vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-05 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have American Express Serve card. They give you an unnecessary hard time in disputing transactions, and they have every reason to, because if they give you your money back, whatever percentage the merchant has to pay for using their card, they do n't get paid if they give the money back! 

XX/XX/XXXX, I disputed XXXX charges : XXXX from XXXX, in which I signed up for their hot spot service through their automated system, which did not state the charge is not refundable. They only tell you this after you are charged ; then, they say it is in their terms of service, which was never mentioned in the sign-up process nor do you get a website to go to to read the terms of service. This is fraud, because I am not be given the right to make an informed decision. 

XXXX charged me {$50.00} on XXXX/XXXX/XXXX. 

I made a purchase at XXXX and was charged {$36.00} on XXXX XXXX, XXXX, under XXXX. I returned the product and though the seller has a refund policy, but she will not give me my money back. 

I called Serve in XX/XX/XXXX to put both items in dispute, which was done ; however, the representative did not tell me to expect an email from American Express. As a result, they sent me an email but because I was not expecting them, as the representative did not inform me they were coming, the cases were closed. 

I am currently on hold with Serve trying to re-dispute those charges, and they have the audacity to be telling me essentially too bad : Though WE messed up, you 're not getting your money back. I spoke to XXXX, a supervisor, who is now telling me, 60 days have passed and we ca n't dispute the charges. Both of these charges were disputed in a timely fashion in the beginning. 

Serve XXXX, but they want to penalize me. 

Serve needs to be investigated and fined, because I am sure I am not the only customer they have done this to. 

All these Serve rep 's gave me the same excuses. I have been on the phone for 2 hours trying to resolve this. This is ABUSE and UNACCEPTABLE! Serve is stealing my money, because by keeping my money, they stand to profit! 

- XXXX - Account Specialist - XXXX - Account Protection - XXXX - Customer Service

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-15 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
While reviewing my XXXX credit report ( XXXX/XXXX/2015 ), and, XXXX ( XXXX/XXXX/2015 ), I noticed that an unauthorized and fraudulent inquiries were conducted on my personal file by AMERICAN EXPRESS employees. I did not authorize this inquiries at any time relevant period. This inquiries were as a direct result of ID THEFT, thus, were fraudulent and without my permission and/or consent. American EXPRESS must know that such conducts by it`s employees were in clear violation of my Privacy Right and FCRA.This has continued to adversely affect me obtaining credit ; housing and meaningful employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22 00:00:00
Product: Credit card — 
Issue: Cash advance — 
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
American Express is falsely reporting inaccurate interest calculations and an Inaccurate Average Daily Balance based on Transactions in the period between XXXX XXXX, 2016 - XXXX XXXX, 2016. Please see supporting attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Ftc case # XXXX, XXXX/XXXX/2008 states that reporting of XXXX XXXX ( XXXX ) by third party collections is prohibited. I have sent this documentation and a request for removal per this ruling to Midland Credit Management. They are refusing to remove this trade line after receiving sufficient information supporting the request for removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I noticed this debt for {$860.00} and will like more information on the debt to resolve the problem and remove from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
I made a purchase at amazon dot com and swiftly cancelled it no more than half an hour later. XXXX put a hold on my card for the purchase at {$160.00}. I received a cancellation confirmation from XXXX and a settlement verification code from them after complaining about the standing hold. I contacted American Express Serve on four different occasions in a 20 hour period. Each time I was told something different about the transaction leading to confusion and misguidance. I finally reached a supervisor and supplied her with the verification code from XXXX and she told me the funds MIGHT be released in 8-10 days. I need my money now for bills and food which is why cancelled the order in the first place. The extremely misleading service and the absurd wait time to access my funds is why I am filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-10 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I have a " Promotional Advance Savings '' account at HSBC Bank. HSBC has just announced that they are going to change the statement frequency on this account to quarterly instead of monthly, also implying that they will change the posting of interest accrued to quarterly instead of monthly. This arbitrary and unilateral action is unfair to customers, who depend on receiving their interest postings monthly as originally agreed to when the account was opened. I do n't care if they change the statement frequency for new accounts from this date forward, but I think it is unsat for them to arbitrarily and unilaterally change this important account parameter for existing accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
XX/XX/XXXX Husband got a XXXX XXXX credit card. Account ending XXXX Wife never signed for the XXXX XXXX cardXX/XX/XXXX XXXX XXXX was seized by Federal and They went Bankrupt then XXXX Bank bought their debt. 
never had a credit card from XXXX and XXXX Card did not work after the XX/XX/XXXX XXXX working under XXXX XXXX XXXX XXXX account ending in*XXXXoffered a 40 % off of $ XXXX $ XXXXXX/XX/XXXX paid {$1000.00} then the rest over a 6 month period XX/XX/XXXX paid {$100.00} XXXX paid {$56.00} XXXX paid {$60.00} then called XXXX said owed still owed $ XXXX paid $ XXXX paid {$60.00} then said i owe another $ XXXX paid $ XXXX not ever receive a settlement XXXX closed down tried to contact them all number disconnectedXX/XX/XXXX XXXX sent letter that I owe Current Creditor XXXX XXXX XXXX XXXX # ending XXXX amount {$960.00} Sent a list of payments on the Account ending # XXXX Midland Credit Management, Inc sent a leter they bought XXXX XXXX XXXX XXXX XXXX XXXX account ending in XXXX and they demand payment of $ XXXXXX/XX/XXXX Now Midland put Summons on my wife, which never sign or on the card to begin with! 
This is a never ending story. People not doing their job with final settlements and diffent companies buying bad dept.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: DCI Credit Services, Inc.
State: MN

Complaint narrative:
They called me once asking if XXXX worked here, I told them no. 

