vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
HSBC/Beneficial does not know how to do basic accounting. The error occurred in XXXX XXXX when they applied payments received for the XXXX mortgage payment to XXXX XXXX. This is evidenced by their letter dated XXXX XXXX, XXXX which stated that we could lose our home because it was 30 days in default. They sent a total of XXXX copies of this letter : XXXX that were sent certified mail ( 1 for my husband 1 for myself ) to the same address and XXXX that were sent my regular mail. Apparently they do n't know how to read their own records. At that time they knew the loan had been sold to XXXX as they sent us a letter dated the same day notifying us that the loan would be serviced by XXXX effective XXXX XXXX, XXXX. In that letter they tried to collect {$2200.00} by XXXX/XXXX/XXXX which is past the date that they would be servicing our account. In a letter dated XXXX/XXXX/XXXX XXXX XXXX included a copy of a letter dated XXXX XXXX, XXXX that states " There was a reconciliation completed on your account on XXXX/XXXX/XXXX. After the reconciliation was completed, your account was due for the XXXX/XXXX/XXXX payment and the remaining amount needed to complete this payment was {$1600.00}. The full payment for the XXXX/XXXX/XXXX due date was not received until XXXX/XXXX/XXXX. '' This is in direct conflict with the XXXX XXXX reconciliation, and the records sent by HSBC employee XXXX XXXX that were sent post " XXXX XXXX reconciliation audit. '' How many different audits does it take? 
In a letter dated XXXX XXXX, XXXX, XXXX XXXX XXXX, attorney for Beneficial states, " I have confirmed with Beneficial that its pre-Petition arrears claim was paid in full, and that the debtors are up to date with respect to remittance of their post-Petition mortgage payments. '' This letter was addressed to XXXX XXXX XXXX, XXXX, Chapter XXXX Bankruptcy Trustee regarding the Notice of Final Cure Payment and Completion of Plan Payments. 
In a letter dated XXXX XXXX, XXXX from XXXX XXXX XXXX by XXXX XXXX of HSBC they stated to the NYS Attorney General 's office : " An audit has been completed. '' " We have completed reconciliation ... .and can confirm that the account status is accurate. '' " Account is current. The next payment is due on XXXX XXXX, XXXX in the amount of {$1000.00}. '' Instead the next payments were applied to XXXX XXXX that should have been applied to XXXX XXXX per their letter to XXXX XXXX XXXX of the NYS Attorney General 's Office. This starts the cascade of accounting errors which they are still unable to correctly identify and rectify. They also spent 2 years telling us that they had no responsibility to rectify the errors they passed on to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
I made a settlement with a debt collection agency. I paid them the agreed amount, registered mail the day after the agreement. They got their money. They have had my payment for months which should have closed my account and been put on my credit as paid. However I call and they say I still owe the difference of our agreed amount. I have talked with many managers who tell me they will manually fix my account. I have called this agency over XXXX times and always i get the same excuse or some new reason as to why they have n't closed out my account. I am a single mom with no job I need my credit fixed so I can move. I call them at least XXXX a week and they say, our manage has to approve this before we can close your account as paid. I spoke with various " managers '' and I was told two weeks ago that within 4 days my account would be marked as paid and closed. That I would receive a letter in the mail that it was paid. I have not got a letter yet so I called them again today. They told me that someone canceled my request to have my account closed and that I still owed the balance of the difference. We settled upon XXXX a difference of XXXX of my original credit debt. I sent them the money order within a week and still they keep lying to me. I get different excuses every time I call. Please I just need help in getting this account closed. I paid them their money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-13 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
Regarding American Express PASS card. I had set up and funded XXXX of these cards for my XXXX children about 5-6 years ago through my regular American Express account. I discontinued funding and use of the cards about a year later. The cards have been destroyed and I thought that the PASS accounts were closed. 

I recently received and email warning me that the PASS card accounts would soon start incurring a monthly fee and if I wanted to cancel the PASS account to call a toll free number. XXXX. 

