vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-14 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OR

Complaint narrative:
Have a first and second loan with HSBC. 
( Beneficial Finance ) After we requested payoff amounts on loans. HSBC realized the second had come to term a year ago. Then sent us paperwork to resign the loan at 14 %. 
But on our statements it shows 8 % and has been at 8 % for 13 year. HSBC said " On there computer we are being charged 19.90 % ''. Have been sending payments in. And they send them back. We have sent faxes and called for 10 weeks or more trying to get information on what we really owed. Loan started at {$17000.00}. After paying {$220.00} a month on it for 16 years. HSBC claims there is a balance of {$14000.00}. On the XXXX of this month. It will be 4 months that HSBC has been refusing payments from us. We assume they are stalling at sending us the full payment history for life of loan. 
Also have problem with first loan. 
Loan started at XXXX after paying on loan for 16 years. HSBC gave us a payoff amount of XXXX. Payment breakdown on statement always has money missing, or says it unappliedunapplied. Please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 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: FL

Complaint narrative:
I was a real estate agent with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX during the period XX/XX/XXXX-XX/XX/XXXX. 
When I disassociated myself from the brokerage, my online account had fees assessed to XX/XX/XXXX. However the final bill they send changed the dates to the last date of XXXX/XXXX/2016. I asked that my fees get prorated to the day that I left because I was being asked to pay for a Legal Assistance Program of {$420.00} for a year plus some additional fees. The Legal Assistance Program is a program that protects agents legally if any lawsuits would arise during closing of real estate contracts. 
I asked XXXX if I paid for the program, if I would have access to it. I was told NO because I was no longer affiliated with the company. I then said that I do n't think that I should pay for a program that I will not use or have access to. I was then advised they would send it to collections and it would affect my credit. I sent XXXX a pro-rated check of {$130.00} and XXXX rejected the check and sent it back to me and sent the demand for payment to collections. I have received several collection calls from XXXX. 
I find this more than predatory. It is unconscionable to demand payment for a service I have never used or even have access to if I pay for it. I hope you can investigate and advise accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
Midland funding notified me that through XXXX, that they attempting to sue me for a debt that they dont own and that is past the statue of limitations. They have misrepresented the account with false affidavits and lied to me about it being restarted as far as the clock. They have been unable to verify that they are the owners of the debt, show proof of a card/account statement, how amount was calculated, nor have an agreement. They are reporting and listing the account wrong on my credit report with updating it as late monthly with a high credit amount

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
After transmitting a Certified, Return Receipt " Cease and Desist Contact '' letter to XXXX. ( A debt collection agency - herein " XXXX '' ) on XX/XX/XXXX, I was extremely surprised today, XX/XX/XXXX, nearly four years after said letter was received by XXXX, to have received a call from this same debt collector. The man asked to speak to me by my first and last name, asked to verify my year of birth, and then proceeded to identify himself as being from XXXX and that the purpose of the call was to collect a debt. After confirming that the man was in fact calling from XXXX, I simply disconnected the call, and began filing this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-05 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: CA

Complaint narrative:
Constantly getting calls from HSBC Collections. XXXX for XXXX Credit Card which was paid in full. This account shows on my credit report that it was paid in full and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have over XXXX American Express membership rewards points ( value of over {$1000.00} ) that I have earned and that appear as available on my account to use for travel booking and transfer to travel partner programs. However, American Express will not let me use or transfer any of my points as they advertise. Their website tells me my transfer requests can not be completed and when I called their customer service line to find out why, I was told that although my account is in good standing, it is " under review '' and no points can be used until the review is over. The rep could not tell me why it is under review or what the review consists of, nor could she put me in touch with anyone who could provide more information. She said the review process takes 6-8 weeks, but my account has been under review since XXXX/XXXX/16, which is already almost 12 weeks. She could not give me a date or any indication of when this review period would end and I would be able to use the points I have earned. There is a {$450.00} annual fee for the American Express Platinum card, plus another {$170.00} fee for adding authorized users, both of which I have paid. For that price it is unacceptable that I can not use the rewards that the card earned, with no information whatsoever about the reason or the date that they will be restored. Award travel needs to be booked far in advance, and the inability to use my points now will cost me in terms of price and availability of the travel rewards I plan to redeem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
contract cancelled with XXXX yet they kept billing. when they did not receive payment on what was not owed them, they had a collection agency try to collect. this agency TRANSWORLD SYSTEMS was notified XXXX in writing that this was not money owed and they continue to sent these harassing notices to an XXXX year lady.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Express Aviation
State: TX

