vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-18 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I wired {$3000.00} to a brokerage firm 's business account with HSBC. Three weeks passed with multiple inquiries from my bank, HSBC refused to release the funds to the brokerage firm or respond to any inquiries on behalf of my bank or myself or the brokerage firm. On the 4th week, I submitted a request to reverse the wire transaction and retrieve the funds. After 10 days and multiple inquiries from bank, HSBC still did n't respond to any attempts to resolve the issue. Finally, I contacted the FBI field office to inquire about submitting a criminal complaint against HSBC, the FBI asked me to attempt to use a civil action and attempt to contact HSBC in the hopes of the resolving the matter at the lowest possible level. After explaining my attempt to contact law enforcement and the possibility of submitting a criminal complaint, HSBC wire department finally acknowledged the wire transaction and explained the the funds were within the compliance department. HSBC refused to provide any explanation regarding the reason why the funds were being withheld. I asked HSBC to respond to the request by my bank to reverse the wire. I am currently waiting on HSBC to reverse the wire.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
This complaint is about Everhome MortgageOn XXXX XXXX they recieved a check which stated to be applied to principal of {$50000.00}. 
on our home. Instead of doing that they put aprox. {$47000.00}. on it put the rest in escrow and payments ahead.the balance after they received it the balance should have been {$100.00} I asked on XXXX I believe about the XXXX what the payoff was and wired aprox! XXXX. for the payoff I never paid attention to the amort schedule before.after arguing with them they said they would send XXXX back it is now the XXXX of XXXX no check after reviewing the schedule I also noticed they reduced my escrow and charged full interest for that month I am getting nowhere with these people

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
I AM WRITING ABOUT AN UNAUTHORIZED UNSIGNED FOR CHARGE TO MY CREDIT CARD WITH AMERICAN EXPRESS CARD # XXXX, MY NAME IS XXXX XXXX. THE REASON FOR THE COMPLAINT IS I RENTED A CAR FROM XXXX FOR THE TIME PERIOD XXXX FOR A WEEK THROUGH XXXX. I WAS DONE WITH THE CAR A DAY EARLY AND RETURNED IT ON XXXX, A DAY EARLY. WHEN I RETURNED THE CAR A FRIEND WAS THERE TO PICK ME UP, THE CLERK THOROUGHLY INSPECTED THE CAR INSIDE AND OUT, SAT IN THE DRIVERS SEAT AND SPENT A GREAT DEAL OF TIME INSPECTING ALL ELEMENTS OF THE CAR, THE CONDITION, INSIDE AND OUT. 
AFTER ABOUT 10 MINUTES HE SAIDTHE CAR WAS FINE, I WENT INSIDE AND COMPLETED THE FINAL PAPERWORK, THE CLERK WAS VERY AMIABLE AND SATISFIED WITH THE CONDITION OF THE CAR. I CHECKED OUT AND LEFT WITH MY FRIEND. MY FRIEND WITNESSED THE INSPECTION AND CAN CONFIRM WHAT TRANSPIRED. WE LEFT. WHEN I RECIEVED MY CREDIT CARD STATEMENT FOR XXXX IN XXXX, I NOTICED THAT THRIFTY HAD MADE AN ADDITIONAL CHARGE FOR {$250.00} ABOVE THE XXXX ORIGINAL RENTAL FEE. 
AND THERE WAS NO EXPLANATION, THE CHARGE FOR THE {$250.00} WAS DATED XXXX TWO DAYS AFTER THE VEHICLE RETURN. I DID NOT KNOW ABOUT THE CHARGE, WAS NEVER CONTACTED ABOUT THE CHARGE, OR SIGN OR AUTHORIZE FOR THE CHARGE OF AN ADDITIONAL {$250.00}. I NOTIFIED AMERICAN EXPRESS AND TO DATE HAVE ONLY RECIEVED AN OCCAISIONAL EMAIL STATING THAT IT IS STILL BEING INVESTIGATED, I HAVE CONTACTED CUSTOMER SERVICE SEVERAL TIMES AN AM ASSURED THAT THE CHARGE IS BEING INVESTIGATED, BUT THE CHARGE HAS NEVER BEEN REMOVED. I WOULD ASK FOR YOUR ASSISTANCE IN GETTING THIS CHARGE REMOVED, I HAVE NEVER BEEN NOTIFIED BY THRIFTY OF ANY REASON FOR THE CHARGE OR ANY DEFICIENCY, I AM VERY UPSET ABOUT THIS, AS THE CHARE WAS MADE TWO DAYS AFTER THE VEHICLE RETURN, THE CLERK THOROUGHLY INSPECTED THE CAR UPON RETURN, AND AS I RETURNED THE CAR A DAY EARLY IF THERE HAD BEEN A DISCREPANCY OF ANY KIND AND WAS NOTIFIED ABOUT IT I WOULD HAVE HAD A DAY TO CORRECT ANY DEFICIENCY. BUT WAS NEVER NOTIFIED AT ALL OF ANY PROBLEM WITH THE CAR UPON RETURN. SCRATCHING MY HEAD ABOUT THIS AS AM A SENIOR CITIZEN, AM RESPONSIBLE, AND DO NOT SMOKE OR DRINK OR CARRY ON ETC. XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX PH : XXXX EMAIL XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29 00:00:00
Product: Credit card — 
Issue: Other — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I contacted XXXX about a couple months ago and they did remove this time barred debt from XXXX credit bureau BUT NOT XXXX that has more than exceeded the time statute to collect at best this questionable debt of {$16000.00}. XXXX did remove this debt from experience and XXXX XXXX however it still remains on my XXXX XXXX XXXX XXXX credit report And needs to be removed immediately or I will have no choice but to pursue legal remedies since this debt at best is questionable and is time barred and has well exceeded the statue limitations