I called that number and was promptly disconnected after a recorded message that they were too busy to take the call. 

I called the regular American Express customer service number. They could not help with the PASS card cancelation but they attempted to use an internal direct line to connect me to the PASS card dept. I was left on hold for 60 minutes before I ended the call. 

I attempted to access the PASS account through my XXXX XXXX on line account access, but was given a message that my PASS card access was unavailable and that I should call XXXX. 

XXXX additional calls to American Express customer service failed to gain access to cancel the PASS cards, despite XXXX minute waits each time. 

I have attempted to locate any other method of contacting the American Express PASS card service, but have been unable to discover anything more than the same toll free number. 

I asked American Express customer service to pass me up to a supervisory/senior level customer service representative, but was refused. 

I am stuck in an endless loop and unable to contact PASS to ensure that cards are cancelled, any remaining balances refunded, and avoid pending fees. Subsequent calls to the posted toll free number for PASS customer service result in the same recorded message and an immediate disconnect.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-28 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: OR

Complaint narrative:
I had several collections show up on my credit report from Midland Funding LLC. I have disputed XXXX of the credit bureaus ( XXXX and XXXX ). XXXX did an investigation and immediately deleted everything with Midland on my credit report. The information remains on my XXXX file and I would like it removed off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I have been sued by XXXX XXXX and they received a default judgement against me for a debt I do not owe. They have never answered my questions about who I owe, show me any proof, just kept forging along. They requested a wage garnishment and the judge denied it. Now they sent a sheriffs officer to my Broker, ( realtor ) with a writ of execution to garnish my future commissions {$1700.00} that they say I owe. Are they allowed to do this arbitrarily? I have had so much trouble with this identity theft issue for many years and I am struggling to keep even my mortgage up to date. I just do n't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
I have contacted beneficial about releasing a lien that should have been removed since 2003, I have called and faxed requests and unable to get someone to help me. The representative is stating they will send a release to the local court house, I had a local title company search and still show a lien, whywhy have the taken so long to release it, it is still showing a lien by beneficial hsbchsbc

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Following a debt in question related to a visit to the hospital emergency room where, as an insured individual, a co-pay was paid in a timely manner, I received a collection notice from Transworld Systems, Inc.(TSI) at www.transworldpayments.com regarding a balance of XXXX for XXXX Emerg Physicians Acct. # XXXX which translates to TSI Reference number XXXX. The debt did not appear valid so I disputed the amount within the 30 day allowance and requested further information from the debt collector. Without producing this information to me for consideration, TSI informed XXXX, XXXX, and XXXX of the amount in question, resulting in an immediate negative impact on all XXXX of those particular credit scores, affecting my ability to lease a new home.

While the debt in question may be valid, I have been unable to contact TSI via their publicly posted phone numbers and by the phone number listed on their written correspondence which is XXXX. I have called their numbers multiple times over several weeks within their hours of operation noted as Mon-Fri XXXX to XXXX EST. I have left numerous voicemails, sent emails, and post and unable to get a customer service representative on the phone to discuss this matter. 

