vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-30 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CT

Complaint narrative:
My HSBC bank offers overdraft protection through a credit service affiliated with their bank HSBC Select Credit. In order to ensure the timely payment of my minimum monthly payment I agreed to the auto-pay feature of my bank account which would automatically debit and transfer funds from my checking account to make my monthly payment. Everything went smoothly. 

Several years ago I relocated from New York to Connecticut and my access to HSBC branches were greatly diminished, so this bank account became less and less utilized. 

XX/XX/2016 I was contacted by the bank that I had not made my monthly payment to the overdraft account. I immediately authorized the payment and when I asked WHY the autopay service did not transfer the necessary funds - the representative informed me that the autopay services had 'expired '. At that time I asked the representative if I could reinstate my autopay status - and she said " Yes. '' My autopay status was never reinstated. I was later told that this representative misspoke if she gave me the false impression that she was reinstating my autopay status. 

XX/XX/2016 it came to my attention that my overdraft protection account was now 60 days late - as it was reported to the XXXX major credit agencies and was now affecting my FICO score. I called the bank again and was informed that my autopay status was still not active! I immediately paid the entire balance due on my overdraft account ( over {$1000.00} ) and immediately additionally paid over {$5000.00} towards my HSBC credit card ( which was not late ) - as I now wished to CLOSE all HSBC accounts. I no longer feel I can trust them. 

Since this time I have endeavored to have the 60-day late indicator removed from my credit reports based on the following factors : I feel I was never adequately informed that my HSBC autopay service would expire. I was completely unaware that this service would, without making me aware, simply stop making my required payments. 
An HSBC representative clearly misrepresented her own ability to reinstate my autopay service, and gave me the impression that my phone intervention had solved the problem. 
I have paid HSBC over {$6000.00} as a good-faith gesture bringing all my credit accounts down to XXXX. ( please note I never missed a payment on my credit card - but paid this off as well ) The amount due on the missed payments to the HSBC Select Credit account was a VERY small amount of money. 
The amount of damage to my credit score is completely disproportional to the offense - given the small amount of money due - and will greatly harm me financially. 
There were CLEARLY miscommunications and circumstances attached to these missed payments. 

I am hoping that you can intervene to persuade HSBC to remove this one-time 60 late payment from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-22 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: IL

Complaint narrative:
I currently have a home equity loan with HSBC Mortgage services. I have had this account for almost 10 years. I use this account to buyer homes and use it for Capital when I need it. I have a long history of paying the loan down and then I draw on it again when I need. HSBC closed out my account without my permission. I never wrote a letter stating I wanted it closed. In fact I received a letter showing a full payoff and closure of my account. I have been calling them since XX/XX/XXXX asking them to re-insate the loan because it was closed out without my permission. Now almost 2 months later, I am put in a financial bind because I need to make a draw. I still do not have closure to this situation and furthermore now I being told as of today that I am past due on my loan. How can this be??? I have a letter stating its paid in full. These people are not interested in helping solve the issue and now they are ruining my credit saying I am late on payments. I am now also going to lose a house and have financial hardship because they closed out my line of credit without telling me and I needed that line of credit. This is now putting me in a financial hardship and they refuse to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18 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: MI

Complaint narrative:
I received no service for notice to appear or a final judgement. A Request and Writ for Garnishment was entered into the court on XX/XX/XXXX, and a tax refund garnishment took place in XX/XX/XXXX. 
I had no idea there was a collection action against me from this agency.

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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I wrote a letter to XXXX XXXX asking the company to provide me proof of my written signature. They said the debt was sold to Midland Funding and they forwarded my request. They in turn sent me a bill. Under the FDCPA Laws and the FCRA laws it is required that they can furnish me written proof of my signature validating that this debt is in fact mine, by them sending me a bill in the mail does not comply with my written request. They are violating my rights and the law by not furnishing me this information. I am to believe that because they chose to send me a bill instead that they can not provide me this information therefore they must cease collections and remove the debt from my credit reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-11 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: NJ

Complaint narrative:
The debt collection agency has reported to the credit bureaus that I owe money to XXXX. I have not had a XXXX account for over 10 years no do I owe them any money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-07 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I was an authorized user on my soon to be ex husband 's Amex card. He charged {$270000.00} on the card without the card being present. Three times the credit limit. He will not pay them. Amex has called me XXXX4 times a day demanding that I pay his charges. I told them I was not joint on the card and not liable. They then reported his delinquent charges on my credit report. They removed the info on the credit report when I told them they were in violation of the FCRA. Then they suspended my individual Amex card without notice. I have always paid it in full and have excellent credit. When I called they told me unless I provided financial info including tax records on my soon to be ex husband ( divorce should be final XXXX ), they would cancel my card. I cancelled the card myself. I feel that they have harassed me, violated Federal law and attempted to get me to provide illegal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 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: VA

