BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-05
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Credit card
Issue: Delinquent account

Complaint:
In XX/XX/XXXX I opened a retail line of credit at XXXX XXXX through HSBC Bank. In XX/XX/XXXX, as a result of obtaining a no-docs predatory loan which, and after being downsized at work, I could no longer afford and could not refinance due to the housing " bubble burst '', I was unable to fulfill my previous financial obligations to HSBC Bank, among others. I voluntarily had my home and car repossessed. In XX/XX/XXXX I moved XXXX for a new job. At no point after XX/XX/XXXX did I have any activity on any of my accounts, which was XXXX years ago last month, yet the derogatory report remains on both my XXXX and XXXX credit reports, longer than the XXXX years allowed by law. This account is too old to be listed and needs to be aged off. I have contacted the credit reporting agencies and they say HSBC has confirmed the debt is still valid and " meets FCRA requirements. '' This is incorrect. HSBC is in violation of The U.S. Fair Credit Reporting Act on this matter in regards to the age of this debt. There exists no evidence of activity on this account after XX/XX/XXXX. If HSBC can not provide this evidence, and I know they can not, they need to correct this with the credit reporting agencies immediately. 

Please note that this account has already been found to not meet FCRA requirements by XXXX credit reporting agency. The collection agency which HSBC sold this debt to, XXXX XXXX, has also been found to not meet FCRA requirements by all XXXX credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
HSBC closed checking account without any reason and refused to issue the bonus for account opening. From my side I made everything to fulfill the offer requirements ( funded the account in right time and amount, connected direct deposit ) Also I have sent requested documents, multiple emails and made a lot of calls to HSBC ). 
Whole story : In XXXX, XXXX I opened HSBC XXXX account.It was opened with the following offer " Open an HSBC XXXX relationship with a balance of {$10000.00} or more in new funds and receive a {$350.00} bonus ''. I funded the account with {$10000.00}, later I set up a direct deposit to it. Everything was fine. Sometime in XXXX, XXXX I received voicemails from HSBC and a mail which indicated that HSBC need some documents from me and that account could be closed if I do not provide the information. First, I was surprised why HSBC opened and let me fund account if HSBC does n't have required information. After calling HSBC I had an email from HSBC with a documents request. It was on XXXX XXXX, XXXX. I replied the same day and requested documents were attached. I have never got any kind of confirmation or reply. I sent multiple emails asking for confirmation to that person and to XXXX '. I have never got a response.Sometime later the account was closed and I received a check. I called Customer Service to figure out what is going on. They opened a complaint for me. ). I called HSBC Customer Service multiple times but they said that they are unable to resolve this issue and that I do need to contact executive office. I contacted HSBC executive office and you were unable to explain why no one acknowledged receipt of requested information. You also mentioned that " The Bank also has the right to close your account at any time for any reason or no reason. '' On XXXX/XXXX/XXXX I 've contacted HSBC executive office asking for the above mentioned {$350.00} bonus. As per HSBC response " To clarify, the checking account application was never approved. '' My concern is how HSBC allowed me to fund HSBC Checking account if it was never approved. The transactions to HSBC Checking account ( all accepted ) : XXXX/XXXX/XXXX XXXX ( Direct deposit ) XXXX/XXXX/XXXX XXXX ( Direct deposit ) XXXX/XXXX/XXXX XXXX ( Direct deposit ) XXXX/XXXX/XXXX XXXX ( Direct deposit ) XXXX/XXXX/XXXX XXXX ( Initial deposit ) From my side I made everything to fulfill the offer requirements ( funded the account in right time and amount, connected direct deposit ) Also I have sent requested documents, multiple emails and made a lot of calls to HSBC ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Sent a complaint through the CFPB regarding A D Astra Recovery Service. T he company stated in their response. That the first dispute that I sent out the collections accounts were removed. Upon pulling my credit report  XXXX . I found that to be incorrect. The Account is still showing on my  XXXX  report. The company has responded with false and incorrect information. The company also stated that they have a current bond in Texas. Upon looking a t the Secretary of Sate for Texas the company is NOT Bonded in Texas and can not le gally collect debt. Please remove from my credit report and confirm that debt is not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15
Company: First Federal Credit Control, Inc.
State: LA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have paid this debt before I moved to Louisiana and yet they still continue to try to collect monthly on this account. This debt was not verified, and is currently in dispute with the credit agencies again for verification. It was removed from ALL my credit reports except for XXXX. Please see if this company will remove this trade line since it was not valid. 
I will paste their information. 
Collection Agency : First Federal Credit Control. 
Address : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Account XXXX Original Creditor : XXXXXXXXAddress Identification Number : XXXXStatus : Collection account. {$230.00} past due as of XX/XX/XXXX. 


