vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-16 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
i received a call from a lady named XXXX with the phone number XXXX XXXX XXXX XXXX and shed said they were issuing a subpoena for court to be sued. She then directed me to call XXXX XXXX XXXX to see the reason why i was being sued. XXXX then asked for the number XXXX gave me which was XXXX XXXX XXXX so i gave that to her and she came back to me with the reason i was being sued was for a debt with HSBC which was a credit card debt that was back in XXXX they have called me XXXX times threatening on this matter. telling me that the debt will XXXX if they have to take me to court and trying to force me to pay the {$1400.00} something that i owe. my dad private attroney said to file a complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I was unemployed XX/XX/2012 and filed for deferment of my federal and private loans and completed all paperwork as requested. XXXX properly deferred my federal loans but did not apply the deferment to my private loan and did not inform me that the private loan was not deferred. Due to this they defaulted my private loan, despite me completed all of the required paperwork. I was never informed that this could not apply to my private loan.  This situation has caused me much financial hardship since and has been a very large burden to deal with, despite being employed now. I am demanding XXXX and or whatever collection company is involved, restore my private loan back to a current status, as well as restore my past credit history to reflect my loan not having entered a default status, being that it was due to the negligence of XXXX that my loan defaulted and not any fault of my own.  I have made multiple attempts to try and get this situation resolved; however, I have not received any correspondence addressed to me despite the fact that I have attempted to reach out multiple times to all parties involved and XXXX always being aware of my new address. I am requesting an immediate restoral of mine and my co-signer's credit to a positive credit reporting, as well as an opportunity to resume reasonable payments to my account as long as it is not made in a negative status. If this matter is not corrected in an appropriate and ethical manner, I have already seeked out an attorney and will proceed to pursue this matter legally.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NC

Complaint narrative:
I have a loan that has been serviced by HSBC since XXXX, XXXX. I admit that there have been several times over the course of the last 14 1/2 years that I have fallen behind on my payments due to financial situations. In XXXX, XXXX I went from being self-employed to employed and my salary significantly decreased. In addition, my daughter had XXXX and I was incurring significant co-pays and deductibles. On XXXX XXXX, XXXX I contacted HSBC regarding loan modification. I faxed my paystubs and a hospital bill. On XXXX XXXX, XXXX HSBC sent me a letter offering a short sale or deed-in-lieu of foreclosure. Modification was denied because HSBC " did not received required information from a third-party ''. On XXXX XXXX, XXXX HSBC sent me the Residential Broker Price Opinion. On XXXX XXXX, XXXX HSBC wrote me and stated that a modification could not be offered because " borrower 's reason for delinquency does not demonstrate a permanent hardship. Permanent hardship includes death, terminal illness or permanent health condition of someone living in the household '' and " net Present value calculation did not satisfy lender 's guideline. '' When I contacted HSBC to discuss appeal, I was told I would have to send a money order or certified check for {$200.00} for an appraisal. 
Unfortunately, this was my second attempt at loan modification recently. In XXXX, XXXX, I contacted HSBC and due to being self-employed was required numerous times over the ensuing year to produce months of bank statements and explanations of deposits and expenditures. When I could not provide any further information for transfers of money to/from my son ( who was in college XXXX my modification request was denied. HSBC gratiously " reaged '' my loan, but my interest rate has remained at 10.5 % and I have again fallen behind. Each time, save XXXX, when I was able to make contact with someone at HSBC, thanks to an acquaintance who formerly managed an HSBC loan office, I have been denied. That time, I was given a temporary modification, which helped significantly, but was denied a permanent modification. 
I disagree that the Residential Broker Price Opinion ( `` drive by appraisal '' ) adequately assesses the fair market value of my home. I disagree that I should have to pay for a legitimate appraisal. I disagree that my decrease in income does n't represent a permanent hardship. Please contact HSBC and investigate not only this loan modification application, but the entirety of the servicing of my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
I initiated a credit dispute with American Express on XXXX XXXX, 2016. AMEX, unilaterally allowed the merchant to reinstate the charge without properly investigating the facts. The time for resolution by AMEX/XXXX as now expired and a full credit is due to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OK

Complaint narrative:
back in 2009 i got a credit card from XXXX. they contacted me today and said they are coming to my work to serve me. they have called me atleast XXXX times today. last month i told them that the statue of limitations in oklahoma is 3-5 years and they got real hateful and said we can argue this in court and hung up on me. i need to know what i need to do about this. please help

