vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-17 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I 'm writing this complaint regarding my Membership Rewards Program from XXXX XXXX. I applied XXXX XXXX XXXX card last XXXX and keep doing normal spending on it. When applying the card it shows spend {$3000.00} and receive XXXX Membership Rewards points. I spent {$2800.00} on my XXXX. Statement and {$4900.00} on my XXXX. Statement which was far exceeded {$3000.00} spend requirement. So when I trying to transfer XXXX points from my Membership Rewards account ( Which I have XXXX Reward points in my account ) to my XXXX account it noticed me I ca n't do that because my spending is under their review to make sure all my spending are eligible. I definitely ca n't accept that so I contacted them via online chat, email and phone but they ca n't provide a workable solution. Since I need the points ASAP I have to file a complaint here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
I applied for a modification from HSBC because my rate is at 5 % and owe {$490000.00}. 
Unfortunately, the value of my property is {$350000.00} so I can not refinance. I am going through hardship because my income has been declined and my situation has changed. I now have childcare expenses. After 9 months of back and forth with HSBC through XXXX they asked me for the property back or short sale. My income is over {$100000.00} and they were not willing to work with me in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-26 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
American Express Serve and XXXX has taken hundreds of dollars from cards blaming system glitch. Been over 24 hrs and they can not give time frame.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-13 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: ID

Complaint narrative:
i tried to open a dispute with american express on XXXX fraudulent charges.they would not open it at all.i feel that they should have at least investigated into it.the company was consumer advocate services. they stole XXXX dollars from me.they totally disappeared on me and american express would not look into it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I am a XXXX. I own block/lot # XXXX in the City of XXXX, New York. I use my social security and retirement benefits to pay my mortgage. 

My mortgage companies are HSBC Bank USA , N.A . ( mortgage co. ) and XXXX ( servicer ). I pay a monthly amount into escrow for my mortgage. They are supposed to use that escrow account to pay my property 's taxes and insurance. 

In XXXX, I had received notification from the City of XXXX that XXXX taxes were in arrears ( attached ). In XXXX XXXX, I sent XXXX the bills, and I also wrote them several letters ( attached ). After no response, I filed XXXX complaints with the Consumer Financial Protection Bureau in XXXX XXXX ( Case # 's : XXXX and XXXX ). 

I received a letter from the mortgage companies on XXXX XXXX, XXXX ( attached ). It said that according to their records NO TAXES were due on the property. They considered the matter resolved. The letter came from XXXX XXXX XXXX, Asst. Vice-Pres. of HSBC ( attached ). Therefore, your Bureau took no further action. 

However, on XXXX XXXX, XXXX the City sent me another letter stating that the XXXX taxes are STILL in arrears ( attached ). Also the City is charging fees. The City has placed my home on the list of in rem foreclosures! The City will sell my house, and will not take the property off the foreclosure list until the tax is due. The City says it sent XXXX several letters since XXXX XXXX, without a response. The City also claims it sent a copy of its XXXX XXXX, XXXX letter to XXXX. 

In XXXX XXXX, I again contacted both HSBC and XXXX several times, but as of today the taxes remain unpaid. The City states that it has sent XXXX numerous letters during the XXXX years that the taxes have been due. The City 's letter itemizing the following fees to be paid : {$1200.00} ( back-taxes ), {$440.00} ( late fees ), and {$250.00} ( in rem proceeding costs ). 