They called back a second time and asked if XXXX worked here. I told them no. 

They called back and left a message on the voicemail next, to which I replied in a voicemail that this was a place of business and they needed to contact their customers on their personal lines, not to call anymore. 

They called again today and I let her know I had already asked the calls to cease.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 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: TX

Complaint narrative:
Transworld Systems keeps trying to collect debts for the City of XXXX XXXX on a car that I do not own, I have never been to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01 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 account with the doctors office in full. They mistakenly turned it over to Transworld Systems Inc. Transworld Systems Inc then placed a " Major Deragatory '' on my credit report. I had a arrangement with XXXX and honored it. To make matters worse XXXX misdiagnosed me and almost XXXX me. Thankfully I was rushed to a competent physician and had XXXX with in hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Armor Systems Corporation
State: CA

Complaint narrative:
I am writing regarding several medical bills for which I am not responsible that have been incorrectly and falsely sent to collections by the billing office of XXXX XXXX XXXX in XXXX 2015. The bills submitted to collections by XXXX XXXX 's office total {$160.00}. Despite repeated attempts to have these bills removed from collections, XXXX XXXX 's office has thus far refused to do so. 

XXXX XXXX 's billing office incorrectly states that I visited them on three occasions XX/XX/2015, when in fact I only visited on two occasions : XXXX/XXXX/15 and XXXX/XXXX/15. 

At the time of each of my visits, I paid a {$20.00} co-pay per visit per the requirements of my insurer, XXXX XXXX XXXX, and the requests of XXXX XXXX 's office. The insurer stated on their website and confirmed via phone that {$20.00} was the correct co-pay amount. XXXX XXXX is a XXXX Preferred provider under XXXX policy, clearly documented by a screenshot of XXXX website and my phone conversations with their representatives. 

However, XXXX XXXX 's office inaccurately charged both my husband and I an additional {$40.00} per visit ( including for a third visit that never occurred ) and submitted the difference to collections. 

I have contacted XXXX repeatedly regarding this matter, who confirmed that the correct co-pay amount is {$20.00}. I spoke with several representatives there recently, who confirmed this again and stated that XXXX has contacted XXXX XXXX 's office with the same information. 

I have also contacted XXXX XXXX 's office repeatedly regarding this issue and stated in writing that there was no basis on which to submit this matter to collections, and repeated that assertion recently. Per the attached documentation from the collections company, Armor Systems Corporation, XXXX XXXX 's office has cancelled all claims for my spouse, who had the exact same issue with XXXX XXXX 's billing practices. However, my claim falsely remains in collections. 

Per this documentation, I have asked XXXX XXXX 's office to remove these bills from collections immediately, however they have refused to do so. I have also asked that the office immediately contact the credit reporting agencies - XXXX, XXXX, and XXXX - to have these items removed from both of our credit reports. 

It is troubling that XXXX XXXX 's office failed to exercise any due diligence in obtaining accurate information before submitting these claims to collections, and has still failed to resolve this matter nearly a year later. Clearly, this is evidence of deplorable and irresponsible business practices that harm consumers such as myself.

Company response to consumer: Closed
Consumer complaint received 2015-07-02 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Me and my husband had this XXXX XXXX credit card in 2002. Myhusband made his payments on the card until he loss his job. Theyoffered us an settlement offer of 4 payments. I made all of mypayments on time. The very last payment I made was on time, butthey did n't process it until the next day. So the customer servicerep. to me I was late on my payment, so they was n't going to honorthe offer. I told them I made my payment on time. He said, '' Well we did n't get it on time, so your late and the payment offeris no longer good. '' I also tried to get the information from my bankto use but it has been more than 7 years the bank do n't have theinformation. I do n't owe them anything at all. I made my payments asagreed and they did n't keep there arrangement. The balance is XXXX. 
They put it on my credit as if I never made a payment and so forth. 
Now they have Midland Funding llc reporting there information. Thisdebt is more than 13 years old. They still manage to sell info to Midlandto resubmit it on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Midland Funding removed funds from my account for a debt that does n't belong to me. I recently sent a letter stating that the money that was removed from my account belongs to my elderly father who is XXXX all the money came from is social security check to be used for is living expenses and is final burial expenses. I also explain to Midland that I am the sole caregiver for my father and all the monies removed belongs to him.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04 00:00:00
Product: Credit card — 
Issue: Bankruptcy — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL