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Credit Management ( MCM ) is attempting to collect a debt with a misrepresented amount. This is in violation of the Fair Debt Collection Practices Act ( FDCPA ). MCM is also reporting inaccurate information on my credit reports which is in violation of the Fair Credit Reporting Act ( FCRA ). 

I have contacted MCM through the XXXX ( XXXX ) in an attempt to resolve this matter. MCM stated in the XXXX complaint, complaint ID XXXX, that they would stop reporting this account to the credit reporting agencies until additional information is acquired. Their exact words are : " While Midland Credit has acted appropriately and according to applicable law, it will inquire with the seller for additional information and documentation for the account. Once Midland Credit obtains the requested information, a response will be forwarded to XXXX XXXX through your office. The account will not be furnished to the XXXX major credit reporting agencies until Midland Credit is able to provide XXXX XXXX with further information. '' MCM has not provided this additional information to either the XXXX or myself and is still reporting the account to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I received a payday loan of {$300.00}. They started deducting {$60.00} per week from my bank account. After about 8-10 weeks they were still deducting the amount only it was now {$95.00} a week. I had direct deposit that I did n't want to stop but I had no choice but to close the account. After some time someone from an agency contacted me & my employer threatening arrest so my employer wrote a check for over {$1400.00} for the loan & " fees '' to this agency. 
I thought that was the end of it. In the past month, people from another agency " Midland Credit '' have harassed me and my daughter, sister & friend threatening me yet again. By this time, I had unfortunately suffered an accident which resulted in becoming an XXXX. The man who called " XXXX XXXX '' called me names and said that my daughter told him my situation. He said he did n't care who I was or what I suffered from but that I had to pay this debt. He switched me to " XXXX '' who proceeded to berate me and call me a criminal. I am at my wits end and want this harassment to stop. Who knows how many people they do this to a day? I asked for them to send me the paperwork and the " 10 day notice to appear '' and they refuse. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am being charged interests on balances that I already paid in full. The company ( American Express ) failed to explain how they calculated these balances and I was told that the representative was not at liberty to discuss how they calculated those balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
My mortgage lender HSBC Beneficial is charging me 11.29 % interest rate and refuses to work with me to lower the rate. Even though I qualify for a 3.75 % mortgage from a HUD approved lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 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: NY

Complaint narrative:
Apparently, at some time in the past I ordered an item and it was shipped to me using XXXX. A month or so ago, I received notice that XXXX was not paid by the shipper, and if further collections efforts by XXXX did not result in a payment from that shipper, they would come after me. I had never heard of something so absurd, it 's like a meat supplier not being paid by a restaurant, so the supplier waits outside the restaurant and when you finish your steak they jump you by your car ... 

