vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-05 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Fees — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I was sent an American Express rewards credit card with a {$50.00} credit balance issued as a rebate after the purchase I made from an online retailer. 

The initial card was lost in the mail ( I believe issued around XX/XX/XXXX ), and another card was re-issued to me in XXXX 2015 after I filed a claim stating I never received the first card. A {$2.00} monthly maintenance charge was assessed in XXXX and again in XXXX. 

After speaking with customer service, they informed me that the back of their cards states 'Subject to applicable law, a {$2.00} monthly fee will be assessed against the card balance starting 5 months after card issuance. Funds do not expire. " Based upon the original card issuance in XXXX, and regardless of the fact that I never received it, they said they begin assessing fees beginning at the 5 month point and they can not reverse the fees. They also said that they would not be willing to issue another card for the amount of the fees reduced. 

I told them that this is a violation of The Credit Card Act XX/XX/XXXX, as Gift cards are prohibited from charging fees during the first 12 months from the time of purchase, and that I was going to file a complaint with the CFPB. The supervisor I spoke to said he would notate the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
In 2009 I moved from on post government housing to a new home and transferred my home phone to my new residence. A few months after I started receiving letters from XXXX stating I had a outstanding bill. I explained that my account is still active that I only transferred my line and my account was current. I did n't hear anything else from them reference my bill. About 6 months later I started receiving mail from MIDLAND FUNDING stating they were attempting to collect a debt. I informed them that I still have verizon services and current with my bill. The rep stated that they 're only trying to recover the debt. I asked not to contacted any more about the account and would deal with XXXX myself. I tried several times to get someone at XXXX to find this mysterious bill with no luck. In XX/XX/XXXX I deployed and came back to more letters from MIDLAND FUNDING trying to collect the debt. They said I owed over {$300.00} but was willing to let me settle for a little over {$200.00}. So I gave in and just paid them because I can not allow any negative hits or collection on my report due to the nature of my job. I just recently sat down with my financial planner and on my Experian credit report there is a collection on there from MIDLAND FUNDING which I paid the settlement amount in XX/XX/XXXX. I 'm really upset at the fact that I paid a bill that no one could give me information about. MIDLAND FUNDING is being held accountable for placing this on my report and it does n't reflect that I paid their settlement offer. I tried to do the right thing by contacting XXXX in regards to the debt but no one can answer or find my information. I would like for MIDLAND FUNDING to remove that collection from my report because I do n't believe it was owed and I paid the settlement almost 3 years ago. This is negatively affecting my credit score and can effect my job security. I appreciate any assistance you can provide me. 

RegardsXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-01 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IN

Complaint narrative:
1. The first complaint that I have is that I requested a loan modification XX/XX/2015 because I was unable to make my payments at the current rate and I was approved. I followed everything I was supposed to do according to the verbal conversation I had with the representative. After I mailed the 4th payment I received a letter telling me the loan mod was cancelled because I had not sent back the paperwork. I called and asked what paperwork they said the modification agreement. When I requested them to send it back out so I could sign it, their response was no we will not send the paperwork again, we are returning the last ( 4th ) payment made and to not make any other payments at the modification amount, and to contact a HUD agent. 
2. After working with a HUD agent for the last 6 months, we have been offered a new loan modification agreement. This modification agreement has worse terms that the last one. Examples of these terms are the interest rate and the length of the modification. 
A. I was told the 11.9 % interest rate would go to 5.57 % for 5 years and then would increase by 1 % until it reached the cap, which is current market interest rate. This was in the preliminary loan mod paperwork. Which my HUD agent and I called to get verification on so we could make an informed decision before sending in the {$1500.00} payment required to start the modification process. However when I received the paperwork to sign and send it back it said the rate was 6.232 % and after the 24 months it would go up it would back to the 11.9 % interest rate. 
B. This new modification is for only 24 months not a permanent resolution to the problem. The last loan mod was a permanent fixed modification. 
3. The new loan modification paperwork I have received says that the balloon payment is no longer required but is unclear if it will come due at the end of the 24 month modification or the end of the loan or if it completely gone. All of these answers have been given to us by several " mortgaging specialists '' at HSBC when we have called to get clarification and none of these answer are put into writing give confirmation of what answer is the correct answer. 
4. Deferred Interest : In the modification agreement I received it claims over XXXX dollars in deferred interest. When asked about this we were not given answer on who authorized and agreed to this. I was told on the Phone with my HUD agent present the last deferment was made in XXXX 2015, which I had no knowledge of, did not ask for at the time, and was not notified of the deferment. HSBC took it upon themselves to do what they wanted without consulting or notifying me about this. 
5. Then all on the same day, my HUD agent was notified I was approved for the loan modification, I was sent the preliminary paper stating that I need to mail the XXXX payment to start the modification process, and they filed for foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: MOHELA
State: CA

Complaint narrative:
Despite my previous mail correspondence, Mohela has failed to investigate and rectify errors contained on my credit report. Thereby you have violated the Federal Credit Reporting Act, due to which I have lodged complaints with the Federal Trade Commission and the California Attorney General 's office. I am allowing you 30 days to rectify the erroneous information ; your failure to do so will result in my filing suit against your institution. 