Complaint narrative:
Please remove this from my credit report. This was discharged in BK in 2012. However, HSBC continues to report that I have late payments when that ; s not that case.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I filed a report with HSBC in reference to a few fraudulent charges on my checking account on XXXX XXXX 2016. When I spoke to a representative from the fraud investigation department they had stated that I would be receiving a provisional credit while the investigation is going on. I waited after 10 business days and still did not recieve a provisional credit. I contacted the representative that was handling my case and she stated that the provisional credit was denied. I inquired why and she did not provide me with a valid reason and continued stating that I need to take liability for the loss of money in my bank account. I told her that I need the provisional credit to provide me some relief since a large sum of money has been taken out of my account without my permission. She was unsympathetic and continued with her statements that I will have to wait until the whole investigation is over. I stated to her that I am at a loss and I have financial obligations. She stated that she could not issue a provisional credit and I could talk to the supervisor. I spoke to the supervisor and he continued to speak to me in a derogatory manner. I stated that I wanted more information on why my provisional credit was declined. He stated that I needed to be more careful with my debit card and basically put all the blame on me instead of offering me support. I stated if he could authorize a provisional credit since I had pending financial obligations. He continued to state that it was my fault for the fraudulent charges and due to that I need to wait until the whole investigation is completed. I stated that I have followed through with all requirements including filing a police report and mailing the fraud claim form. He stated to me that I will have to file a police report in every state where the fraudulent transactions took place. I stated that I was not informed by the woman who is handling my case that I need to do that. I stated that I want in writing in regards to the policy that HSBC utilizes when handling fraudulent transactions. He did not comply. I told the supervisor that I am deeply unsatisfied with HSBC and would appreciate if I could get provisional credit. He declined my request and continued blaming me that I caused the situation that I am in.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
I have reached out to Midland Credit Management to send me proof this debt is mine. They send a copy of an bill from 2012. They have put a collection on all XXXX credit reports. I asked them to mark my credit reports disputed and they did not do this in 30 days, as I asked. I asked them to investigate. I was turned down for a loan today, due to the collection on my credit report. I was going to file a small claims against this company. I called today at XXXX and asked for their registered agent for Indiana. XXXX said they do not have one. Midland has provided inaccurate information to be put on all XXXX credit reports. This is embarrassing, humiliating and upsetting that I am turned down for a loan with my bank. Midland did not add " Customer has disputed the validity of this item '' on my credit reports with the credit bureaus. I printed all XXXX credit reports and this was not added, like I asked them. I sent them letters, which I have copies of and I have signed certified letter receipts of the letters, showing the dates and signatures.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: WA

Complaint narrative:
I emailed Caliber Home loans on XXXX XXXX asking for a payoff statement as I intend to pay the loan off. 
7 days later, they responded, saying that I needed to provide a date that I wanted payoff through and to provide a fax number. 
I responded immediately on the XXXX, saying please give me payoff through XXXX XXXX and gave them a fax number to fax it to. 
Nothing happened XXXX XXXX, I re-contacted them again via email and asked that the case be escalated to a supervisor as I felt they were deliberately delaying me to continue to collect interest. 
XXXX XXXX, I receive an email stating that that they can only send a payoff for 10, 15, 30 days. My prior response on XXXX XXXX with a request for XXXX XXXX payoff would have been 10 days ... 
I sent several more emails asking for a payoff without response. Each time I asked that they escalate to a supervisor. They never did. 
No response since XXXX XXXX. I filed a complaint yesterday with the Federal Reserve and advised them of the fact. No response.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Although I have been told on multiple occasions that midland credit has no verification of information from XXXX, a contract was signed or any of the validating information, they refuse to remove

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-05 00:00:00
Product: Prepaid card — ID prepaid card
Issue: Fraud or scam — 
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I opened an American Express Bluebird account for my kids and grandkids. With this account you have a choice of adding funds at a XXXX or online. I tried to add fund online and I received a security notice. I called the security number and I was told I need to email them my driver license or stay on the line while they call my bank while I verify my information. I told them no I will not email my driver license to them in XXXX XXXX they said then I ca n't use my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-19 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 called and spoke with debt collection company I told them what i was willing to pay. They would not agree, I said i will look to make an agreement with the next debt collection company then. The manager said ok and the company continues to call me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-24 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Opened an Amex card with XXXX points and verified my eligibility in XXXX 2015. In XXXX and called and they said I did not qualify so opened a complaint. In XXXX the complaint was denied and called to cancel the card and the representative said that is not right to open a new complaint. On XXXX XXXX called on the new complaint and the representative told me I would get the XXXX points in XXXX, so give them the month to resolve. Called on XXXX XXXX and another representative said I did not qualify and ca n't vouch for what the the other employee said even though I had the time and his ID number So I was mislead twice on the same issue

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: PR

Complaint narrative:
I INDEED HAD RECEIVED TOO MANY PHONE CALLS FROM MIDLAND CREDIT MANAGEMENT, INC. AND EVEN OF DEBTS THAT I DO N'T EVEN HAVE. I ASKED FOR A REFUND AS I RECEIVED A LETTER ( CARD ) FROM THEM THOUGH In re Midland XXXX Claims Ad. and I answered to their refund card to request my refund and I never received it. I WANT MY REFUND!

Company response to consumer: Closed with explanation