Date Opened:XXXXXX/XX/XXXXDate of Status:XXXXXX/XX/XXXXReported Since:XXXXXX/XX/XXXXLast Reported Date:XXXXXX/XX/XXXXType : CollectionTerms:XXXX MonthsMonthly Payment : $ 0Responsibility : IndividualCredit Limit : $ XXXXHigh Balance : N/ARecent Balance : $ XXXXRecent Payment : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
These people just popped up on my XXXX report on XXXX, I do n't know who they are I only had XXXX collections on my report XXXX for a XXXX and XXXX for XXXX, I just got a letter the end of XXXX that the XXXX was not mine and they will be removing this soon, this is a fraudulent collection, XXXX contacted me in XX/XX/XXXX and said my credit had been compromised and offered me free credit monitoring I did not take it at the time because I did n't think I needed it because I had started straightening out my credit, now these people pop up out of nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was in the process of trying to do a short sale on this property at XXXX XXXX XXXX XXXX, Massachusetts XXXX. I was promised {$5500.00} dollars to relocate. This process never took place. I continued to live on the property. Then all of a sudden I got a notification that the property was going up for an auction sale on XXXX XXXX, 2015. I never received a foreclosure from household finance corporation ll/hsbc.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: Westlake Services, LLC
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Bought a car in XXXX 2015 and financing was accepted and processed by Westlake Financial Services in California. After 4 months I found out that the account has not been presented to any of the credit bureaus. I inquired with the company as to why my account has not been reported and was told there is a discrepancy with my social security number and name and that the company was unable to report the account. I have other accounts that are being reported to the credit bureaus with no problems or discrepancies and simply want this account reported properly. The dealership has sent the company copies numerous times of my ID 's to include my drivers license, social security card as well as military ID, the paperwork submitted by the dealership was typed. I have not been notified of such discrepancy and the company has refused to discuss the details of the supposed discrepancy. The company supervisors have hung up on me, placed me on hold for over 45 minutes then disconnected me and no one will answer any questions regarding this problem. I simply want it reported to the credit bureaus as it should be.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02
Company: LD Holdings Group, LLC
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
During a kitchen remodel of my home which I purchased in 2000 a slow leak was discovered. The insurance adjuster came and saw the damage and submitted a check for XXXX. The mortgage company said they would apply that to my monthly payment and I was to use my regular monthly payment for materials and to pay the contractor. They did not uphold their end and my mortgage was delinquent. Later m they tried placing me in a loan modification program. It was back and forth with a document missing or lost in a fax stack, so the process had to start again. This continued for XXXX more times, until my home was auctioned without me having ant prior notice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01
Company: Supreme Lending
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
XXXX XXXX OUR LOAN OFFICER MOVED FROM ONE TRUST HOME LOANS IN XXXX TN TO SUPREME LENDING IN XXXX TN AND TOOK OUR LOAN WITH HER BUT DID NOT LET US KNOW SHE WAS SWITCHING COMPANIES. SHE DID NOT HAVE OUR CONCENT TO TAKE OUR LOAN WITH HER. SHE HAS BEEN UNPROFESSIONAL AND UNETICAL WITH NUMEROUS THINGS. SHE HAS GIVEN PERSONAL INFORMATION TO THE PREVIOUS RENTER OF THE HOME THAT HE COULD ONLY KNOW HAD SHE TOLD HIM. SHE HAS LIED TO US TELLING US THE HOME WOULD CLOSE IN 2 WEEKS FROM XXXX XXXX BUT AS OF TODAY XXXX XXXX, 2015 IT HAS NOT CLOSED. THE REASON FOR THAT SHE HAD TO START OVER WITH OUR LOAN BUT SHE TOLD US IT WAS JUST TRANSFERING. WE HAVE HAD LIE AFTER LIE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-09-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
