BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-31
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
On XXXX XXXX 2015 I placed an order for {$17000.00} with XXXX. On XXXX XXXX I discovered a discrepetcy in my invoice and contacted them and attempted to cancel the order. The representative refused to cancel the order. I then immediately contacted American Express to dispute the charge. On XXXX XXXX XXXX XXXX shipped and upon arrival I refused them. American Express took off the charge but applied {$9700.00} to our account for a 35 % restocking fee and for parts XXXX XXXX claims had already been engraved prior to shipping. Futher more XXXX Precisions declared restocking fee is only 10 %. XXXX sent me a letter informing me I had 60 days to take delivery of these parts or they would be destroyed. I have made several attempts to do so as well as my attorney and they refuse to speak to either of us. They are also charging us storage fees on these parts that they refuse to send us. The deadline to take delivery is approaching and the parts I have paid for are to be destroyed. American Express has clearly failed to protect our interests in this matter, we provided them documentation that we attempted to cancel the order within XXXX hours of placing it. We also have filed XXXX disputes and in every case American Express sided with XXXX XXXX despite the fact we have not received any of the merchandise they have forced us to pay for and we are also being forced to pay for fraudulant restocking fees. American Express has an obligation to ensure that their customers purchases are protected from fraudulant companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
We were discharged for bankruptcy in 2012. It shows up on our credit report and its been over 7 years. It needs to be removed after 7 yearsXXXX XXXX hasnt done it. Another credit bureau removed it why not XXXX It makes no sense. They want this to remain on the report for how long.

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 non-monetary relief
Consumer complaint received 2015-05-21
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card
Issue: Late fee

Complaint:
I had being a customer of American express credit card for 11 year with never being late once since XXXX 2015 in which I thought the payment was due on XXXX XXXX 2015, but it was actually due on XXXX XXXX 2015. I was charge for a {$27.00} dollar late fee for which I call customer service to see if they can waive since it was the first time in 11 years that it had happened and I had being always a good customer by paying on time and having my paid on full most of the time. The representative asked to make the payment of the balance which I did immediately and then she declined to waive the late fee. I ask to be escalated to a supervisor and the supervisor also declined waiving the late fee. Most of the credit card companies would give a XXXX time pass for late fee since we are all humans and not computers and anyone can overlook the date of a payment. But American express I guess is in the business of profiting from late fee as well not matter what kind of customer you are. You can be great for 11 years and XXXX slight minor mistake of being late for a payment for 7 days and they do not work with you. That is why I want to submit this complaint so people can see how American express treats its customers

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-23
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Mortgage company XXXX XXXX  has reported me delinquent on 2 separate occasions despite being on Covid forbearance both times. This has severely and negatively affected my credit. Once reported the the me through a long cumbersome process despite it being their fault ( twice ). They also insist that I have to make a lump sum payments on the 2 payments that I misses during forbearance despite informing them that I want the payments added to the end of the loan as the CARES Allows. They refuse to do this. 

I need assistance in dealing with this unresponsive and unhelpful mortgage company.

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 2016-07-13
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I 've submitted several request for loan Modification to HSBC Mortgage Servicer for assistance in reducing the interest rate on my home loan, which is at 8.76 %, which is perhaps the highest in the nation at the current time. All of my loan modifications have been denied. Once I submit a loan modification request, they assign a loan representative, then they unassign then assign a new representative, who is most always difficult to contact. They ask for the same documents over and over, as if the the documents sent to them goes into a black hole. My most recent loan modification that included a request for the removal of a balloon payment, interest rate reduction and forgiveness of all or a portion of the principal, was again denied in XX/XX/XXXX. They did not provide a specific reason for the denial but said that i could appeal. Appeal what? The latest person that I spoke with at HSBC only offered the advise of making the next 6 payments on time? Ok, so what happens after making the payments on time, Is my balloon payment going to be removed? Is my interest rate of 8.76 % going to be reduced to the current marke? Is my principal going to be reduced or forgiven? I have never been able to reach my loan representative! This is an excerpt from the most recent XX/XX/XXXX National Mortgage Settlement, which HSBC Mortgage Servicer have not been in compliance with : " HSBC is also required to complete XXXX in creditable consumer relief directly to borrowers and homeowners by XXXX XXXX in the form of reducing the principal on mortgages for borrowers who are at risk of default, reducing mortgage interest rates, forgiving forbearance and other forms of relief. The relief to homeowners has been underway and will likely provide more than XXXX in direct benefits to borrowers because HSBC will not be permitted to claim credit for every dollar spent on the required consumer relief. '' I am one of those borrowers that HSBC refuse to work with.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid this debt to the creditor who purchased it in XX/XX/XXXX 2015. the judgment is marked satisfied. when I called to tell them they acted like they did n't know what I was talking about. I mailed them the paperwork stating the account has been paid