INCORRECT TRADELINES : 1. XXXX/Mohela -- Ac # XXXX ... This item is inaccurate because the creditor nor XXXX XXXX XXXX furnished proof that this debt was late. I am requesting that this information be deleted to correct the information and an updated credit report be sent to me. I am enclosing a recent credit report, which indicates that this account continues to reflect on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MO

Complaint narrative:
I have has a second mortgage with HSBC since XX/XX/2006 at the rate of XXXX %. I have paid my mortgage on time but, after all these years my loan amount have only decrease only by {$4000.00}, and on top of that at the present time I work only part time and my spouse is on a set income. We have request for HSBC to extend our home modification on our loan because of our circumstances have not change. The modification was for only XXXX months before it ended. This is the interesting part about my situation. We received a loan to update our home for {$39000.00} about XXXX years ago. I pay {$460.00} for XXXX and half years and the rate of the loan only decrease to {$35000.00}. This mean I will never pay this loan off. I have pay them if my math is correct we have pay a total of {$44000.00} for the total of the XXXX and half year. I have pay this loan off with an additional {$5000.00}. This companies have railroad people for years and need to be put out of business. This is truly example of predator lending because you are trap unless you let go of your home. Is there something that can be done for financial companies such as these.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
im being billed for a credit card that is not mine over 7 yrs old they been stealing my tax returns the orignal creditor is first consumers XXXX XXXX XXXX XXXX account number is XXXX want it droped of my credit report and i want all my money they stold back with intrest

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-19 00:00:00
Product: Credit card — 
Issue: Sale of account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MD

Complaint narrative:
HSBC is reporting a credit card that was transferred / sold to another company as a charge off. This is in violation of the FCRA as an item that has been sold can not be listed as a charge off by the company that sold the debt. HSBC has not addressed this concern in my prior requests to them. They are causing damage to my credit and I intend to litigate this matter. I contacted the company they sold the debt to and I was advised that they are no longer reporting this account as of 2010. However the original creditor HSBC is reporting it as a charge off but they profited by selling it to XXXX XXXX. HSBC has been less than helpful in attempting to resolve this concern and continues to cause me more damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26 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:
Credit cards were charged off.companies that purchase written off charges buy old dedits sue me for loans I did not take with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I challenge the adverse account designation of HSBC AUTO FINANCE on the basis that it is inaccurate, incomplete and reflects a debt that is not mine and that payment accommodations were made but not actuated by HSBC. HSBC violated its agreement regarding payment on all matters which are at issue. Payment was available when scheduled but HSBC transferred the account to XXXX, resulting in untimely and inaccurate accounting and taking of payments from my account. This adverse account must be removed from my credit report. Credit reporting is inaccurate and incomplete. 

BackgroundDuring these periods I had to change my bank account because I found that an online company had compromised my account by taking funds to which it was not authorized. A new account was obtained only to find that the bank transferred the bad and unauthorized payee to the new account. This caused problems in late payment on XXXX 2009, XXXX 2009 and XXXX 2009. I had called HSBC and was informed that they were transferring the account to XXXX XXXX XXXX and that their computer system had problems in the transfer during the months of XXXX, XXXX and XXXX of 2009. 

HSBC indicated that the payment arrangements I had and made to preclude any problems would be acceptable, however, that was not the case or actuality of theiractions. Accommodations were made for timely payment but not fully instituted when HSBC transferred their accounting files to their new partner, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Transworld Systems Inc. is trying to collects a debt I do not owe from their client XXXX in XXXX Texas XXXX. I NEVER signed any documents, never received any copies of my signature of a membership due to the membership being a gift from my mom. Because of a gift, I owe XXXX and do not wish to pay the amount due to something I never signed up for. I want this disputed and off my credit report. Every document has my mothers signature, Please talk with this company and remove me off the list and all lists. Thankyou

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 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: PA

Complaint narrative:
My bother passed away on XX/XX/2016. He had a home equity loan on the old family home with Beneficial XXXX. He owed them a little over {$40000.00}. I was named the executrix of his estate. I knew he had a life insurance policy on this loan, but was n't sure how much or what it involved. When I called to tell them about his death, I asked about it. Of course they could n't give me any information. So I faxed them the death certificate and the short form. I did n't hear from them on any resolution to the situation. I had an estate attorney try to get somewhere, because the house is in limbo and they keep adding late charges. The estate attorney after numerous communications and requests for information finally found out that there was a {$60000.00} life insurance on the loan, which is more than sufficient to pay off the loan. I signed the beneficiary forms and they were sent to wherever they had to go. Now I am receiving foreclosure letters ( both registered letters and regular mail ). I am beginning to feel harassed. Plus the late charges now have the loan up to almost {$45000.00}. I really want this matter settled. If anything they owe me {$15000.00} from the life insurance. What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 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: TX

