vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-28 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
On XXXX XXXX, 2015, I mailed a qualified written request ( a " QWR '' ) to my mortgage loan servicer, HSBC, in which I requested : ( 1 ) the identity of the owner of my loan ; ( 2 ) any restrictions in the applicable servicing agreement or investor guidelines that would bar capitalization, rate reduction, term extension or forbearance of principal, or that would otherwise prevent HSBC from modifying my loan ; ( 3 ) a description of the loan modification programs, and their requirements, for all loan modification programs HSBC will review me for ; ( 4 ) an itemization of any costs, fees, and expenses charged to my account since I defaulted ; ( 5 ) a description of HSBC 's efforts to establish live contact within 36 days of my delinquency to inform me about loss mitigation options ; ( 6 ) a copy of the written notice required under 12 CFR 1024.39 ( b ) ; and ( 7 ) a copy of the log HSBC maintains for the servicing of my account since the date of my default. This QWR was delivered to HSBC on XXXX XXXX, 2015. 

On XXXX XXXX, 2015, HSBC responded to this QWR by mailing me : ( 1 ) the mortgage, ( 2 ) the note, ( 3 ) the HUD-1, ( 4 ) the payment history, ( 5 ) Quick Reference Transaction codes, ( 6 ) the Truth in Lending Statement, and ( 7 ) loss mitigation letters. 

HSBC failed to provide me with : ( 1 ) the restrictions in the applicable servicing agreement or investor guidelines that would bar capitalization, rate reduction, term extension or forbearance of principal, or that would otherwise prevent HSBC from modifying my loan ; ( 2 ) a description of the loan modification programs, and their requirements, for all loan modification programs HSBC will review me for ; and ( 3 ) a copy of the servicing log for my account since the date of my default.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
I order an item and before I received the item I cancel the order. I tried to dispute the charge to my card, but American Express refused allow me to file a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I am being sued by Midland Funding , LLC. for a XXXX credit account. 

In XX/XX/XXXX I was offered a debit relief settlement over the phone. I was to make the payment on or before the account due date. When I went to make the payment at the store the account was closed. 

The summons from Midland Funding , LLC shows in a statement that the account was closed prior the to the due date. 

Documents presented by Midland Funding LLC do not include any arbitration information for the account and serve to further my claim the account was closed prior to the due date. 

The court date is XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-01 00:00:00
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I was having financial difficulties and turned my credit cards over to a company called XXXX. They negotiated payment plans with my creditors. I completed the program and paid off my debts in full as of XXXX 2016. I am having trouble with American Express. While I was in the program they reported my payments to the credit bureaus as either on time or reported nothing. But when I paid if off in XXXX of 2016 they changed their reporting to the credit breaus to " XXXX Serious Delinquency Charge Off '' and listed the amount I paid off which was over {$12000.00} as the " charge off. '' All the other cards I paid off through the program report me as paid off and on time. But American Express makes it look like I defaulted. American Express uses a " customer service '' number of XXXX for help with credit reporting. They are no help. I 've discussed this situation with them 4 times. First time I spoke to them they tried to say there was a period of 6 months in which they received no payments so I provided them a copy of the letter from American Express that I completed the program and paid in full and documentation from XXXX regarding all the payments, amounts and dates showing it paid in full. The " customer service '' number appears to be an international call center. All they say is once a serious delinquency charge off is done they ca n't fix it. I sent them all the documentation and explained that it is a clerical error on their part, still they say that there 's nothing they can do. I 've asked to speak to a supervisor and they said one would call me back with in 48 hours but that was like a week ago and I 've yet to hear from anyone. If they 're not going to provide any customer service as this number they might as well just have a recording. I 've tried various other American Express numbers as well to see if I could find a person to help me fix this. But they all refer me to the same customer service number even when I explain to them that no customer service is taking place at this number. I have filed investigations with the documentation with all XXXX credit bureaus. But this is all very time consuming and I am trying to refinance my house and this is holding me up.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
The gift card I bought was already used up so there was no money/balance on the gift card and American Express is refusing to help ( it is an American Express gift card ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Former employer is making me responsible for business expenses incurred. I am not sure if expenses were due to fraudulent activity. Company would not give me statements. I sent Credit Card company payment for expenses I was responsible for. I am being told to pay expenses I DO NOT OWE. Company sent me letter if I DO NOT contest in 30 days I WILL BE responsible for amount. Please advise. Please help me protect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
I RECENTLY RECEIVED A LETTER OF GARNISHMENT FROM MY EMPLOYER. I CALLED THE LAW OFFICE OF XXXX XXXX XXXX LAW FORM TO CONFIRM THIS WAS ACCURATE. 
THIS COURT NOTICE WAS ACTUALLY SENT TO THE WRONG ADDRESS AND DID NOT MAKE IT TO ME IN TIME TO SETTLE IT, SO NOW THEY ARE GARNISHING MY WAGES FOR 25 %. THIS IS RIDICULOUS. IF THE CONTACT INFORMATION WAS CORRECT INITIALLY THIS WOULD HAVE BEEN TAKEN CARE OF AND WOULD NOT HAVE GOT TO THIS LEVEL.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I cancel the credit card because I was unhappy with the customer service and the business practice. The credit card was cancelled XX/XX/XXXX but despite numerous attempts to close the credit card account ( each time I was told the error had been corrected, the account was closed with XXXX balance ). These attempts including reach out to Consumer Financial Protection agency ( Case # XXXX & XXXX ). So far, I have XXXX written confirmation letters from HSBC pertaining to the closing of credit card. But despite the confirmation letters, HSBC decides to harass me yet again about the account that I close XX/XX/XXXX and demand payments. There is very little an individual can do against a big financial institution like HSBC. I was diligent in making payments, contacting the bank to close the account and I have the letters from HSBC confining it is close. But none of this matter when HSBC can decide to send me a statement demanding payment and and resume the harrassments. Even letter from HSBC with the agency case number does not stop the bank to come after me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-12 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I have a American express by bluebird prepaid debit card I withdrew XXXX $ from a atm that I went to because there were no fees to get cash so anyhow the money was never dispensed but came out of my account still the banthat I used the atm at said there 's nothing they could do and said I had to time a dispute with the card carrier so I filed one and the told me it would take 10 to 45 business days to get back in other words since they were n't going to review my situation for 10 business days and then once the review my situation they may have more questions that I half to respond to and then up 45 days to review the questions I answers back. I know the there are laws set by the government and they are breakimy them since they are n't largely regulated

