vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-13 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AR

Complaint narrative:
Over the years I 've received collections calls from a " collections agency '' collecting debt for HSBC XXXX credit card. I was a college student in XX/XX/XXXX when that card was received. I do n't believe i ever used the card, if i did, I paid it off and if i owed them they should have taken action nearly 20 years ago. Before I became internet savvy, I 've fallen for what I think now is a scam maybe twice before and ended up sending these people money I really did n't think i owed. It was probably over 10 years ago since I sent them {$200.00} dollars at least. Now they are back for more money. They called leaving a threatening message that my mom picked up. She 's XXXX y/o and was frantic and upset after she called the number back to people threatening to lock me up. I am in Arkansas but there is someone in OK threatening to push a summons through if I do n't cooperate. I believe this is a scam and do n't want to be burden now or later from a company who ca n't provide me any written documentation on what I owe, if i even do at all. The number they called me from is XXXX " Detective XXXX '' he says he 's from some county courthouse not even in the state where I reside.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: HI

Complaint narrative:
I Opened a new platinum card with American express as I was invited with a XXXX point signup bonus, requiring the annual fee to be paid immediately. I met all the terms of the signup bonus and was credited XXXX points. I spend XXXX a year on my amex everyday card, and found that i prefer the benefits and rewards of my everyday card, so i decided to close the platinum card before fee renewal as I do not travel much. I find out XXXX amex decided to claw back all my XXXX points, despite there being no clause or mention in the agreement that account closure before renewal will forfeit those points. I still have a rewards account tied to my amex everyday preferred card. Please help with this unfair and deceptive practice!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 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: IL

Complaint narrative:
VIOLATED FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
I have an online bank account with HSBC. My ATM cards have been deactivated. 
I called customer service and they informed me I needed to re-apply for an ATM card ( this is for a savings account! ) because they are now using chip cards. After twenty minutes confirming my information, they said a new ATM card would be mailed to me. I have had no access to my accounts during this time. I was told I could go to an HSBC branch and could access my accounts while waiting for new ATM cards. After 10 days, I attempted to go to the a physical branch. I was told that I can not access my accounts at the branch, only online. I ask if they could issue me temporary ATM cards, or help me in any way. I was told everything must be done through customer service via their phone number ( which is NOT is the US ) or online. When you try to address issues online, you are again told to call customer service. 
It has now been over two weeks and I have no access to my accounts and have not received my cards, and have been told by customer service to " keep waiting ''. I am very frustrated that an account that purports to be HSBC has no means to address customer issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XX/XX/XXXX I started receiving debt collection notices regarding cell phone bills in my name. After I looked into it I found out someone was using my personal information to get phone service in my name. I contacted the phone companies and they agreed I was not responsible for the debt. 
XX/XX/XXXX I started getting calls from debt collection agencies trying to collect the debt I was not responsible for. I asked these debt collectors to send me a debt validation letter, they never did. I disconnected my home-line due to all the collection calls I was getting but they still call my cell number sometimes several times a day. The most aggressive debt collectors that contacted me are Midland Credit Management, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX. 
After more than 4 years of this abuse from debt collectors I want to file a complaint and hopefully put a stop to it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-24 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland Financial shows on my credit report that I owe XXXX {$1300.00} as of XXXX/XXXX/12. Per the Federal Trade Commission Fair Debt Collection Practices Act Section 809 Validation of Debts that the Consumer should be notified within 30 days of any debt. I am unaware of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I have applied and approved for the American express credit card on XXXX XXXX with an offer of XXXX membership points once spend {$3000.00} in 90 days. 
By XXXX XXXX, I was able to spend the required amount of {$3000.00} and received the conformation email from American express saying I 'm qualified for the XXXX membership bonus points. I was continued to use the Amex Platinum credit card and spent {$4400.00} in 90 days including the annual fee. According to the card benefits I received {$200.00} airline credits for my travel expenditure during 90 days. I had to cancel one of my hotel reservation and return some merchandise totaling {$210.00}. Buy removing annual fee, airline credit and refunds I have spend {$3600.00} within 90 days. ( see the attachment ) During this period I received XXXX points for my qualified expenditure. ( XXXX bonus points and XXXX points for the expenditures ) Then on XXXX XXXX, after the period for earning under the bonus was over, Amex removed XXXX points from my account without any notification. I contacted Amex on XXXX XXXX and open a case about the matter and then contacted them again on XXXX. Then the customer representative told me I loose the XXXX point bonus because of the return merchandise. As she mentioned after the refunds total expenditure should lower than {$3000.00} to remove the bonus from the account and she could n't find anything wrong in my expenses. As I explained above I have spent well over required amount within first 90 days even after airline credits and refunds. So this explanation is not make any scene to me. Amex in only taking away the XXXX bonus, and left XXXX points in my account, which supports the assessment that Amex recognized the {$3700.00} spending during 90 days. ( as I only got XXXX points for each dollar spent ) Amex is trying to avoid paying the bonus that they incentivized when they accepted the application for the card from the individual -- speculation that due to Amex 's dire recent cost control methods in the news, AND clear indications from recent CFPB filings that Amex is trying to get out of paying bonuses to many consumers, they are aggressively trying to shirk their contractual obligations. 