I am extremely upset that this company has reported a debt to XXXX third parties and further that they are completely negligent in responding to inbound inquiries. Further, their online user account system is completely insufficient as I am unable to log-in, contact support, gather information, or spark action of any kind using this venue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
American Express reported my account late as 30 days when it was only 5 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
On XX/XX/XXXX, I completed a purchase using my American Express Credit Card. The purchase was through XXXX XXXX for a concert that would occur XX/XX/XXXX. When making the purchase in the amount of {$360.00}, I should have received an email confirmation of my purchase and online tickets to be used at the event. After contacting XXXX initially I was told that the confirmation would be provided 30 days prior to the event and that I would have to check back at that time if I did not receive my confirmation which made sense at the time of my call. As the event came closer I continued to check my email for confirmation of my purchase but never received the tickets or the confirmation. 
The only confirmation that I had was the charge that showed on my credit card dated XX/XX/XXXX. I also made payments on that credit card as agreed including principal and interest. Once it was within 30 days of my event, I then made follow up phone calls to XXXX and was told that the purchase was not made and that XXXX had not received a payment from me or American Express. They further instructed me that I would have to contact my credit card company because American Express had not processed my payment for the purchase. 
As the time of the concert came about, I then made a second purchase of tickets for the event as I had been told by XXXX that my purchase was not complete and that I would not have access to the event because I did not purchase tickets. I made that second purchase on XX/XX/XXXX for an additional {$360.00} and the sale went through as agreed. 
I then contacted American Express and filed a claim as instructed by XXXX that the payment was not processed as agreed. American Express then provided documentation, claim reference # XXXX that the payment had been made. I again called XXXX and this time I talked with a lady who identified herself as a supervisor named XXXX, employee id # XXXX, and she again said that my purchase had not been processed and that I would have to contact American Express. 
After several additional attempts with both parties, I find myself in the blame game between XXXX companies who do not want to acknowledge fault. XXXX contends that they did not receive payment for the tickets and will not reimburse me for the tickets that I should have received. American Express contends that they made payment and do not have a liability whether I received my goods or not. My only goal at this point is to receive a refund of {$360.00} for the merchandise that I purchased but did not receive and I hope that the CFPB can assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 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: VA

Complaint narrative:
My credit and identify was stolen

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-21 00:00:00
Product: Credit card — 
Issue: Other — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
A few days ago the author of this complaint ( sometimes hererin the " Complainant '' ) received a letter ( the " HSBC Letter '' ) dated XXXX XXXX, 2016 from HSBC Bank USA NA ( " HSBC '' ) informing the Complainant that my HSBC Platinum MasterCard Account With Rewards ending in XXXX ( the " Account '' ) had been closed by HSBC because HSBC had determined the Account had been inactive for 12 months or more. Immediately before the Account 's closure by HSBC the Account had more than XXXX Reward credits ( the " Credits '' ) credited to it by HSBC, the exact number of which is not now known to the Complainant, earned and credited the Credits over many years of usage of the Account by the Complainant. 

Upon Complainant 's inquiry to HSBC after Complainant 's receipt of the HSBC Letter HSBC informed the Complaint that the Credits had likewise automatically been canceled when the Account was closed. 

The Complainant never received any notice from HSBC or otherwise that the Account was under closure review for non-use for 12 months or more, nor, before the Complainant ' s receipt of the HSBC Letter, that the Account was sooner or later to be closed for non-use Had the Complainant received any such prior notice the Complainant would have made use of the Account 's credit card to preserve the Credits for Complainant 's use as and when chosen by Complainant. 

The Complainant asserts that HSBC has acted in bad faith in this matter and demands that HSBC pay to the Complainant in cash the current reasonable cash value of the Credits as determined in accordance with industry standards and practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland Credit Management contacted my spouse about a debt collection that is solely in my name. My spouse verified with the representative that the account is only in my name. They gave my spouse information regarding the company, account balance and other personal information. This is a complete violation of privacy. I have never spoken with any one from this company before. I have not received communication from them. I did not give them permission to speak with anyone regarding this debt collection. I do not mind working with a professional debt collection agency regarding this account, but I will not work with an agency that violates FDCPA. I can not trust a company that violates federal law to handle any of my personal information. My spouse asked them to mail proof and they refused, citing only an email that they sent to his ( MY SPOUSE ) email -- not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
I started using a new card with American Express called the Every Day card. I have been using their gold card since 2001 and paid on time. I always pay my bills at the first of the month and assumed that would be the due date for this card. Yesterday when I went online to make the payment, I noticed the due date had been on XXXX XXXX instead of XXXX XXXX. I had been charged a {$27.00} late fee. I called the company and requested the fee be waived. They denied my request. I believe this request is reasonable and American Express has always been great to work with in the past on billing disputes etc.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-11 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: IL