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I was sued by Midland Funding llc back in XXXX. They sued me aftervthey supposedly purchsed XXXX charged off credit card debts. After inpaid sn attorney to negotiate thiese for me they have still continued to harrass me for payment. I have also paying a law firm called XXXX law fow over 2 years to help get my credit back so i can keep my business going an be able to survive. After thousands of dollars to XXXX law they were able to get my credit scorse back to whete i can finally get the help i need. Just recently on XXXX XXXX they got midland funding to remove then negative items from my credit reports. I am still making my monthly payments to them thru a law firm called XXXX After they removed these itmes my credit score was marked good snd i was about to go try to get a business loan to advance my business. Now after all this just today XXXX XXXX only about 2 weeks after it gets fixed they now put these itmes back on my report. Now my scores have gone down again over XXXX points. They knew i was working with a credit repair law firm simce they kept sending me letters saying they did not have enough information to process my requst to verify these items because they felt it was requested by a credit repair agency. I do feel they have once again violated the credit protection laws and have deliberately attacted my credit again. I feel they should now be required to immediately and permanently remove these items as well as pay me for this attack. It is hard enough to get by the last few years without being attacked by a junk debt buyomg compant that is only out to scsm hard working people out of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I filed a complaint with CFPB about my American Express Account. I received a letter from American Express, in light of your investigation, stating that my account would be re-aged and the delinquencies would be removed. I have since filed XXXX disputes with XXXX regarding my account, attaching the letter I received from American Express. After much frustration, I called XXXX and explained what happened. They told me American Express uses a different account # from my actual credit card # when reporting to credit reporting agencies. They said the would send the letter to American Express to verify. I just received their investigation and once again, the account has not been re-aged as stated in the letter I received from American Express. To add insult to injury, American Express now has my account as being closed in XXXX, not XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I paid my credit card bill in full three days after the due date. I was charged interest, and then paid the next month 's bill in full before the due date. However, I was charged interest a second time despite having paid the balance in full twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Purchase a Phone from Best Buy i.e, XXXX wireless phone paid full amount with my credit cards of {$840.00}. Exactly after a month that is around 26 to 28 days i found that the screen is having Many dead pixels on the display and went to the store that i bought phone, they advised me to go to XXXX wireless for the replacement and went there they asked me to visit bestbuy for the replacement device. Went back to Best buy and they stated they ca n't issue the replacement and again directed me to the XXXX store. This continued for 3 to 4 days so i Have filed my dispute of the charge with CITI visa card. After two month i got the response from the bank that the Dispute was in the favor of the Merchant. I am in a delema and called CITI bank the response was I have to deal with it and they cant assit me further. Even hinted me to get a lawyer or XXXX party people to have this going on forward.

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 explanation
Consumer complaint received 2016-08-21 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: VT

Complaint narrative:
In XXXX I was approved for and received my American Express Platinum card. I began using it and eventually reached a spending threshold which awarded me XXXX of their Membership Rewards ( R ) Points, as promised. On XXXX XXXX I was charged their {$450.00} annual fee and I have continued to use this card and have no balance due at this time. After other charges I now have, as the time of this writing, XXXX points and my Membership Rewards ( R ) Program Number is XXXX. My credit card ends in XXXX. I have been a customer of American Express for decades and have good standing with them and good credit as well. I followed any and all terms and conditions for this card when making purchases and for earning or trying to use points. 