I can send all the statements and prove I spent well over {$3000.00} within first XXXX after activating the card. Otherwise show me how much I had to spend to get the bonus ( how much I short ). I need the XXXX back in my account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
I got a letter from Transworld Systems Inc. XXXX XXXX XXXX XXXX XXXX XXXX , DE XXXX They said they are collecting a debt of {$710.00} and if I do n't pay it they ill report it to Credit Bureaus. They did n't tell me what the debt is from. When I called the number on the bill it went to voice mail. I 'm not sure if this is a legitimate company. I googled the name of the company and found another number to contact them. Gave them the reference number on the letter representative wanted my social security number, which I refused to give it to him. He said he ca n't help me if I do n't give it to him. I said I do n't know if this is a legit company. He transferred me, the next person verified my social and said they will send a more detailed report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
In XX/XX/XXXX my wife and I received a home equality loan from HFC\Beneficial Finance for {$20000.00}. We signed did sign the contract to be paid at an 8 %. The agent took it to the back to make a copy to which he fold and put it in an envelope. Thinking this is a reputable company we did n't think to open the contract and look again. We made the payments every month up until XX/XX/XXXX when I inquired to the new company XXXX to why I am still getting a bill. That when I found out that the agent had changed the contract by putting a XXXX in front of the XXXX making it 18 %. I would 've never signed an 18 % contract. This was not typed it is in pen. We had already paid over {$26000.00} and they 're claiming we still owe over {$16000.00} making the pay back over {$43000.00}. Since then I have moved and ca n't find my copy of the document. But I feel I have fulfilled my commitment to this loan and more, and I do not owe anything else. I 'm a XXXX and this is hindering my security clearance investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: GVA Holdings, LLC
State: CA

Complaint narrative:
Green lineloans the Lender has been paid back XXXX to date on a XXXX dollar loan. After consulting with my attorney I found out they are not licensed to do business in the state of California and I over paid them XXXX which in the interests of good faith I 'm not asking for a refund. Thy claim I still owe XXXX and change.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
A representative from Trans World Systems, Inc called my house at XXXX and asked for a XXXX XXXX. Caller Id said Toll Free Caller.The telephone number was XXXX. I told him that there is not XXXX XXXX here. I asked him why he was calling my house and he said to get in contact with XXXX XXXX. I asked if he was a debt collector and he refused to answer me. He told me that he ca n't. I hung up and dialed the number on caller ID. That is when I asked the name of the company. I asked him why he was calling my number and where did he get it? He would n't answer my questions. I told him that he can record this, " DO N'T CALL MY HOUSE ANYMORE. '' Then he asked me for the last XXXX of my phone number because he has XXXX numbers on his list ; I think he wanted to record me giving him my number. Obviously, he knew my number because when I asked him if he was a collection agency when I called back and he said he or his company called me looking for XXXX XXXX. Then he asked for my name which I refused to give. First of all, he has no right calling my house about any debt collections because I do n't owe anybody any defaulted debts. And even if I knew the whereabouts of a person, I would not tell them. Collectors answer no questions ; I answer no questions.Let them do their own work.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC
State: NM

Complaint narrative:
I keep receiving calls from Transworld Systems , Inc. claiming that they are attempting to collect a debt. When I called back, they asked for my late husband, and will not tell me to whom the alleged debt is owed. There is no debt owed by my late husband, but even after I said I would file a complaint with the Consumer Financial Protection Bureau, they continue to make daily calls. This must stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA

Complaint narrative:
XXXX offered a insurance plan to insure your debt if you became to sick/lost of job or unable to pay. I was charged a monthly fee for several years. when I became ill and was unable to pay my debt, I applied for the coverage ( 6 times ) they kept saying that they lost the paperwork. A class action law suite was enacted by other members having the same problem. it turns out that they never intended to insure the debts and pocked the money between themselves. " XXXX XXXX & XXXX XXXX v. XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX class action. ( letter enclosed ) You will see that they settled and a cash settlement was awarded to each of us. this debt should have been cleared but it was sold to a third party who calls and sent letters o collection, also they reported this debt to all three credit reporting agencies, causing me to have a lower credit score and denied credit. their name is " XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX phone # XXXX. I have spoken to them on several times and they stated that their boss would not let them look into this matter. what legal action can take to resolve this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-26 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: ID

Complaint narrative:
Refuses to report to the credit bureaus that this debt is paid after they settled with me. Paid off settled amount and now is stating I owe remainder and that the payment is late. Tried multiple times to contact agency and then transfer me and will not talk with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22 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: DE

