being sent back and documents showing the professional evaluation of the phones. I got scammed out of $ XXXX. Now I can not do anything because the merchant has told American Express that they never received the phones but instead received " books ''. I got scammed and American Express did absolutely nothing to protect me. My consumer rights were ignored and American Express continued to side with the lying merchant from XXXX. I am complete upset and American Express could care less. All they want is money and to cash in on my losses. I have been scammed and defrauded.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland Credit Management has given my information to different debt collectors in the area and my harassment has increased. I have gotten about XXXX letters from different agents pointing that they got the information from Midland and that i 'm about to be sued or should declare bankruptcy. This is an over reach and harassment started by Midland Credit. They acquired a debt that I had worked out with the creditor before hand and have been harassing every since. Before this, I was receiving up to XXXX calls a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-28 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ENCORE CAPITAL GROUP INC.
State: RI

Complaint narrative:
Midland Credit Management contacted my landlord several times and told them they were calling to collect a debt of mine in violation on FDCPA 804 ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17 00:00:00
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: Jonathan Neil & Associates, Inc
State: WA

Complaint narrative:
Calling during work hours after stating that Im not allowed to accept personal calls during working hours. I 've given hours that he can call but does not call durning these times. Due to these issues I have had delays in payment. The collector will now not accept a months payment, saying that he does n't have time for the process unless I have previous months payment.

Company response to consumer: Closed
Consumer complaint received 2016-08-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
The debt is listed as being incurred in XX/XX/XXXX against a business that closed in XX/XX/XXXX and was closed debt free with all business relationships finalized and satisfactorily closed out. I contacted the orginator ( XXXX XXXX XXXX ) without any success because I could not produce an Account Number of the closed business. This debt collector now wants payment or will continue to send me letters and call my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I have asked Midland Funding to validate a collection they are reporting on my credit reports from XXXX/XXXX/16 to XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22 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: IN

Complaint narrative:
They have called me upwards of XXXX times in the past month. They are callingmy parents house, and harassing them, after repeatedly being asked to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
Debt collection notices constantly received from Transworld Systems Inc . I have called twice and notified them that debt has been paid with Check # XXXX cashed by XXXX XXXX XXXX on XXXX XXXX, 2015 for the full amount of the debt of {$40.00}. ( Scanned copy with full cashing information attached ) My account # at Transworld is XXXX. However, Transworld continues to send me collection notices more than weekly despite my calls. The XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX VA XXXX goes directly to an answering service when called. I provide all requested information and am told I will be called back within 24 hours. After 5 calls, they have failed to contact me. I consider the actions of Transworld invasive and abusive and the lack of response from XXXX XXXX XXXX XXXX against reasonable business practices. Furthermore, they only have one method of contact -- phone -- - which as previously stated is an answering machine with no return phone calls despite numerous attempts by me and assurances on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: KY

Complaint narrative:
On XX/XX/2016 I got on XXXX airlines web sight to purchase a ticket. They had an offer with american express that if you applied and got approved for a credit card, you would receive XXXX dividend mile after you made a {$1000.00} in purchases and a {$50.00} credit after you made a purchase with XXXX. I applied and was approved right a way. They Emailed me my credit card account number. When I tried to purchase my ticket, ( minutes later ) the application wanted my XXXX digit pin number on the back of the card, I did n't have one. I called american express and told them and they said that I will have to wait until I get the card and that they did n't have it either. I bought the {$790.00} airline ticket with another credit card that day, because I did n't know how long it would take to get the card. I received my american express credit card statement today and I did n't see the {$50.00} credit on it. I called Amercian express and complainted about trying to make a puchase and could n't because I could n't get the pin Number and that I I had until XX/XX/XXXX to make a purchase through XXXX before the offer expired.. My complaint is I tried to make a purchase with Delta through their promotion american express credit card and could n't because they would n't give me the XXXX digit pin number to complete the transaction. I tried to get american express to extend that offer for another 3 month but they would n't. I do n't plan purchasing another airline ticket until XX/XX/XXXX at the earliest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I was charged interest i had questions about. I called customer service to inquire about what the interest was for. The lady on the phone tried to explain to me what the interest was for, and that it was in my credit card agreement. I asked her to tell me where in my agreement this was explained, and she said she didnt know. I then asked her to send me the agreement, and tell me where I should look for this information, and she simply hung up the phone on me. This is really poor customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC
State: SC