When I contacted XXXX last month again, they told me they would " research '' the matter. I told them I would NOT pay XXXX XXXX mortgage payment of nearly {$1700.00}, because I wanted to use the money to instead pay the nearly {$1900.00} due in back taxes and fees ( as an offset ). XXXX stated that if I did so, they would begin separate foreclosure procedures against me for not paying my mortgage! So I paid the XXXX XXXX mortgage payment to XXXX. Yet, when I spoke to XXXX again, they said they had " no record '' that any taxes were in arrears! They are claiming they never got any letters from the City. 
I need help, before they take my house. I also want to file a RESPA action against the XXXX mortgage companies. I can not continue to endure this XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I originally opened up a checking and savings account with Wells Fargo. The in approximately XXXX XXXX, I was notified by Wells Fargo through email that they were closing the savings account and adding another or secondary checking account. I did n't really understand the reason why ( maybe to allow for overnight sweeps/loans ) but I let the action occur. Then I transferred money into the secondary account as a lay away fund for a home improvement since the account was there. I gradually moved the money back into the primary checking account and was going to transfer all money back around XXXX/XXXX/XXXX when I noticed the account had less money than I noticed before back in XXXX XXXX. 
Wells Fargo deducted XXXX {$10.00} fees for not maintaining a certain balance in the checking account. 
My opinion is that this second checking account was added to generate just these kind of fess as XXXX checking accounts I do n't need as a consumer. 
Attached is a Excel spreadsheet for the time period of XXXX/XXXX/XXXX XXXX.

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 monetary relief
Consumer complaint received 2016-11-13 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I cancelled my Amex XXXX Rewards card on XX/XX/2016 because of the annual fee. Amex confirms they received the request and it should have been complete but did n't complete it. Now they say I still owe the annual fee because it was n't actually closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-13 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I had a gym membership with the fitness club XXXX at XXXX XXXX XXXX in XXXX XXXX. I wanted to cancel my membership for an end date on XX/XX/2016. I understand that XXXX has a 30-day membership cancellation policy. I worked with a representative to process my cancellation in XX/XX/XXXX. However, on XX/XX/2016, I was charged {$160.00} on my credit card with American Express. I spoke with manager and representatives of the gym multiple times over the next week ( XX/XX/XXXX to XX/XX/XXXX ) regarding the cancellation. The manager said they did not have documentation of the cancellation and refused to remove the charge. I called my credit card company on XX/XX/2016 to file a charge dispute. My credit card company denied my dispute and cited the reason as the merchant refusing to return the {$160.00} because the merchant could not find the documentation for my cancellation, which is the reason the dispute was even happening. 

I feel this is a very unjust ruling against me with no protection for the consumer. Decisions regarding transactions are entirely with the merchant and the consumer has no protection if the merchant is at fault. I tried my best to resolve the issue and spoke with the merchant in XX/XX/XXXX in order to reverse the fee that was meant for XX/XX/XXXX. After the merchant denied my request, I spoke to my credit card company as quickly as possible. I did not use the membership at all for XX/XX/XXXX. I have tried to be timely in communicating with all parties and it feels like any merchant is able to charge me whatever amount they want with no way to fighting back.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
Transactions are not moving to balance due giving false impression money is not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
During a time of hardship, I reached out to my credit card company, Wells Fargo, to see if they could offer any assistance. I was referred to the collections department. Under advisement of the rep, the program entailed closing the account down and being put on a payment plan. They stated that I would have XXXX percent interest to help me through the hardship, which I agreed to do. Months later, I find out that they never honored the XXXX percent APR and gave me XXXX instead. Calling Wells Fargo back to have the matter corrected, they avidly denied ever offering me the XXXX percent and when asked if they could review their recordings, there were none available for that recording ( conveniently ). I am well aware that the collections department did help lower my interest from the original amount, but the reason I agreed to shut down the card was because of the XXXX percent interest. They blatantly lied to me and now there are no notations or recordings to substantiate the conversation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01 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: TX

Complaint narrative:
Cramming charges were added to this bill. This charge does not represent actual amount owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-22 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
I was extended an offer by American Express to get a " Blue Cash Everyday '' card with a {$200.00} rebate bonus ( as a statement credit ) after spending {$1000.00}. 