Anyway, as you can likely predict, the company never paid XXXX and now they are coming after me,. I ca n't find the original collection notice so I do n't even know who the shipper was, and XXXX has no interest in telling me. They are increasingly rude and belligerent toward me, and want to hear nothing but my credit card info, which they wo n't get. I know I paid for the shipping since I have the item, but I ca n't prove it because I do n't even know what specific item we are even talking about. It 's circular dislogic at its worst and the only company with all of the data is n't interested in helping, only harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-09 00:00:00
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XXXX XXXX I call XXXX XXXX XXXX and gave my name and insurance name, office person gave me an appointment for XXXX with XXXX.I was given a XXXX minute examination and a referral to another eye Dr., because XXXX claim I had XXXX. I went to the receptionist and she then handed me some paper 's with a different insurance name and she then inform me that they did not accept my insurance.I told her that, there has to be some mistake because I had waited one year and one month to be cover by my insurance and in order to be able to go home and call my insurance of this mistake I paid the bill of {$220.00}. Before I call my insurance I call the XXXX and told them that I had been refer to them by XXXX.I gave them my name and insurance name and they immediately told me that they did not accept my insurance. When I call my insurance and ask why had I been refuse, they then inform me that I went to a Dr. that was not cover by my insurance, and at the time of appointment receptionist should have told me this. I have been trying to resolve this problem for almost one year.American Express have open this dispute XXXX times and each time they claim that they will investigate, after all their so call investigation 's they sided with XXXX XXXX XXXX who XXXX XXXX is with, because they claim that I knew That I was out of NETWORK, when I went to them. My husband went to pick up my prescription 19 days later that they did not give me at the time of visit. I went to my medical Doctor to ask for a referral for eye examination. The Doctor fitted me with glasses and told me I do not have cataract 's. My husband wrote a direct letter to XXXX XXXX, which resulted 8 month 's from day of service, of her sending me on XXXX XXXX '' A Courtesy Discount '' check of XXXX XXXX dollar's.I do not believe that American Express stood by me and " Let Right Be Done, '' as XXXX, '' First Do No Harm '' I have paid American Express {$100.00} and I have a balance of {$120.00} plus interest of {$27.00}, that I feel that I do not owe. I do not intend to be like '' XXXX, I WILL FIGHT NO MORE FOREVER, '' as I WILL.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-29 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Attempting to collect a debt that I do not owe. Threatening with legal action by representing themselves as process servers trying to serve me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Collection agency reporting {$2900.00} as Open Account, & under collection accts ( XXXX ) times on credit report along with Original debtor XXXX also reporting, {$1900.00} as charge off. This is reported XXXX on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
American Express offered a XXXX card and required {$2000.00} spend in the first 3 months to receive XXXX bonus points. This bonus reward was confirmed by an associate and during that chat I specifically asked how much needs to be spent to receive the bonus points. He gave me a number and I spent enough to get the bonus. I waited for an extended period of time but no bonus was credited. When I contacted customer service they said {$3000.00} was required and I am not entitled to the bonus. I described the conversation with the first associate and they reviewed the transcript but no action was taken. I contacted customer service 3 more times but they only respond by saying it still being escalated. All this after the 2nd associate said it would be resolved within one week. Here we are 2 months later and it is still being investigated. I do not believe anything is being done internally and I am looking for outside assistance to persuade them to honor their commitment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: GA

Complaint narrative:
this company did a hard click on my credit with out my permission i applied for refinance with XXXX XXXX and the got my info from them and checked my credit without my knowledge or approval