Complaint narrative:
I attended XXXX in XXXX Texas for the lvn program in which I began in XX/XX/2016. We were convinced to take out a private loan in which they breach their contract by shutting their doors with no notice in XX/XX/2016. I strongly believe I should not be held liable for paying the private loan in which I was not able to complete the course. I decided to to continue the teach out plan and will decide to enroll at a community college in three near future. If possible get the money I already paid to the private loan. When we contact the lender they have no option for us for forgiveness instead insist we will still owe as they already paid their funds to the college. I feel this is no fault to myself and wish for this to be clear

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-14 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I get seven to eight calls a day from XXXX. The original amount owed is XXXX. They want XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-31 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XXXX XXXX and XXXX over XXXX fraudulent transactions totaling {$2100.00} posted to my American Express serve card. I reported the transactions to American Express immediately on XXXX XXXX. I submitted a claim and my card was closed down immediately. I filed a police report in XXXX on XXXX XXXX. American Express denied my claim, however there investigation was in completed and came to the wrong conclusion. They only investigated XXXX of the XXXX claims and reviewed XXXX transaction that I reported as nonFraudulent. They also did not consider the police investigation which is currently investigating the crime of id theft and grand larceny ongoing at XXXX police department ( XXXX preicident, case no. XXXX ). Furthmore American Express failed to consider that these transactions occurred in a different cityThan where I live and XXXX transactions at the same time at a gas station. Additional I was traveling in XXXX when these transactions occurred and could n't made these purchases. In summary American Express failed to investigate stolen money from my account and did n't investigate all the transactions or the correct transactions. They did not work with police investigating the crime and not supporting the police investigation. I would like my claim investigated and my stolen money returned and for American Express to work with police and examine the facts of the case

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-19 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
Medical claim that was considered at a in-network benefit and XXXX XXXX XXXX XXXX XXXX XXXX processed as a out-of-network benefit. Insurance advised not to pay the difference of XXXX and a dispute letter and appeal claim was opened on XXXX/XXXX/15. Because the charged amount was not in allowance and was billed at 780 % over XXXX allowance an insurance fraud review was opened. XXXX XXXX XXXX XXXX XXXX XXXX was advised to accept previous payment of myself and insurance. No additional bills were sent, and insurance company nor myself received an appeals response from XXXX XXXX XXXX XXXX until this collector letter was received by myself on XX/XX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22 00:00:00
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
American Express made a " hard pull '' on my credit bureau ( I checked with XXXX ) for a credit card replacement. I did not apply for credit. 

Spent 4+ hours straddling between Amex Cust service and Amex Cedit Bureau division. One department would send me over to the other in a seemingly perpetual loop. Finally, XXXX from the Credit Bureau dept. asked that I send a fax to their investigative team. I did not hear back.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-07 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: DE

Complaint narrative:
PURSUANT TO THE FDCPA, THIS COMPANY CONTINUES TO VIOLATE FEDERAL LAW AND MY RIGHTS -- -OVER DEBT DISCHARGED THROUGH CHAPTER XXXX BK.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02 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:
The debt was from XXXX regarding equipment allegedly not returned. I spoke with XXXX directly and they do not show any debt with them. 
My collection account keeps getting sold from XXXX collection company to the next.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-12 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: CA

Complaint narrative:
Please help stop this debt collector Midland Funding LLC. from reporting this debt on my credit report. The debt is past statue of limitations XX/XX/2012. I am a single Mom, trying to get on my feet put a roof over mine and my daughter 's head, and no one will rent or lease to me, Thank you in advance for all your help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
The collection agency agreed to remove this from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
For quite some time, I have been on the opt-out list for receiving credit card and insurance mail solicitations. Today, American Express mailed me a solicitation for their " Premier Rewards '' credit card. Surely, this established company has access to opt-out lists and can see that I 'm on it. People are tired of this XXXX. Please have American Express stop sending me their unwelcome solicitations or promotions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-18 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MN

Complaint narrative:
We were ignorant enough in 2007 to take a XXXX mortgage with HFC bank. We had had some medical and other financial issues, and they sold us on refinancing through them. In retrospect, it was a very bad move. They came in and appraised our house at XXXX. We signed a mortgage at 10.5 %, as they told us our house would increase in value and we could refinance at a lower rate. Well, the bottom dropped out of the market, and we are still stuck with an underwater mortgage at this usurious rate. We can not refinance because the market has not come back. We owe {$250000.00}, but that is more than our house is worth. HFC will not allow us to refinance at a lower rate, even though the prime rate has been very, very low. I am wondering if there is a way to refinance this loan at a lower interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06 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: CA

Complaint narrative:
Three weeks ago I was contacted by XXXX c/o Transworld Systems , Inc. regarding a school loan debt. I informed them they had the wrong individual and gave them my information which did not match what they had for the debtor. Just this morning my employer notified me the company is trying to garnish my wages even though the social and address of the debtor does not match. They also gave my employer the other ladies social and personal information. I have been stressed out all morning this company has been harassing my employer and myself and they do not have the correct individual. They have asked my employer for my social and what I make etc. 