However, they only gave me a {$100.00} credit when I reached that spending level. When I called in on XX/XX/XXXX, they insisted that my offer was only for {$100.00}. When I provided the details of the offer to them, the opened a case and said to give them 10 days to investigate it. It 's now been well past that and I am now being told it might be 6-8 weeks. 

This has gone on far too long for an error that should have never happened in the first place. I certainly would n't get 6-8 weeks to fix an error in my payments without repercussions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-01 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I did not receive a letter informing me of the debt, I found out after running my credit.I called and requested a letter in XXXX/XXXX/2016 and i still have n't received one.Started making payments on a payment arrangement still have n't received a receipt after XXXX payments.Company refused to fax or send info regarding payment plan or payments received.I offered to sign consent.I called numerous times were my info was given without right party ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
My taxes have been taken from me for a few years in an attempt to collect my debt. I asked for inquiry of my balance. On the itemized billing that I received it shows that whatever amount they took from my taxes was credited to my balance but then " reversed '' and added back to my amount due. I have sent an email with the scanned copy of the bills highlighting where the discrepancies were and no one can give me straight answer of what 's going on and they are still attempting to collect the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
XXXX letters were sent to AMEX, the only response I 've ever received from an American representative ( not someone in XXXX XXXX, XXXX ) are due to : 1 ) Emailing the CEO which forwarded my complaint to the Executive Office and 2 ) A CFPB Complaint. 

Despite almost coming to an agreement with AMEX 's Collection Agency, they had informed me AMEX **will not stop charging me late fees** despite having a payment plan in place which is far from logical and ethnical. Those late fees would total XXXXmonth essentially XXXX any payments towards the balance. I am unable to accept AMEX 's direct " hardship program '' ( not through the CA ) because it far out of my budget and would restrict my ability to continue my studies, living expenses, and other creditors. This problem has caused me XXXX the last few months since I have been blatantly ignored in my attempts to resolve this. AMEX 's " hardship program '' waives additional late fees so the CA 's program should as well. Directly AMEX expects you to pay off your balance in XXXX months which is a clear misinterpretation of the word " hardship ''. 

I have gone above and beyond my duty in attempting to contact AMEX yet they are still trying to bill me for fees which could have been avoided months ago if they bothered to reply, a representative would allow me to speak to someone higher up in the food chain such as supervisor ( which was never allowed for whatever weird reason ) ; instead they allegedly have never received any of my complaints which have shown my desire to come to a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: MOHELA
State: MI

Complaint narrative:
I requested a change in repayment plans. Apparently, MOHELA lacks the ability to process these requests efficiently. As such, it places the account on a " processing forbearance '', in which it unilaterally delays payment for a month and capitalizes the interest ( referencing the right to do so under the master promisory note ). At no time did I authorize this or accept this. Nonetheless, MOHELA continues to forward me mail indicating its intent to capitalize interest. This is unacceptable without additional information and/or a refusal to cite to the provision in my master promissory note that authorizes such behavior ( i.e., at no time have I authorized MOHELA the right to capitalize interest on my account ( s ) ). 
MOHELA 's forced forbearance and capitalization is a MASSIVE class-action lawsuit waiting to happen. Damages are calculable. Good luck! 
Do n't capitalize my interest ( or my wife 's interest for that mater ). 
What MOHELA is doing is the exact type of behavior the CFPB is trying to prevent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA