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
I having been trading on eBay and using PayPal as my payment method. My complaint is against PayPal. In the past month, I 've had a number of transaction cancellations and returns for refund. PayPal has deemed this high risk behavior and frozen my account which has a balance of {$19000.00}. I am not permitted to move that money, my own cash, anywhere. I ca n't send or receive money and most significantly can not move the cash to my linked checking to pay other bills or buy groceries. They will not tell me what if anything I can do to fix this. I have had an account with them for 14 years with no problems. I even told them to cancel my account permanently, just give me my own moony. Even now, I 've broken none of their policies nor any laws. This is a subjective directive that 's come down from " executive escalations. '' They state that they empower themselves to be able to do this. I 'm not indebted to them or anyone I 've traded with so I want to get my money out of that system.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: MOHELA
State: TX

Complaint narrative:
I am a victim of identity theft. I have disputed this account multiple times and requested verification of debt but this company refuses to respond with any information regarding this account. This account does not belong to me and I want it deleted immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX XXXX and XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA

Complaint narrative:
I had a second mortgage with HSBC. I made payments of {$220.00} per month on time. I then received a check returned by them saying my account was closed. About a year later I received a collection notice from XXXX XXXX a collection service. for {$29000.00}. 
I thought I was finished paying until I received this letter. I am on social security and can not afford this, especially sice I thought this loan was finished and behind me. I seriously need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
American Express XXXX preferred credit card offered me a promotional offer of {$150.00} statement credit on {$1000.00} in purchases posted in XXXX months. Also 6 % on supermarkets, 3 % on Gasoline, and 1 % on all other purchases. No where in that promo offer did it mention a {$75.00} annual fee. I even talked to a customer service rep when activating the card and specially asked if there was any hidden charges. She said NO. When my statement showed up with a {$75.00} annual fee I called customer service to complain. Long story but I eventually contacted the supervisor. I asked him when I was told about the annual fee. He actually said " after you applied for your card '' I told him if he did n't wave the annual fee I would cancel the card. That 's when I was threatened with the bad credit report threat. I asked if there was any way to cancel the card without hburting my credit : He said no. I was notified of the annual fee after I submitted that application. What kind of high handed business tactic was that. Please inform me of a way I can cancel my card after paying off the balances. I guess it would be smart to at least take the {$150.00} bucks offer before I cancel. Please let me know how to handle this. I have excellent credit and I dont want to take a hit on this. Real XXXX business I think.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
Good morning, I bought my car in 2011. We pay XXXX dollars in cash. 
Registration When I had no knowledge that the words ' 'one lien Recorded ' meant I owed money to the bank. My XXXX is not good now, and at that time was worse. 
I sold my car XXXX days ago as litter, they paid me {$250.00}, and the person handling the crane said I owed money to the bank. The data take my license, and I explained that I had to communicate with the bank. Try every possible way and I could never reach anyone. For this reason it is that I present this complaint and let me know what else I can do. I not owe money and I would like to clean that my recod. I would like to add that I never received any letter from the bank in XXXX years. Thanks and could please answer in XXXX? I would greatly appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CO

Complaint narrative:
Release of Deed of Trust for Beneficial Mortgage Co Colorado Record Date XXXX/XXXX/XXXX Document Type Deed of Trust XXXX XXXX, Colorado XXXX XXXX Request for Release of Deed Of Trust. 
This Deed of Trust has not been released per my conversation with XXXX at XXXX XXXX Colorado XXXX and Recorder XXXX XXXX, XXXX. 

A phone call placed to Customer Resolution Department at HSBC Beneficial Representative XXXX was responded to with how did you get this number which I explained from a letter when I attempted to explain the problem she informed me they had addressed the issue of my previous complaint. 

I also sent a letter and a copy of the XXXX XXXX XXXX Verified Report by Certified Return Receipt have received the Receipt it has been received in their office and still I have no resolution to the Release of Deed of Trust for " Recorded Deed of Trust : Reception No : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
The collection company did not send verification of debt and right to dispute. The address information they had on file was incorrect. Other collection agencies have deleted their accounts due to this ( attached is an example ), but this company does not want to abide by the federal laws. I have made several attempts to communicate this to them, but have been unsuccessful in receiving a requested call back in over 30 days now.

Company response to consumer: Closed with explanation