On XX/XX/2015, I had a lien placed on my saving account. I receive federal student loans and the Post XX/XX/XXXX G.I. Bill benefits. I was told that my account was under review. I called on XX/XX/2015 and I was told that they could not release the hold unless I had the company release the funds. I told the company that they could not do this. I told them that my account receives only electronic, exempt, Federal direct deposits of Veterans Affairs Benefits and student loans. Three or four times before, their lawyer actually dismissed some liens the same reason.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-06
Company: RIA FINANCIAL
State: GA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
My friend attempted to send a money transfer through XXXX. I went to pick up the transfer and was told he had to contact a compliance number in reference to the transfer. My friend was told that I had gotten too many transfers and they were unable to fulfill the request. He had to pick up the money and the transaction was cancelled. I contacted XXXX and they told me they were unable to provide me with any information about the matter as they were limited. They offered no assistance and would not even state how many transfers it showed for me. I asked for a supervisor and she told me the same thing as the agent. My issue is : I have not gotten any wire transfers through this service. There were XXXX sent this year for me and I was unable to accept either XXXX due to XXXX denying me the ability to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19
Company: Paypal Holdings, Inc
State: IL
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, my PayPal account was hacked twice, for {$60.00} and {$200.00}. Not only did I and do I not know whoever did this, but the email address that hacked me managed to change during the money retrieval process. the The {$60.00} payment went through, but the {$200.00} did not, as I did not have enough money in that particular bank account at that time. After filing a fraudulent transaction report, PayPal said that the payments were not fraudulent, according to their algorithm/the location, and that I just needed to contact the " seller '' ( who I do n't know/does n't exist ). I called PayPal and they told me to contact my bank, and that there was nothing more they could do. The bank reversed the {$60.00} payment and blocked PayPal, but in the meantime, PayPal withdrew the {$200.00} payment out of my PayPal account. I have tried to call, and was told that " people open fake accounts all the time to try to get money from PayPal '' ( never mind that I 've had a PayPal account for over a decade ) and that there was no one I could talk to other than the customer service representative, so as a client, I have zero recourse. I tried sending messages to PayPal, and only received canned automatic responses. During the second aforementioned phone call, I initiated a " repeal '' to no avail, as PayPal will not update the " we will get back to you in 2 business days '' page, so I can not upload the additional identity verification documents that were requested via email. As PayPal has a monopoly of sorts, it 's " understandable '' that they do n't particularly care about their customers, but it 's hard to believe that I have zero recourse to protect myself when sensitive financial matters are concerned.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-24
Company: TRANSWORLD SYSTEMS INC
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I previously filed a complaint because the debt collector was attempting to collect a debt for an item that was disputed and resolved in my favor with my credit card company. The dispute was for services not rendered from XXXX in accordance with the service agreement. The debt collector responded to the complaint on XXXX/XXXX/2016 and stated that the account was closed in their system and that they intended to have no further communication with me regarding the matter. This has not been the case. I received a letter dated XXXX/XXXX/16 attempting to collect a debt referenced in the previous complaint. The letter also stated that they may recommend that the debt be transferred to a team of telephone collectors if not paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I have been an American Express credit card member since XXXX. During XXXX, I received twice promotion offers on the Delta Skymiles credit card via email. On XX/XX/XXXX, I applied the Delta Skymiles credit card and the promotion offer promised ( document attached ) was : {$200.00} statement credit ( one Delta purchase within 3 months ) and XXXX bonus miles ( {$2000.00} purchase on the new card within 3 months ). 