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
The charges made on this closed Amex account are preventing me from obtaining a new card from the company, despite having other cards from American Express which had no problems/issues associated with the accounts. The charges when the account was closed, consisted of fraudulent and unauthorized charges which were supposed to be covered by an insurance policy offered by American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
I filed a dispute with American express serve prepaid. after not receiving the provisional credit that was promised of the unauthorized charge of {$600.00}, with 10 days, I called their customer service. The rep told me that she would email a supervisor do that the credit could be issued. 3 days later, I went to withdraw funds and was unsuccessful. I called CS and they states that I violated terms and condition and my account was now closed. The dispute was declined which caused the account to be shut down. I received correspondance via email that I had a right as a consumer to know why my dispute was declined. CS told me that it was internal info and they could n't tell me anything. I contacted the merchant and they advised that they were never contacted in regards to my dispute. I also have a police report to support the claim of {$600.00} that I initially filed. They NEVER investigated my claim. They simply XXXX my account down. They told me not to worry and I would be recieving the rest of my money via usps 7-10 days. It is now day 13 business days and I have n't received my XXXX that was in the account. This is a major inconvenience and definitely a scam. If you file a claim over {$400.00}, they will not send you a replacement card and they will not investigate the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
XXXX XXXX offered XXXX Membership rewards points for spending {$3000.00} within 3 months. I have since earned points on XXXX XXXX, 2017 as a result of meeting the terms and conditions of the offer. XXXX XXXX will not allow me to access these points due to a " review '' and can not offer a concrete timeframe on me being able to use them. I request that they release these points for use, as I have met all of the terms and conditions of the offer, and my card account is in good standing. I made an effort to resolve this via XXXX XXXX, but the representative could not assist, and claimed the review was not something he could influence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-29 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:
Hello, This is my second complaint about this company. my first company ID number XXXX when they replied to my first complaint they simply lied through their teeth this is a sham company, please put a stop to their corruption. in my attachments you will find emails requesting that they do not check my credit. in retaliation the same company checked my credit 3 times they claim that i never contacted them before, which is a complete lie. all i am asking is for them to correct what they did wrong.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
It 's actually XXXX of the above. This number calls me 3 times a day, one of the calls coming between XXXX to XXXX, and I 've had to resort to using a call blocker app to not have my phone go off during class.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04 00:00:00
Product: Debt collection — Federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
On XXXX XXXX, XXXX, I entered an agreement for Transworld Systems , Inc. to accept temporary monthly payment arrangements of {$5.00} ( due the XXXX of the month ) in conjunction with my request to participate in the XXXX XXXX XXXX XXXX XXXX program, as authorized XXXX. I received letters from the company dated XXXX XXXX, XXXX and XXXX XXXX, XXXX ( was received via email as an e-notice on XXXX XXXX, XXXX and XXXX XXXX, XXXX ) of my authorization for the company to deposit the amount of {$5.00} on XXXX XXXX, XXXX. As agreed, the amount of {$5.00} was debited from my XXXX XXXX XXXX Checking account by Transworld on XXXX XXXX, XXXX and posted to my checking account on XXXX XXXX, XXXX. On XXXX XXXX, XXXX ( letter dated XXXX XXXX, XXXX ), I received an e-notice from Transworld Systems , Inc stating that I agreed to send payment in the amount of {$5.00}, due on the XXXX of the month, and that the payment was due and not received. This company is requesting that I send a current balance of {$22000.00}. I contacted the company on XXXX XXXX, XXXX to resolve this issue as well as visit the website listed, XXXX.com to file a complaint, however, in order to file the complaint I need to enter the registration code which has not been provided to me in any of the Transworld mail correspondences. Currently, 15 % of my biweekly wages are being garnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: MOHELA
State: MD

Complaint narrative:
I have been trying for years to determine how my loans have the interest rate they purport to have because I do not believe it is correct. When I spoke with my loan servicer, I was advised to contact the department of education. When I contacted the department of education, they told me to contact my loan servicer. I was finally able to obtain a marginal print-out of my student loans but it STILL does not contain the ( 1 ) actual notes indicating the interest rate, and ( 2 ) it also failed to show some of the interest rates on my loans claiming that the interest rate is variable. Last year, I found a major discrepancy in how my interest was being capitalized which led to an approximate {$14000.00} modification to my outstanding loans. I want to make sure that the proper interest rate is being applied to my loans. 
Moreover, I want to confirm that the principal on my loans are correct as well. 
All avenues that I have tried have failed to provide me with : -proof of the interest rate ( as it was upon execution with my loan documents ) ; -proof of principal ( as it was upon execution with my loan documents ). 

I can not understand why no one can provide me with a copy of my loan documents, and also provide me with proof of my interest rates. 

I will pay the debt I owe, but I believe I am being overcharged. 