Complaint narrative:
On XXXX/XXXX/XXXX at appropriately XXXX I contacted a male by the name of XXXX XXXX who had been harassing a friend in regards to a debt they say is from XXXX. XXXX XXXX of XXXX XXXX and XXXX stated that XXXX XXXX brought this debt from HSBC. He went on to say that they will be serving me papers for court to sue me and if I did not pay they would be garnishing my checks or seizing my bank account unless settled before court. I informed him I do n't recall this debt and how am I sure its mine he presented me with information he had and stated that its clearly is mine. I told him I am not sure of this debt. He went on to say that they will be serving me next week at my home or come to my job. On XXXX/XXXX/XXXX I called the number that he left. A gentlemen answered I asked who was I speaking to he stated XXXX XXXX I asked what is the name of this company he stated XXXX XXXX XXXX. I then asked for the address of the company in which he refused to give me unless I provided him with docket number. I feel as though this is a violation I not sure if one needs to give there docket number in order to receive the address of their business which should be public information. Please look into this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
I would like to file a complaint against HSBC and XXXX XXXX for discrimination and gross incompetence. I have suffered from a financial hardship from the Great Recession and my spouse 's passing. We have been trying for a mortgage modification since XX/XX/2009 and have received unfair treatment, have been given misleading, conflicting and confusing information. This has been a prolonged loss mitigation review process in which the same documentation was repeatedly requested by the servicer. I have been told by our case manager XXXX XXXX that the loan has been transferred several times, when asked for details he could not/would not elaborate. 
We have been denied a loan modification XXXX times, each time for a different reason ( please see notes in my file ), the last denial being that XXXX XXXX does n't participate in any kind of loan modification program. Since 2009 we have applied for a loan modification, I was given the application that clearly stated loan modification, my case manager had said all along that we were applying for a loan modification, and now I am being told that XXXX does n't participate. ( Please review all of my case notes and any recorded conversations that you have ) and you will see the misleading information that I was given. 
I have XXXX young children, I want to stay in my house, I have no place else to go, my case manager had said several times that I would qualify for a 2 % mortgage with a XXXX year amortization schedule and a principal reduction to help reduce my financial stress. 
After XXXX of my denials I was told by my case manager that I was denied because I am a single mother with XXXX children and no job, I am offended by these comments and feel that I am being discriminated against because of my gender. 
Please give this your immediate attention and contact my brother-in-law that is helping me with my financial affairs ( XXXX XXXX, XXXX ). You have my permission to speak to him on my behalf, I have previously written a letter to the servicer on this ( you will see letter in my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I received a letter from a Collection agency, TRANSWORLD SYSTEMS INC., on XX/XX/XXXX for a bill of {$19.00}. When I called the credit agency I was not given any information as to how to contact XXXX who sent this bill to a collection agency. Apprarantly it is for rental of my XXXX equipment for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. My complaint is that I have never received a bill from XXXX for this bill yet they forwarded it to a collection agency. If they could give my address to the credit agency they could have contacted me at some point during all these months. If they tried to mail me the bill I have never received XXXX. I always pay my bills so I resent them ruininng my good credit because they failed to send me a bill. Apparently this is the difference in what my insurance company at the time XXXX did not pay. Had I been sent a bill I would have promptly paid it. If you check my credit you will see I have paid much larger bills than this XXXX and always paid on time. I will pay the bill but I would like for XXXX to be aware of my complaint and if they say they have tried to send my a bill I would like to see proof of that. I would appreciate any help you can give me in this matter, I am sure I am not the only person this has happenned to. 
Sincere XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: DE

Complaint narrative:
I have a complaint opened, XXXX. I can not update this one so I am submitting another. 

I just got my statement from HSBC. My payment, with ESCROW is XXXX. I submitted a payment of {$1000.00}. They posted a double payment with interest and ESCROW, then extra principle. All extra monies should be applied to PRINCIPLE. HSBC keeps doing this and it is like fighting a brick wall. They produced multiple statements with different balances for the month of XXXX. They are making this very difficult. I do not know if they just do n't know what their doing or they are doing it on purpose to wear me down. 

I am sick and tired of this and would like cfpa to take a harsher stand for me. It has been going on since XXXX of 2016 since the complaint and the ESCROW misdirect has been going on for years that I have been fighting with them. 

I have attached statements, getting 2-3 a month over last 2 months. Different numbers that do not make sense. The most current is a blatant incorrect posting of my extra payment. Also, instead of show 2 entries

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I made a on line purchase on a gaming website called XXXX you buy video games. How ever I purchased a game as a gift for my nephew called XXXX. due to the game being new his laptop did n't meet the requirements. This purchase was made on XX/XX/XXXX. So I went in on my account and requested a refund, which the web site stated I had 14 days to do so. I requested this refund on the 10th day. I let a eek go buy waiting for my refund and I did n't hear anything, I called my bank which I have my jobs direct deposit going into. I 've been with American Express bank since XX/XX/XXXX. I do n't get any help with regards t refunds with this account. this has happened to me several times. The replied to me by email requesting documentation on this transition. I sent them email screen shots of the purchase and ell as a screen shot of the refund request I had to request twice from them. the have denied my claim 3 times and I do n't feel I 'm getting the right judgement. I am going to close this account down due to the fact that I do n't get any help from the dispute department. We never got to play the game and I requested my money back in time so I do n't understand why I ca n't get my refund.

Company response to consumer: Closed with explanation