Complaint narrative:
Transworld Systems Inc. sent me a letter regarding an owed balance of {$300.00} with a request for me to mail payment to " apology letter tenet. '' I attempted to call to inquire about said debt, and the person I spoke to could find no record of my account number provided on my bill. After she requested further personal information, I felt uneasy about continuing the conversation. I am not delinquent on any debt currently, and I 've never been made privy to this amount by any company or medical office. The only notice I 've been given about owing this amount came from Transworld Systems Inc . This company is violating the Fair Debt Collection Practices Act because they are using deceptive practices to obtain money for a debt that they ca n't prove.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29 00:00:00
Product: Prepaid card — General purpose card
Issue: Adding money — 
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I purchased a prepaid Serve American Express at XXXX at checkout something was n't was n't standing correctly and they had to bring up the card and at which point they told me it would be active it was supposed to automatically be ready to use and apparently it was not scan properly and when I tried to take it back they told me to call the Washington State financial institutions when I called American Express and they asked me for copies of the receipt copies of the Box copies of the credit card so on and so forth copy of my ID and so far I 've heard nothing back from them and spent {$200.00} for nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
Property Address XXXX XXXX XXXX XXXX XXXX CA XXXX I had a hardship. I went was laid off, placed on XXXX then XXXX. during this Time, I reached out to my mortgage company for a home modification. 10 months later ( sending documents, being told my account was with the underwriter, reisending documents ) I received a foreclosure notice on the door XX/XX/2016. This is after months of Submitting and resubmitting the documents, the same documents over and over. From XX/XX/2016 until XX/XX/2016 the same thing continue to happened, However XX/XX/XXXX they did n't push my sell date, claiming the Friday before the Monday it was to be sold, that they had n't received a document that I sent and had proof of sending. So I contacted a Bankruptcy Attorney. That Monday, my attorney reached out, they advised him that the sell date was postponed and that they had received my documents and that it was under review. Within a few weeks, I began to receive request for additional documents. The attorney reached out XX/XX/XXXX to get an update and to ask what was the plan because we need the information for court. The same day the modification was approved. and faxed over to my attorney. During this time I was forced to go back to work because they would n't help. The mortgage company has charged me over XXXX in fees. I have no issue with paying what I owe for not paying the mortgage. my issue is that my financial income has not changed in terms of what I make and was bringing home via XXXX. If they could approve the modification now, why did n't they approve it when I first submitted the documents. I would n't owe this much. I believe that they purposely did n't approve the modification because my house is in an area where the property value shot up due to the XXXX coming to my city. I purchased my house at XXXX with XXXX % percent down. The modification is for XXXX. Those are fees associated because they would n't approve my modification loan for months. Why should I have to pay for the underwriter workers dragging their feet, waiting 30 days to ask for documents, then waiting another 30 days and ask for the same document this was a continuous cycle, planned to either wait until I did n't submit a document to sell my house, or rack up fees to make my property un-affordable for me. This practice is not fair. I am a single mother, with a XXXX, XXXX XX/XX/XXXX. I had to go back to work, which the doctors did not approve all because the bank would not modify my loan. then when they do decide to modify my loan the payments are the same. The loan amount his higher along with the property Taxes. I am so confused, how can they do this to me! please help me ... I am so in need of your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I applied and was approved for Amex Platinum Personal card on XXXX/XXXX/2016, where the terms and conditions stated a bonus of XXXX points on spending {$3000.00} within 3 months. 

I satisfied the bonus terms and received the points within 3 months ( before XXXX/XXXX/2016 ). The purchases and spending made qualified under those terms as appropriate ( I was over the threshold spend even after credits, returns etc, and none of the spending was for cash-like instruments like gift cards and so on ). 