Thank you for your attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02 00:00:00
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
I purchased a Blue Bird AMerican Express card for {$20.00} from XXXX. I set up my account with them and had {$850.00} transferred from my checking account to my American Express Blue Bird card. In XX/XX/XXXX American Express put my account on hold requesting a copy of my bank statement. My husband emailed them a copy of the bank statement. American Express said they can not except my bank statement and shut my account down. They refused to give me access to my {$870.00}. I was told I had to wait until XXXX XXXX. On XXXX XXXX I could go to the State of Wisconsin and claim my " unclaimed property '' Today XXXX XXXX, 6 months later the state of Wisconsin does not have any unclaimed property in my name. I called today and was told they can not tell me when my money will go to the state of Wisconsin, but it will.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA

Complaint narrative:
XX/XX/XXXX, I had emergency surgery, I was out of work for weeks. My mortgage is with HSBC. I applied for a loan mod and was denied. my interest rate is 9.8 %. I refinanced with HSBC in XX/XX/XXXX and they told me to make my payments on time for a year and then they would refinance me. One year later I called them to refinance and their response was, that in XX/XX/XXXX they closed all of their offices except the main office, and they were not doing any loans. They knew this, when I refinanced with them in XX/XX/XXXX, in other words they told me a bare faced lie! Now i 'm XXXX and am self-employed and I do n't want to lose my home, but am strapped tight. When I had my surgery, I lost a customer and have n't been able to replace them. My payment with HSBC is {$140000.00} a month. I need help and I could afford a lower payment and meet all my other bills and needs. I have called every finance company possible and they all tell me the same thing my debt ratio is too low. My credit score is fair. I feel that something needs to be done about HSBC. It seems like they would n't want me to foreclose and work with me and their other customers, instead of losing money. I checked on HSBC and their are a lot of scams that they have done to many of their customers. I just do n't understand how they can continue to get by with this. I cant apply for the HARP program because my loan is n't owned by XXXX or XXXX. The economy is going up all the time and I need help! Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I signed up for an account and was assured that when spending {$10000.00} I would be grand XXXX Membership Rewards points from American Express. After the points did not post properly I called in and was assured by multiple supervisors that I would get my points. I was just informed minutes ago that these points would not post. I am a bit confused as to why I was lied to by multiple supervisors at American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29 00:00:00
Product: Credit card — 
Issue: Bankruptcy — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I filed bankruptcy in XX/XX/XXXX, and it was discharged in XX/XX/XXXX. I had a platinum card with American Express that was included in the filing. I have been fairly successful rebuilding my credit, but each time I have tried to get a card with AMEX, even a corporate card, I was denied due to having an outstanding balance. When I have called in to inquire about my denial, they have indicated that I could get a card, if I paid off my old balance. That does n't seem right.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 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: FL

Complaint narrative:
I attended XXXX from XXXX. Was promised job placement and guaranteed my credits would transfer to other colleges but instead I received a useless degree that no one would accept and racked up about 40k in private and federal loans. Advisors had no ideas about career paths or educational requirements for these. I was even told that job placement was more for medical students than XXXX majors when I attempted to get assistance. I was registered in classes that I did n't have to attend just sign in at the beginning of the week. All I wanted was to get a decent education to stay off the streets and instead I 'm being drowned in debt and had to start from zero to get a degree at XXXX. Apparently XXXX sold or partnered up with University accounting Services in order to continue stealing students money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I previously submitted a complaint ( Case Number XXXX ) regarding American Express 's lack of cash back rewards on my account. Their response was that they would start accumulating cash back going forward ( i.e. from the end of XXXX 2016 ) and handle the missing months ( XXXX 2016 - XXXX 2016 ) separately. Unfortunately, not only have I not received any relief for the missing three months, the accumulation I was promised from XXXX 2016 forward has not happened.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-06 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: AE

Complaint narrative:
I am a soldier in the XXXX XXXX XXXX, in 2011 while I was in training at XXXX XXXX XXXX I purchased a wireless hotspot from the telephone company XXXX. After I was done with training I PCS to XXXX XXXX XXXX where XXXX did not offer the option of a hotspot so I was able to cancel my contract under that fact and also under the SCRA Act ( Servicemembers Civil Relief Act ), without the penalty of a cancellation fee. This was not done even after the fact that i had fax in all the required documents. I have tried numerous times to resolve this issue with the debt collectors but they are not willing to accept just my military contract showing that i was stationed in XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-27 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: MOHELA
State: CA

Complaint narrative:
Hello. Our daughters Private student loans are being uncooperative as to extra fees, taking parents off as co-signers and ability to consolidate loans for better rate equals saving and lower, payments. We have asked repeatedly. They also call repeatedly harassing us at our home which is illegal. Lenders are XXXX XXXX and Mohela..these loans are from 2006 it 's time that this is paid off and matter closed. Our daughter needs her life back so do we. 
XXXX XXXX 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 2016-06-09 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY
State: ID

Complaint narrative:
In XXXX, I entered a debit reduction agreement to pay off credit card charges and also requested an account closure of an American Express account. Part of the agreement with XXXX XXXX , XXXX was to close accounts and destroy the card, which was completed. XXXX, XXXX a written request was mailed to American Express to also send a return written notice confirming the closure of this account. The account has been successfully paid in full. Instead, a mailing stating a " statement balance will change with recent activity on your account '' was mailed with their notice to call. The card was destroyed and no intent to use on my behalf. American Express notes cancelling the account -yet will not send notice of CLOSURE. My request is simple. A closure notice, no further activity and yet American Express would prefer to upsell their product/credit card. Help?! Thanks so much!

Company response to consumer: Closed with explanation