Complaint narrative:
MIDLAND FUNDING LLC keeps reporting a debt to my XXXX credit report that is a very inflated amount. THey have harassed me with phone calls to my home phone when I had one and have even called my cell phone. I have spoken with them several times and asked how much they have purchased the debt for but they will not give me an answer. The supposed debt was from 2012 Nd was reported as {$3700.00} as of today it is {$6100.00} and showing as a recently opened account. XXXX removed this debt and I have an open dispute with XXXX but I am still getting letters offering a " payment '' plan. I have read many comments and stories online about MIDLAND FUNDING LLC or Midland Credit Management ( same company ). It should be against the law to first almost double a supposed debt owed and then keep reporting it to a bureau as if I had just opened it in the last 30/60/90 days. I consider this harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I called Midland Fund to find out what the debt is for and they have no record of the account for which I was calling about. I do n't show up in there system.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
I have a debt reporting on my credit, and I have no knowledge of this.Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. 

Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for " verification '' via E-Oscar or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act. 

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes. 

Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number? 
2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor. 
3. Please provide me documentation that indicates that I agreed to pay someone this sum of money. 
4. What was the original date of delinquency for this account? 
5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment. 
6. What did you pay for this account, and how did you calculate the current amount owed?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: First Federal Credit Control, Inc.
State: OH

Complaint narrative:
FFCC-XXXX XXXX I have a a unverified account from XXXX XXXX XXXX. I had previously disputed this account. I have never done business with FFCC-XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt FFCC-XXXX and I believe it is a HIPPA Act violation. I request that FFCC-XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that FFCC-XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I would like to make a complaint for a security investment that I had with HSBC bank. I had this investment for a while and when I went to check on it in XXXX XXXX they advised that I did not have this particular investment. HSBC invested my monies with XXXX which was later transferred to XXXX XXXX, XXXX ( address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ) which then was deposited in my HSBC account after maturity. I went to HSBC several times and they advised that they were unable to locate over {$100000.00} worth of my investment. The last time I followed up with this was in XXXX and the financial advisor showed me my investment on their system however when I went to check on it on XXXX XXXX to withdraw the monies the financial advisor told me that I did not have an investment. I have been investing with HSBC for 32 years and have multiple accounts with them however this was my biggest investment that I had for retirement. My financial advisor XXXX XXXX has not been able to locate the investments I had done in my early banking years with HSBC. The branches that I did these investments with are XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX. I think fraud has been done to my account because these investments I had have vanished and I am getting no help from the financial advisors nor an explanation from other bank representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
XXXX XXXX, CA-XXXX XXXX/XXXX/XXXX American Express XXXX, TX XXXX Dear American Express, RE : American Express Plenti Card XXXX Refused to take a Balance Transfer I am member since XXXX and enjoying membership benefit almost 12 years. 
I got a Balance transfers offer by mail date on XXXX XXXX ( Letter Attached ) I called today your call center XXXX on XXXX/XXXX/XXXX at XXXX PST. 
They refused to take a balance transfer and given me XXXX call. I called that number and agent name called XXXX XXXX, He also refused to take a balance transfer. I asked them to transfer for supervisor, he said he not available. 
After that same day XXXX PCT I called XXXX that number agent called XXXX, He also said no balance transfer offer your all card and treated me very unproficinaly. He refused to transfer to supervisor. XXXX not treated me like a real customer and I felt discrimination. he did n't provide service what I needed. 
I loved to do balance transfer and please called me some one responsible person and help me out. 
If need more information contact me on XXXX Thanks. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06 00:00:00
Product: Credit card — 
Issue: Other — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MI

Complaint narrative:
Upon reviewing my credit report I noted an XXXX credit card on my account that I have no recollection of opening. I submitted a dispute with the Reporting Bureau XXXX and it came back verified. I mailed a certified letter to XXXX on XXXX XXXX asking for validation of this debt and just received a response letter from them on XXXX XXXX. Their letter stated the following : The contract date was XXXX XXXX and there was a payment in the amount of {$50.00} in XX/XX/XXXX and the date of first delinquency was XXXX XXXX. They also stated it was sold to a collection agency called XXXX XXXX in XXXX XXXX. They also noted that they sent my recent correspondence to XXXX. They also reviewed the reporting and stated in their letter that they were inaccurately reporting to XXXX and would update my report. Per my letter requesting validation of this debt they have failed to provide my any evidence that this account is mine. I wish to have this inaccurate information removed from all XXXX credit Bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TRANSWORLD SYSTEMS INC
State: OR