My application on this Delta Skymiles credit card was successfully approved. I met the conditions to active the promotion offer : on XX/XX/XXXX, I made XXXX purchase, flight from XXXX to XXXX XXXX ; purchased over {$2000.00} within the 3 months. However, until now, I dont receive any promotion offer promised. I contacted the agents of American Express customer service twice. They told me that my promotion offer was declined due to multiple factors and a notification pop-up should have appeared during my application. I swear that I never saw any pop-up notification to decline the promotion offer, otherwise I would have not to actively made my purchases to meet the conditions within the first 3 months after opening this credit card. 

I also tried to follow up the specific reason that why the promotion offer was declined, but the agents of American Express can not provide. In addition, neither email nor account inbox message was sent to me to notify the promotion offer declined. I feel cheated that the American Express used my membership information to solicit and promote their product ( the Delta Skymiles credit card ), however not offer the terms as they promoted and promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Other

Complaint:
I have an XXXX XXXX XXXX for long time. I have ordered XXXX additional card to charge for the business expenses so that I can put all the business related expenses onto the card, in XX/XX/2016. I received additional card in mail but did n't activate it. So, I did not use the card at all. There is NO charges made on the additional card. But XXXX XXXX is reporting to Credit Bureaus as I have {$19000.00} balance on it, also as separate account. In my Credit report there are XXXX XXXX accounts listed now ( primary and ad additional card ) each with balance. Due to this error, my debt to credit ratio went up quite a bit that caused my FICO score to come down considerably ( about XXXX points ). I checked my credit report only few days back and realized that XXXX XXXX is reporting erroneous card balance amount. On Behalf of all XXXX XXXX Card holders, I request you, please look into this and take necessary steps to fix the issue. 
Thanks,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS TWO LATE PAYMENTS ON MY XXXX XXXX AUTO LOAN ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had opened Checking and Savings account on XXXX night. I initiated ACH transfer from XXXX XXXX XXXX XXXX account to fund my new accounts. 

Checking Account - XXXX funded with {$25000.00} XXXX Account - XXXX funded with {$25.00} However Very next day Citibank locked my account suspecting some fraudulent activity. Though Citibank locked my account still my ACH transaction to fund new account went through on XXXX. 

Then on XXXX Citibank closed my both account but didn't refund me any balance in my accounts even though 60 days passed. I had to spend hours on Citibank call center without any help. 

Finally I raised case with CFPB ( case number - XXXX ) and Citibank refunded me my Checking Account balance {$25000.00} after 90 days. Also they didn't provide any explanation on, 1. Why Citibank didn't reject fund transfer to locked account? & 2. Why it took Citibank more than 60 days to refund funds from closed account? 

However Citibank still didn't refund me the Savings Account balance- {$25.00}.

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 monetary relief
Consumer complaint received 2016-09-22
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I am currently in the process of settling my credit card debt with multiple creditors through XXXX XXXX. American Express has begun to call my friends and family asking to get in contact with me. I realize this is legal, but American Express has called my sister ( who is not a consigner of American Express ) twice and has disclosed that this regarding past due debt. Given this illegal tactic, XXXX recommended I reach out to you to submit a complaint. I am hoping you can help given they 've called more than once to the same person and disclosed my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26
Company: ENCORE CAPITAL GROUP INC.
State: WA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I called Midland Funding LLC after I noticed a strange issue on my credit report. called XXXX. The representative refused to submit information to me regarding verification of this so called debt. 

I have not had any credit cards for 8 years, that I am aware of, and tried to explain this to the clown on the other end of the phone at midland funding. He acted stupid, treated me as though I was stupid, stated I do this all the time when I call. However, I have never called them till today. 

The representative responded to me with abusive and demeaning comments all during the conversation, as though, I were lying to him regarding my assessment of the account and request for verification. 

These people at Midland Funding are a disgrace to the debt collection industry. 

He then refused to acknowledge I was stilol on the phone by saying I cant hear you ... .you still there ... .Hello .... 

He knew I was still there he just did not want to deal with my law protected request for information. THIS SI A DIRECT VIOLATION OF THE FDCPA GUIDELINES!!!!

Company response to consumer: Closed with non-monetary relief