However, today on XXXX, the points have been taken away, which is against the terms and conditions, given that I satisfied them completely and fully. I have fulfilled my end of the terms and conditions, and expect Amex to do the same please.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Midland Funding LLC XXXX XXXX XXXX XXXX Bank, by their attorneys, XXXX XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX, NY, sued me in District Court, but never served me with the court paperwork. I later found out that they were reporting a default judgment on my credit report. I never even knew they obtained any judgment against me. I was never provided with notice or given an opportunity to defend myself against this case. I was able to get a copy of the Affidavit of Service from the court, and the information in the Affidavit of Service claims that a person was served at my residence, but it was not me. In addition, the purported person does not even exist. Nobody at my residence fits the description of the person allegedly given the paperwork. Also, the affidavit says that the summons and complaint were mailed to me. This is also not true. Nobody in my household was ever served with the court papers, and the court papers were never mailed to me. In addition, I did not get a copy of the motion papers seeking the default. Nor, did I receive a copy of the judgment. I only found out about this because of they had reported the default judgment to the credit reporting agencies and now there is a serious blemish on my credit report, which is entirely fraudulent. The process serving agency listed on the Affidavit of Service is XXXX XXXX XXXX XXXX , XXXX, located at XXXX. XXXX XXXX, XXXX XXXX, NY XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
Midland Funding LLC claims that my husband owes them a debt despite my husband and I showing " proof '' of Identity theft. They continue to harass us daily, demanding money for this debt. We have proven to them numerous times that it is not his and they keep selling it to other agencies within their own agency. They call us 4 -5 times a day harassing us. My husband works long hours so I am the one answering the phone at home. Most of the time they ask for him but refuse to tell me who they are! A few times they have told me they are Midland Credit, attempting to collect a debt my husband owes. Now that they know I am his wife they are threatening me, saying that they are going to send police over to arrest my husband and I, they are going to have my house and cars taken away from us and that we would be sued! I explained to them that we had already proven to them that the debt was n't my husbands and to please leave us alone and stop harassing us. The " lady " that spoke to me on the phone said, they would leave us alone once when we paid what we owed. I continued to beg them to leave us alone and they continue to call back about 4 -6 times daily and sometimes they call late at night. The caller ID is also showing different numbers and there has been a few times where our own phone number comes up. 
We live in fear of police coming to our door with a debt that he does n't owe. We do n't know where else to turn to make them remove this debt and stop harassing us.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-24 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
school closed while I was attending

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Good Morning, Thank you for creating this tool. XXXX issues with American Express:1 ) American Express with zero notice suspended charging privileges on my SPG credit card last week, claiming " Financial Review. '' With zero late payments, frequent payments ( ex : XXXX in XXXX 2015 ), and zero violations of my card member agreement, I am astonished. I have spent the past week dealing with vendor escalations for my company - AMEX has even denied those recurring charges. ZERO notice given ... What is AMEX 's responsibility to me a perfectly paying single Mom with XXXX XXXX and jobs to create? 

2 ) My assistants have always had a copy of my AMEX card with their names on it as Authorized Users NOT Responsible Parties. The Agent with whom I talked last at AMEX said in past years soc # was not required until Patriot Act. The Credit Bureau Dept at AMEX @ XXXX says they possibly reported my current assistant of over 1 year in error. The new requirement to have someone 's social security number on file is a gov't rule, and in no way should it have been used in her debt to income ratio by any lenders .... yet it was. She was denied a car loan and then her STUDENT LOANS this past. 

Thank you CFPB et al for your help. I have worked hard to follow AMEX 's rules and appreciate any advice you have. Is there a Cardmember Bill of Rights yet?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
I called to cancel my subscription after receiving a monthly bill on my XXXX AMEX statement for {$21.00} charged XXXX/XXXX/16. I placed a block on my account so XXXX XXXX could not charge me anymore. I called again and asked them to cancel my subscription. XXXX XXXX charged me {$130.00} again the next month XXXX/XXXX/16.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-04 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I applied for an American Express Business Credit Card and received it. The card had an introductory interest rate of 0 % for over a year. I got the card to purchase equipment I needed for my business to save on the interest the equipment company was charging. Not even a month later from receiving the card I received a text that my payment was past due a couple of days. I had not received my first bill from them or any other notification that the bill was already due on the card I had just received. I believe the first payment was 4 days late. American Express then raised my interest rate to over 20 % on this brand new card that guaranteed a 0 % interest rate. I have contacted them several times to dispute this and they refuse to honor the interested rate stating that because I was a few days late on my first payment that they can forfeit that offer. I never even received a bill or notice. The interest it costing a small fortune I can not afford to pay right now, hence the only reason I got the card in the first place. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
I have an account with XXXX who still show open with a balance and was send to collection without my knowledge. I want this issue to be fixed immediately. I want the collection to be remove in the time manner. I start received calls from collections agency about the debt that I will not know why in collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Midland Credit decided to mail one of my notices to my future mother-in laws home? I do not understand why they would do this! It was addressed to me, and all she had to do is google the address to see where it is from. I HAVE NEVER LIVED IN THIS ADDRESS!!!!!! I am embarrassed and annoyed with this process.

Company response to consumer: Closed with explanation