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-17
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
During the past 11 months, including today XXXX/XXXX/2015 @ XXXX est, XXXX and other phone numbers have called repeatably, sometimes XXXX times in a day, mostly not leaving a message but sometimes leaves a robo-message they are debt collector trying to collect a debt that is not mine. I have talked to a few, addressing I am not the person that is the debtor, nor do they or ever have lived with me and told them to quit calling me. They use the above number after having called from another number trying to collect the same debt. This is a very abusive and harassing attempt from them and I 'm sick of all them calling. I do not owe any old debts that are under 3 years. I also have had a threatening arrest and serve papers message left and saved on my answering machine. I 'm not sure if above number was that call though, but would be willing to play it so you could hear. 
Above number last XXXX calls XXXX XXXX/XXXX/2015 @ XXXX XXXX XXXX/XXXX/2015 @ XXXX XXXX XXXX/XXXX/2015 @ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
his is a request for intervention due to a wrongful foreclosure initiated on the first Tuesday of XXXX 2016 by HSBC Mortgage Services Inc. at the XXXX XXXX court house steps with said property XXXX Georgia XXXX. Previous to this wrongful foreclosure action on the subject property, I was assigned to XXXX XXXX, Housing Counselor with Home Safe Georgia to negotiate a loan modification or principal reduction with HSBC Mortgage Services , Inc. He requested the following information to complete the modification application : Profit and Loss Statement ; Recent 2 Months of Personal Bank Statements ; Tax Transcripts for Personal and Business for XXXX ; During this period, I truly believed that I was under HAMP review and HSBC Mortgage Services never sent me any denial notice for my HAMP prior to the wrongful foreclosure against the subject property. HSBC Mortgage Services Inc. failed to adhere to the Single Point of Contact policy in order to find out the time frame in evaluating a HAMP Loan Modification application. Moreover, I was assured by Home Safe Georgia that they have contacts at many of the banks in order to execute an amenable mortgage workout. I have attached Home Safe Georgia email communication to me for your review. HSBC violated CFPB rules against dual tracking, initiating foreclosure while negotiating a loan modification. 
Sincerely, XXXX XXXX GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29
Company: Servis One, Inc., Titusville, PA Branch
State: OR
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
BSI Financial Services, as purported agent for XXXX solely in its capacity as Separate Trustee of XXXX XXXX XXXX, is attempting a non-judicial foreclosure action with a sale date scheduled for XXXX XXXX, 2016. However, BSI is not the agent for the true owner of the loan. In addition XXXX XXXX XXXX, XXXX XXXX, XXXX and the XXXX XXXX XXXX are not the owners of the loan nor are they agents of the true owner of the loan. This non-judicial foreclosure is being wrongfully attempted by a party that is not being transparent as required by Oregon state non-judicial foreclosure laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-13
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On XXXX XXXX, as an authorized credit card holder, an authorized user to make purchases, with my own card that included my name, I purchased airline gift certificates through XXXX XXXX. When I went to use the gift certificates, XXXX XXXX told me that they were refunded. When I contacted American Express multiple times, I received varying responses from supervisors that the charge was refunded due to fraud, and that I am no longer an authorized user of the account and they could give me no more information. 

My wife, after finding the charges, lied to American Express saying that the charges were fraudulent. Instead of investigating through their fraud department, they acted quickly and reversed the charges even though this was NOT fraud. They also removed me from the account. After explaining several times to American Express associates, XXXX finally told me that they will send an email to the fraud department to investigate again, however I would NEVER know the outcome unless the XXXX XXXX tickets are re-issued- apparently for security reasons? 

Without some proof of " unauthorized use '' ( which is impossible if i was an authorized user and was permitted to use and pay the balance in the past ) i should not be subject to a conviction for unauthorized use under Federal or State laws which include as an element actual, intentional, unauthorized use. This purchase was very important to me because it was the only way I could XXXX. I am stuck couch surfing until this gets rectified. 

XXXX American Express manager was so arrogant to tell me that they " trust '' and listen to the card holder, and if they say it 's fraud, they act as such without investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I send a check like normally to pay my rent and the check was cashed in by someone else instead of the landlord. I had called my landlord and explain what happen and they do n't consider the problem and are charging us XXXX legal fees and late fees. I 've talked to the bank serval times already and they keep telling me the same thing over and over again that the investigation is still undergoing. This process has been over a few months now and nothing has happen about that check or a refund from the bank to pay the landlord for rent.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The mortgage service company refuses to reduce my monthly payments or interest amount due even though I have made extra payments to pay down principal. My outstanding principal on XXXX XXXX, 2005 was approximately {$360000.00}. I made {$25000.00} worth of principal payments on XXXX XXXX, 2005 and another {$1000.00} in principal payments on XXXX XXXX, 2005, but they refuse to recalculate the monthly amount due and have continued to charge interest on the principal amount of {$360000.00}. 