I filed a complaint with the Attorney Generals office who sent a letter to the company a few weeks ago and the company responded saying they had no clue who I was and has no collection acct. for me however, they sent my employer a letter stating that they needed to garnish XXXX % of my income.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I have been divorced since 2006 and my name is still on my ex wife 's mortgage she has had XXXX late payments that are now on my credit report how do I get rid of them?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: ID

Complaint narrative:
This debt was never mine. I did not open an HSBC account in XXXX 2014. I have continuously disputed and XXXX has not sent any type of verification. It has been over XXXX days I want it deleted from ALL XXXX CREDIT REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
Debt was paid XX/XX/XXXX but it is still showing as collection in my credit report as of XX/XX/XXXX! I have complained few times at consumer finance and also called the collecion agency few times but it was never resolved. Collection agencies need to inform the credit bureau right away if the collection amount is paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
My Bluebird Amexican Express debit card was suddenly shut down without any explanation. I am unable even to veiw my statements.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-28 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
American Express cancelled my account after having it open for almost 1 years with flawless operation and funding on my part, I made XXXX ach transfers from my bank, and after the XXXX XXXX failed for XXXX on XXXX XXXX, I contacted the bank to advise them that the XXXX XXXX for XXXX would fail, I asked them to cancel the transcation knowing that it would fail and they said they would not or could not. The transaction failed because of a mistaken hold my other bank had on my saving account that restricted both incoming deposits and ACH debits, I was not notified of this hold by my other bank XXXX want the account to be reactivated and all my records and " bill pay " history to be made available to me. American Express and their offshore call center tell me all the info is never accesable to me again because this is or was an " online Account '' I want my account reopened I have all my direct deposits paychecks ( XXXX ) being deposited directly and this will cause my money which I will have received this week to be blocked. 

I did nothing wrong other than a mistake and advised them right away and was assured that my account was in good standing and that I had handled it properly in light of the circumstances. 

XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-30 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
Hello I attended XXXX Ca XXXX XXXX in 2011 .... I was convinced into taking out a private loan with XXXX thinking I could use the deferment program for a while until I was able to get back into school again and pursue a higher paying career. I was making deferred payments of {$20.00} a month up until about 4-5 months ago when I recieved a letter stating that XXXX would no longer be handling my loan and that UAS known as University Accounting Service would be taking over my loans and that my payments would now be {$40.00} a month!! I could barely afford the deffered payment of {$20.00} a month already so I called a few times to see what was the increase for but never recieved a response or call back. Do I have any options available since the XXXX act had been passed upon for relief of former and present students with XXXX Private loans active?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I bought the car and then I sold the car. The car is not mines anymore. I sold it back in 2014 to a junk yard.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I am disputing action taken by Citibank case # XXXX for putting accounts in my name into XXXX different collection agencies that were identified as fraudulent by me to Citibank. The following accounts including but, not limited to : Sears Home Depot Account ending in XXXX Account ending in XXXX Account ending in XXXX I disputed statement received by Citibank that were sent XXXX/2017 because of identity theft and the fact that the account numbers do not match the XXXX credit cards I have in my possession. XXXX from the Executive Response Unit phone # XXXX closed the disputed accounts through Citibank on XXXX/2017. 
I have attached the XXXX credit cards I have in my possession. I have never been late on any of my payments but, refuse to pay accounts that are not mine through Citibank. I want Citibank to IMMEDIATELY remove all negative information on my credit report and be held accountable for the threatening, continued harassment, and intimidation of a victim of identity theft. Citibank has never matched the credit cards I have in my possession. I am more than willing to settle any debt that I owe, will not pay for any interest charges, and expect Citibank to remove negative comments on all accounts in my name. Please see attached credit cards.

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 2015-04-21 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:
I was a customer of XXXX and I think I was a victim of XXXX cramming charges. It was verified and validated through their website. This account is currently with Midland Credit and I believe the debt is inaccurate due to cramming charges.

Company response to consumer: Closed with non-monetary relief