Complaint narrative:
This is to express XXXX concerns about HSBC banking. I began the process of transferring my investment accounts out of HSBC ( XXXX, VA ) in latter XXXX of XXXX the process was completed by the end of XXXX. I later closed all of the remaining accounts. When I returned home in XXXX after a partial winter residence in the XXXX of USA, there was a credit card bill from HSBC. I informed the branch manager where I previously banked ( XXXX, VA ) that I had not used the credit card and no one else should have been able to use them because I had closed all accounts with HSBC. I wrote a statement and submitted it, but HSBC continues to send me a bill with interest. I have spoken to my previous branch manager several times, but the problem has not been resolved and they continue to send me a bill. I want the billing to stop. I did not use the credit card ; the account was closed and should not have been used by anyone. Evidently, I would not know, the credit card account was not closed ; I did not use it. XXXX ) I transferred my investments to XXXX. They handled all of the paper work. HSBC charged me fees for a time period when XXXX had the investments. I was not working with anyone in the months prior to transferring my investments from HSBC. When HSBC could not justify a fee payment, they took money without permission or informing me out of my Money Market account to pay themselves an unearned or deserved fee. That was the point when I severed all ties with HSBC ; I closed everything. I first moved my investments for XXXX reasons : a ) they were not at all helpful and responsive when I wanted to refinance y home at a lower interest rate. b ) After the persons I was working with left the company for other jobs, no relationship was established with me and when I made a request, no action was taken on my investment account. I am urging other to take heed and look for a bank that will serve you with integrity. XXXX ) Also, they cause me to loose over a thousand dollars by not cashing an old check. They took the check and gave me a piece of paper that the XXXX XXXX would not honor. They should have given back the check so that I could have had it reissued. XXXX egregious acts ... .stay clear.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American Express denied my credit application based on previous cancelled accounts that were cancelled due to a prior bankruptcy in 2000. Bankruptcy is allowed under the Consumer Credit Protection Act and American Express is being discriminatory by denying my application under the Equal Credit Opportunity Act based on my exercise of the Bankruptcy right in 2000.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03 00:00:00
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: ME

Complaint narrative:
My complaint is against NCO Financial, formerly XXXX. Enough months ago to have cleared up this matter BEFORE losing my tax return, my husband received a phone call from NCO. They identified themselves, and made it known that I had about {$6000.00} in student loan debt and they were looking to collect on it. My husband informed them that I had been paying on my debt to rehab it and things turned sour there. He asked them to please not call again. The next day we received another phone call from them, to which my husband was told what I owed and it was an attempt to collect the debt. Things got even more sour and they were told to not call again. This company has my address on file, I had to verify it upon my phone call today to find out why they had taken my student loan with out given me written notice of my debt. I was not able to obtain any information only told that they can help me clear up my debt by making an arrangement. I never at any point prior to today 's conversation was made aware in writing that I owed a debt. I am filing this complaint today because even though they made a phone call and divulged my personal information to someone who was not authorized to have that information, they have not sent me, in writing, notice of my debt and subsequently took my tax return, without giving me ample opportunity to made good on the debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
Refused to remove inaccurate information from my credit reports. 
Also information is over eight years old.they also refused to provide copies of original contracts or statements to prove validity of said debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
On XXXX XXXX, 2015 PHH Mortgage was faxed Notice of representation for XXXX XXXX XXXX requesting all correspondence be directed to our office as their legal counsel. On XXXX XXXX, 2015 a financial package was submitted to PHH Mortgage. PHH Mortgage did not send a confirmation of receipt of the financial package as required due to it being submitted 37 days prior to a sale date. A missing documents letter was not issued or sent to our office until XXXX XXXX via email from the banks attorney. PHH Mortgage has prevented the client from being reviewed for a loan modification by placing the file in a litigation status which prevents the client from communicating directly with PHH Mortgage. Our office has repeatedly requested updates from opposing counsel XXXX, XXXX and XXXX, XXXX. to no avail. After repeated request I was emailed a denial dated XXXX/XXXX/2015 on XXXX XXXX, 2015 almost 2 months after the denial. This also prevented the client from filing any appeal for the denial as it was provided well after the allowable dispute period. PHH Mortgage has not reviewed the file for a loan modification, has not provided a proper missing documents letter, did not provide the denial letter in a timely manner and has proceeded to schedule a sale date. Sale date must be postponed while the client is reviewed for a loan modification since PHH Mortgage has prevented the client from being reviewed for a loan modification since XXXX XXXX 2015.

Company response to consumer: Closed with explanation