They claim that they will make XXXX only adjustment to monthly payment amounts per year and will require notarized documents in order to do so. Furthermore, if I want to make additional payments against principal, I need to do it before the XXXX of the current month in order to go into effect 45 days later. 

These are ridiculously deceptive practices. If I pay down the principal of my loan, they should not continue to charge me interest on the previous amount. Furthermore, they should not have to make me jump through hoops such as notarized documents in order to pay down a loan, nor should they hold on to my money for 45 days and still charge me interest on the principal. 

I have filed a previous complaint to this effect. The company took 2 months to respond and basically told me they were going to follow the same practices as above. They provided no documentation to support their contention that it 's ok for them to hold onto my money and not reduce my payments. They claimed various " processes '' that take more than 6 weeks to execute, even though over the phone, the customer service person was able to compute a new payment amount in less than 5 minutes using a basic mortgage repayment calculator. 

I would like them to repay the interest on the money they have held onto now since XXXX and allow me to pay down my loan and get the benefit of lower monthly payments, as should be the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I receive telephone calls 3 or 4 times daily. When I pick up the phone, there is no voice only clicking. I do n't know for sure who the caller is. I do not have outstanding debts never has.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-08
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: KY
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Offices of XXXX contacted me via phone and told me I owed money on a credit card I know nothing about. The person I spoke with name is XXXX XXXX and he was very rude and unprofessional in his attempted to collect this supposed debit I owe. I inquired about the card and just tried to understand what was going on but he really did n't want to hear anything I was asking about nor did he send me any documents in the mail prior to or after we spoke to prove I actually owed this debit. I have received and currently am still receive abusive threatening messages from processers saying all sorts of derogatory things. Due to the first message I received stating they would come to my place of work and serve me and the fact that I really did n't want any issues financially I paid XXXX on the spot and was told I could set up a payment plan for the rest of this money I allegedly owed. The payment plan was told to me on the phone and then I was told for it to be valid I would be sent a copy of the payment plan to my email in a few days and would have to sign, authorize and send back to them through email. I had n't received anything in a few days so I called back and left a message saying I never received anything to my email. About a day or XXXX later I got a phone call from XXXX XXXX and he then told me he had sent it again. I checked my email and it was there this time. I never signed it printed the emailed contract and decided to take this to and attorney and see what were my rights when it came to all of this. I also pulled my credit report took that with me as well to the legal offices on post, and this card from Household bank I am allegedly owing is not on there. I then sought out and attorney through the XXXX due to the fact I am currently a XXXX at XXXX XXXX, KY. The first payment was supposed to be made XXXX XXXX according to the emailed contract they sent me but once again never signed and sent it back to them authorizing this but Offices of XXXX took it upon there selves to take that payment anyway. The attorney sent Offices of XXXX a letter, notifying them I now had representation and they were to only contact my lawyer not me directly anymore. Unfortunately they failed to do so braking the law by trying to contact me after the letter was sent also left another threatening fortuitous message, that I also saved. I am in no way opposed to paying this debit if it truly mine but I was not given any proof except XXXX XXXX stating that my social was attached to this card and it means nothing. There is so much fraud and stealing of individuals socials and identity theft I only want to be sure before I pay another persons debit, and by law I have that right. I would like for this to be investigated, my money returned and no longer harassed by this company or its processors. I look forward to hearing from you. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20
Company: Client Services, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I recently, XX/XX/XXXX, had XXXX and was out of work for XXXX months. I could not drive nor do anything that may aggravate my XXXX while it heeled. This is why I fell behind in my finances. However, once I went back to work, my wife and I sought some help from a financial planner. She was able to get us into a situation where we were able to put food on the table and not worry about our finances. That is until the phone calls started from the credit agencies that we could not budget into the finances. We constantly kept asking the financial planner about paying others but she stayed the course and so far we have been able to pay off XXXX credit cards. We are by no means trying to get out of paying our debt. We just have to take small steps to get it all taken care of. 
On XX/XX/XXXX, I received a call at work from XXXX with XXXX XXXX. She is attempting to collect a debt for XXXX. I explained to her that I would have to discuss certain payments and see how we can pay this off. She came back and said normally they expect the full amount but in my case they XXXX make an exception and want XXXX % up front and we can work on the rest. I then had to mention that if I could n't pay the minimum due, how do you expect me to pay XXXX %? She has since contacted my home phone XXXX times to get a response from my discussion with my wife. This is considered harassment in my opinion. However, when you talk to XXXX she will phrase sentences in a way that makes you tell her when a good time to call is and that she was just doing as you instructed. I understand they are collecting a debt and that a lot of people have XXXX excuses. I guess I just blend in with the rest. But, I had worked my XXXX off to get a credit score above XXXX and in XXXX months watch it dwindle to XXXX. Not happy about it but I can probably bounce back as long as I do not get harassed about it. It is embarrassing enough to deal with the problem at hand. I do not need someone to rub it in.

Company response to consumer: Closed with explanation