Complaint narrative:
sent certified letter for validation and cease and decist all communication dated XX/XX/XXXX to XXXX Midland Funding XXXX I received a letter dated XXXX that they ca n't validate debt and they have ceased collections and closed account. i have received calls from XXXX XXXX to my fax # XXXX XXXX so i called it due to numerous calls and it was in regards to midland funding the disputed account and cease and decist filed on XXXX XXXX, 2015 i informed the man that they are in violation of FDCPA cease communication also trying to collect on an account that is disputed and also past statues i could only go back to XXXX but these are the dates and times of calls From XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX, XXXX XXXX ; XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX XXXX ; XXXX XXXX, XXXX XXXX ; XXXX XXXX, XXXX XXXX ; XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX, XXXX XXXX ; XXXX XXXX, XXXX XXXX ; XXXX XXXX and today XXXX ; XXXX XXXX ; XXXX XXXX i do have copies of all letters and response sent to agency

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26 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: GA

Complaint narrative:
I am receiving several phone calls each day XXXX since XXXX 2014 XXXX from a debt collector. They do not identify themselves as a debt collector, but I have called them XXXX times to have my number removed from their database as I do not owe any debt ( which they have agreed ). They say it is a mistake and they will remove my number but they never do.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL

Complaint narrative:
In XXXX, I and my ex-husband applied for a refinance & HELOC from Beneficial. The loans were granted. My ex-husband passed away XXXX XXXX. At this time I contacted a lawyer to determine my options for having my husband removed from the title to the property and mortgage. Lawyer took care of having husband removed from the title. I recently attempted to apply for refinance to remove him from the mortgage and take cash out. I learned through an attempt to refinance I was unable to refinance the property due to there is no deed from XXXX found indicating my interest in the property. The only deed filed with the XXXX County Illinois Recorder was in XXXX with the original purchase of the home in which my ex-husband was the only one listed on the deed. Beneficial did file a mortgage on XXXX, XXXX on the property. I am just outraged at this point that I took out a loan on my home, yet it was never deeded in my name as one of the rightful owners. Now I am being denied the ability to refinance at this time because I can not show that I was the rightful owner of this property prior to XXXX/XXXX/XXXX when my children quit claimed their fathers interest to me. I am just sick of this company and the way this company misleads and XXXX over customers. I am technically being forced to remain with this company because I can not secure financing with another reputable company because I have to wait anywhere from 6 - 12months to refinance, because the property I have owned for over 20 years and paying on for over 20years is considered inheritance since it was just quit claimed to me XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Sarma
State: CA

Complaint narrative:
I am trying to work out an arrangement with Sarma Collections so that I can get them off my credit report. I have tried calling them and nobody calls me back or answers the phone. A women answers but says she needs to transfer me to collections and transfers me to a line that nobody answers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I received a letter from AMEX regarding my XXXX AMEX card. It informed me that my interest rate had been increased to 27.24 % due to a penalty. Upon calling them I was told my last months payment was received on XXXX/XXXX/15, 3 days late. I got a copy of my cancelled check showing, on the back, that it was deposited into the AMEX bank account on XXXX/XXXX/15. I had to spend several minutes on the phone trying to convince them that they were in error. 
They finally said they would return the rate back down and remove the late fee of {$38.00}. I could not however, get verification of this nor was there an avenue for me to send a copy of the cancelled check. 
Im complaining on this forum because of their lack of proper accounting and, in my opinion, attempting to make money by lying to people regarding the timeliness of their credit card payments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-04 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Ive been getting calls and they do n't leave a message. I 've had a comminication issue witg this company im the past

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-14 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
Solicitation from American Express for premier rewards card with no clear and distinctive reference to it being a charge card. Furthermore it is to paid in full at end of the cycle and no clear and distinctive reference in the entire contents of the solicitation. 
Letter from American Express customer advocate services team states the pay over time with information with the APR are in a separate letter. 
Conclusion of such practice is Consumer misleading with no clear disclosures and enticing offers that could be a potential debt trap.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
Our law office represents a client who has a mortgage with HSBC. We called simply to get the accurate address to send a " Notice of Error ''. We spoke to the HSBC representative at XXXX after dialing XXXX. She refused to give an address to our office so we have used the address for " Error Resolution '' on their website, HSBC, XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 00:00:00
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
American Express XXXX Cash ... .states my balance online as Current Balance $ XXXX Credit $ XXXX Balance $ XXXX made a payment on XXXX day of new biling period ... not reflected in outstanding balance-this balance includes as though not paid and adds fees ( late & interest ) not due until end of billing statement..I contacted them XXXX times online chat they disconnected me each time. I called them first and they gave me argument over how it should be stated. This is false advertising for other credit agencies -- until they reduce the amount by at least my payment and is not truth in lending making it appear as though I did not pay past due or previous month!

Company response to consumer: Closed with explanation