Complaint narrative:
During a mortgage re-fi, I was notified that there was two judgments against me that i did not know about, and was never notified of. " Asset Acceptance '' filed a judgment for {$8000.00} and then when I finally got a hold of the seventh person they sold the debt to, they said it 's really {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: GVA Holdings, LLC
State: MO

Complaint narrative:
I INITTIALLY TOOK OUT A XXXX DOLLAR PAYDAY LOAN WITH XXXX INTEREST PAYMENTS EVERY TWO WEEKS. ON THE 4TH PAYMENT I DID A PRINCIPAL REDUCTION PAYMENT PLUS INTEREST. XXXX PLUS THE XXXX. WAS TOLD THAT THE PAYMENTS WOULD BE LOWERED. THEN WHEN I CALLED TO FIND OUT WHAT THE NEW PAYMENT AMOUNT AND/OR PAY WOULD BE I WAS TOLD THAT I WOULD STILL BE CHARGED THE XXXX NO MATTER WHAT THE PRINCIPAL WAS PAID DOWN TO.. WHEN IN TO LOOK AT MY CONTRACT AND IT HAD BEEN REMOVED. ASKED FOR THEM TO SEND ME A COPY AND THEY WOULD NOT.EVEN THOUGH I WAS TOLD THAT MY PAYMENT WOULD BE XXXX I WAS TOLD THAT TO PAY THE LOAN OFF I ONLY HAD TO PAY XXXX INTEREST AND THE THE XXXX REMAINING PRINCIPAL. AND THAT I SIGNED UP FOR XXXX PAYMENTS OF XXXX ... AND IF I DIDNT PAY IT OFF, EVEN THOUGH I HAD ONLY MADE XXXX PAYMENTS I WOULD NOW OWE ONLY XXXX PAYMENTS OF XXXX TO PAY THE LOAN OFF.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I opened an American Express gold card last year when booking XXXX XXXX flights to XXXX. The card advertised XXXX free miles to Gold AMEX customers. The miles were to be credited within a certain time-frame. As the miles were never credited to my account, I called American Express and complained. I was told that I was not eligible because I previously had an AMEX gold card. After I complained that this was not disclosed, the agent promised to credit the miles to my account. Several months letter, I followed up with another phone call only to find out that AMEX had no intention of crediting my account. They claimed that this was disclosed when I opened the account but could not tell me or provide me with any back up information to substantiate their claim. I notified them that their practice was illegal and told them I would be filling an official claim. Sure enough, they are sticking to their story - they notified me that this was disclosed during the on-line application process. I was not aware of it and as far as I am concerned, this was not disclosed. They can not prove that this was disclosed and none of my disclosures that I received show this being disclosed. What prevents AMEX updating their disclosure a year later and claiming that I was subject to it? I think that this is a deceptive practice to lure people into products which they otherwise would have no interest in attaining. What are my rights here?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05 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:
Trans World Systems is attempting to collect an alleged unsecured debt that 's past Pennsylvania State 's debt collection statutes of limitation and violation of the FCA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-16 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: Client Services, Inc.
State: MN

Complaint narrative:
This company has contacted my family, my job, and me after they were given a cease letter over a month ago. Also, I have been working with an attorney to file bankruptcy after my divorce and they were notified if this. They have been bothering people I know to give them information as to where I work, etc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-17 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: GVA Holdings, LLC
State: NC

Complaint narrative:
called me on a private number and said i owed a payday loan and they had XXXX feloney warrents for me and they would require a XXXX dollar secured bond and then she gave me a number for an attorney that was handling the case this occured one week ago i contacted the nc attorney general office and they said it was a scam and do not try to negociate with them

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-20 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Calls up to XXXX times a day, even on weekends

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-29 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Full payment has been made, received, and deposited and yet the collection company, Transworld Systems , Inc., continues to send collection notices.

Company response to consumer: Closed with explanation