Complaint narrative:
A debt I owe to XXXX was mailed to me. I was given information as to how to pay for it but the registration code does n't work so I ca n't log in to pay for anything! The website does n't work half the time so I wont even be able to figure it out. Now I have no way to pay for this even if I tried. It will effect my credit which is not fair to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Midland Funding has neglected to properly validate an account they are reporting to the credit bureaus in my name. They are reporting a past due balance owed to them in amount of {$1200.00}. I have sent them XXXX certified letters for which I have signatures showing receipt to get them to properly validate the account and show that I have contractual obligation to pay them and anything bearing my signature. This account appears to be well beyond the SOL.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-08 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
XX/XX/2016, I received a letter from American Express informing me that it has decided to close my credit cards account due to a charge that occurred on XX/XX/2016 that involved XXXX for {$6200.00}. American Express believes that the charge was submitted by a merchant with which I associated with and it believes that no goods or services were rendered by the merchant in connection with this charge activity. I state that this claim is false, since I did purchase windows from XXXX and I do not own or have any association with this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-14 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Ocwen Loan Servicing , LLC XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX On XXXX XXXX, 2016, I was forced to sign a bad offer from Ocwen. Ocwen is a predator in terms of servicing and loan modification under the HAMP tier 2 program sponsored by the Federal Government. 

I was unemployed since about XXXX 2016 to XXXX 2016. At that same time within the original hamp modifications, my mortgaged had just adjusted and it was due to be a major increase in paymets from XXXX to XXXX per month approx in XXXX. 

During this time, I was in financial duress due to my unemployment. I was concerned about my current mortgage responsibilities. 
I called Ocwen about any possible remodificatiosn and they told me they coul dput me on a program. 

I applied and supplied proof of my unemployment income and my monthly statements. 

I qualified for the Hamp tier XXXX. However as soon as I was told that I was been put into a 3 month trial period, I asked Ocwen for detail full disclosure to include include amortization plan. 

Ocwen refused to provied any such information even XXXX try to get that information from them to no avail. 

The day beofore they terms of the offer was due, they gave me some level of explanations and details but yet still no full disclosure. 

Since, I faced the possibility of going into a foreclosure path, and my credit would be reuined, I was forced to accept the very bad deal in order to protect the home and my family. 

Ocwen, violated my right as an american consumer with utter disregard of the banking regualtions to and good faith estimate to provide timely information even at the request from an officer of the court. 

Please, allow me full legal consideration for this issue with ocwen.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
The issue I was not notified in writing of this debt dated XXXX/XXXX/2013 until I reviewed my credit report and sent notice of dispute to XXXX XXXX XXXX XXXX. I made several attempts to call, spoke with XXXX and XXXX whom kept hanging up on me while asking to speak with a supervisor. They kept saying to submit a request in writing which I had and they saw it in their system. I called back and finally spoke with XXXX the ( supervisor ) whom also stated I needed to submit again in writing my request. I mention to her i did and she kept aying submit in writing and then hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: LTD Financial Services, L.P.
State: DC

Complaint narrative:
I 'm actually the third party in this case. 

I received a call and a voicemail from XXXX LTD Financial. She identified herself and the company as a debt collector and asked me to provide call her back at XXXX XXXX XXXX XXXX and provide a certain reference number. 

I called back and never identified myself. I provided the reference number to XXXX and asked who she was trying to reach. She gave me the name of someone who is not me and I said that I verified that I was not that person, then she read back the reference number incorrectly, and I corrected the reference number and she gave me a second name. This was not me either. She asked if I knew the person and to tell them to call her. 

It seems wrong that they could be telling me or anyone else that someone else is behind on their debts based on mistaken contact information. If I 'm not mistaken this is also illegal under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I have acccumulated over XXXX membership rewards points at American Express and when I went to redeem these to pay off my balance they told me I could only use reward points for charges that occurred in the most recent 60 days. 

This is disgraceful ... .had I known this I would not have used my American Express account. 
Other cc 's allow me to use points for however I see fit - for travel, merchandise or to use as Payment on my account. 

I want satisfaction and be able to use my hard earned points to pay off my balance

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flatonia Investments, LLC
State: SC

Complaint narrative:
Our mortgage company has repeatedly called us to make a mortgage payment when our mortgage is not late. We were told they would not call us anymore, yet we received a threatening call last night from a very rude person. We feel at this point we are being harassed.

Company response to consumer: Closed with monetary relief