These points can be used to transfer to airlines or other services for travel or commerce by simply linking the American Express account online with other listed programs such as airline accounts, etc, and then make an online transfer after filling in their online forms. I have done this in the past with American Express Member Rewards Points transferring them to my XXXX account. In XXXX I tried to do another online transfer of XXXX of my points to XXXX XXXX and received the following error online : " Unable to process your request We are unable to complete your order. Please do not attempt to resubmit the order, as this will only delay the process. Please contact us at XXXX between XXXX and XXXX, Sunday through Saturday. '' I called American Express and spent no less than 45 minutes on the phone being transferred up a chain of CSRs and supervisors, all who thought my account was fine, and eventually reached someone who told me that my account is being reviewed at the corporate level, which could take 6 - 8 weeks. She could not tell me anything else. In other words, my points, which I properly earned, can not be used. Why are they in my account if they can not be used? I think American Express is pulling a bait and switch of sorts if it offers something like this but now does n't let its customers actually take advantage of it. If they have some sort of internal issue being worked on by corporate, they should have solved that before hand on their time and stop wasting mine. I have actually visited online forums and have learned there are many others with this card experiencing the exact same issue. 

What I want is for you to help me get them to release any hold they have on my points and NOTIFY ME IMMEDIATELY without me having to contact them and fight for an answer again. Why did I pay {$450.00} for a card that has no intention of letting me use its benefits?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-04 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
XXXX had my brother to take out XXXX different loans with XXXX. The total is well over {$10000.00}. I am the consigner on this account and at the moment I am the one paying this bill. I am a current student, a mother, a wife ( of a XXXX service member ) and I ca n't afford and never could afford this bill that is now over {$400.00}. I 've kept the bill in deferment. up until recently and it was sold to another company for payment. I would like to stop paying this bill. As the cosigner, I would like to know how can I get relief from this bill. My brother has n't paid this bill since he left school in 2013. Everything that I read that they will do to a student they did to him ie pulling him out of class threatening to keep him out of school if he did n't make a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 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: TN

Complaint narrative:
Midland XXXX has called twice regarding XXXX card. Claiming we are behind. I have called XXXX, we are not behind. The address Midland sends the delinquent notices to is not our address, nor have we ever lived there. Midland tried to get acct # and SS #, we did not give them any info. The first time they called, the caller was very rude and pushy.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-24 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: FL

Complaint narrative:
I am victim of ID theft ; my Identity was compromised. I believe that one or more tenants who moved into previous addresses i have resided have used my personal details to open accounts in my name. I have never held a utility account with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
My husband and I got a loan modification and signed the papers in XXXX. We signed them and returned them. Our trial payments started for XXXX XXXX. When the bill arrived for XXXX it 's said the balance due and then it said we were late and we owed double the payment. I sent the single payment and also sent a copy of the agreement showing the XXXX payment was due on XXXX XXXX. I then followed up by called the XXXX number and it said our payment was made and the next payment was due on XXXX XXXX. We then paid that payment on XXXX XXXX. I kept calling the XXXX number to check the status but it kept saying our payment was due XXXX XXXX but never changed even though they cashed out check. When I received the new bill for XXXX it showed our payment but now it is showing my applied as XXXX trial payment. I sent copies of our agreement with the payment schedule and the copy of the post office receipt because I sent it with tracking. The new bill for XXXX says we owe our full mortgage. We have paid our trial payments on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I attended a technical institute in NJ and took out a loan thru XXXX. I was sent to collection. Transworld Systems Inc has sent me an attempt to collect a debt. I am trying to pay my debt of {$10000.00} but they are charging me {$2600.00} as a collection charge. That is nearly 25 % of my debt. This seems outrageous for a struggling economy to charge that much.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29 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: OH

Complaint narrative:
I attended XXXX XXXX XXXX and because I was n't able to get enough Financial Aid to cover the classes, they offered a " Temporary Credit Agreement. '' This meant that I could take classes without paying for them until I graduated. I have paid on the " Temporary Credit Agreement '' since I XXXX in 2013, but recently XXXX XXXX XXXX closed. I do not believe that their promise to help me find a career was fulfilled, and now that they are closed this will remain the case. Since their accreditation is under scrutiny, I feel I am paying for classes that did n't provide me with the education I paid for. Now that XXXX XXXX XXXX is going through bankruptcy, I ca n't get any information on how to forgive the " Temporary Credit Agreement '' through the collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
I left my job and had a corporate American Express card. I turned the card in when I left, but after that a bill came in for equipment that the company purchased. The company should have paid the bill but did not, possibly because the only notice given was to my company email address which no longer existed, and no paper bill was sent because the company had requested paperless transactions. I received no notice until 3 months later by mail, by which time there were late fees conveniently greater than the original bill. Now AMEX calls me every night, but I keep telling them the bill does not belong to me but to the company. They are threatening to cancel my personal account and attack my credit rating if I do n't pay this bill immediately, even though it does n't belong to me.

Company response to consumer: Closed with explanation