vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
After reviewing the documents provided by HSBC Bank I noticed that my mortgage is overstated by at least {$6100.00}. 

The documents provided by HSBC Bank state that HSBC Bank provided me with {$120000.00} at closing ( see attachment B, E & F ). That is new loan of {$110000.00} and XXXX XXXX XXXX Grant of {$7500.00}. However, after adding the closing costs to the XXXX checks from HSBC Bank it reveals that HSBC Bank only could have provided a maximum of {$120000.00} ( {$120000.00} - {$6100.00} ) ( see attachment A, B & C ), the calculation is below. 

On attachment B-2 there is a {$300.00} charge which should have been paid to XXXX for review of recognition agreement ; I contacted XXXX XXXX XXXX did not receive this {$300.00}. Also, on B-2 there is a {$1000.00} charge for settlement charge. In a letter dated XXXX XXXX, 2016 from HSBC Bank ( See attachment A-2 ) it is stated that the {$1000.00} was made payable to my closing attorney. However, my attorney said that this was a bank charge and it had nothing to do with him. 

Attachment D-1 is the lien filed in XXXX County for the XXXX Grant of {$7500.00}. HSBC Bank did not file any lien for the mortgage of {$110000.00}. 

I need HSBC Bank provide me with a check for the overstated amount ; that is {$6100.00} plus interest adjustments. 

Principal Amount New Loan XXXX XXXX Grant XXXX Total XXXX XXXX HSBC Check # XXXX XXXX HSBC Check # XXXX XXXX XXXX ( XXXX ) Closing Cost : Origination Charges XXXX Appraisal Fee XXXX Credit Report XXXX Daily Interest charge XXXX Settlement/Closing Fee XXXX XXXX Search XXXX Government Recording Charges XXXX Flood Certification XXXX Tax Service Fee XXXX Review Recognition XXXX Construction Fee XXXX Maint to XXXX XXXX XXXX XXXX XXXX ( XXXX ) Total XXXX Add Back : Settlement/Closing Fee XXXX My attorney said he had nothing to do with this Review Recognition XXXX XXXX said did not receive this Construction Fee XXXX Paid by XXXX Grant Check Received XXXX Maint to XXXX XXXX XXXX - Pro-rated XXXX XXXX Total Overstatement XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL

Complaint narrative:
Debt collector indicates that the account in question was paid timely until the debt was purchased from the original creditor by the collector Which is not the case. According to the fair credit act the debt may only be reported for 7 years after the 1st delinquency which would 've occurred prior to the purchase. If the collector can not prove otherwise then the item should be removed from the credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL

Complaint narrative:
I open HSBC account, seeing his ads of XXXX bonus. I meet all the requirement, and now HSBC did not get me bonus and said I forfeit it, there is no point with it. They also saying they would allow do global transfer with XXXX service fee with premier account, the fact is they just give an error code and froze my account without my agreement and deny me do transfer money to US. It is definitely they sell fake service or they refuse to serve me ( transfer funds, having bonus ) as they promised.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Midland Funding LLC XXXX filed a Notice for Wage EXECUTION, by XXXX XXXX XXXX and I am currently on medical leave for XXXX XXXX. XXXX did wrongfully shared my information first to Midland Funding and sold my information to XXXX XXXX XXXX, my employer received a wage exception notice to garnish my wages in the amount of {$210.00} weekly. This garnishment is also filed with the Superior Court of New Jersey and I am disputing this wage exception with XXXX. I would also like to report XXXX XXXX XXXX for harassment and for filing this claim against me! I would like for this wage garnishment to be removed at once from the Superior Court of NJ, and a notice sent to my Employer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I completed an on-line complaint ( XXXX ) on XX/XX/XXXX regarding harassing calls from XXXX. Starting XXXX, it appears that the company is using another phone number to continue the harassment. The new phone number being used is XXXX. The only identification is " cellular call ''. I have " Googled '' both numbers and other individuals say that they also, have been harassed by both telephone numbers and that Midland Credit Management is the caller. The calls occur on a daily basis, sometimes multiple calls a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-20 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:
American Express sued me over a credit card debt that was from XX/XX/XXXX and won a judgement against me in XX/XX/XXXX. I filed Bankruptcy in XX/XX/XXXX and was dismissed in XX/XX/XXXX. The problem I have is when I called American Express to get the statements from them they told me they can not provide them to me for court. They refuse to issue me any statements at all so I could properly defend myself in court. I wanted to defend myself in court to prove that American Express wrongly double, triple and quadruple charged me for the same charge. For example, If i stayed in a hotel for {$150.00}, and asked American Express to move over into their monthly payment plan program, or I moved it over they would charge me up to {$150.00}, {$150.00}, {$150.00}, {$150.00}. I have repeatedly complain to American Express about this and they would fix it XXXX month and then the next month it would be back on the statement. The American Express bills would reflect exactly what I am describing. So when I went to court American Express refused to send me those statements so I could prove this in court. I asked the attorneys who sued me on behalf of American Express for proof that I owe this money and they could n't produce any statements. When my attorney asked American Express in court to prove that I owe these charges with statements they could not prove it in court. They still won in court a judgement for money I do n't even know, I had a professional accountant look at the statements and revealed that I over paid American Express by {$5000.00}. Now my wages are being garnished {$1500.00} a month to pay a credit card I do n't even owe. I sent a copy of this complaint to the XXXX Attorney General as well XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-20 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Barclays Bank on the XXXX XXXX Credit Card offered XXXX bonus points if I spend {$500.00} in EACH MONTH. XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX. 
However they claim I did not meet the qualifications because I did not spend enough money until my statement was closed ( XX/XX/XXXX ). 
The bank would have given me the points if I had spent at least {$500.00} in EACH STATEMENT however that 's not what they have advertised. 
They have advertised EACH MONTH. 

EACH MONTH is not equal EACH STATEMENT.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 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: OH

Complaint narrative:
I received several private student loans back in 2006. I did not complete school. I began to hear from something called the XXXX Trust which was confusing to me as I took out loans from XXXX Bank. I have since found out that XXXX Bank is not even permitted to issue these loans anymore because they would sell them to places like the National Collegiate Trust. According to my research these are passed around like stocks on a stock market. Anyways, I began to receive harrassing calls but I chose to ignore them because I had no idea who the XXXX Trust is. I then received a summons in the mail so at this point I called back. The lady on the phone told me it was about collecting student loans but that my prescence was not needed in court. I did not hear anything for almost a year. I imagine this is so the time allowed to appeal such a case would expire. They then began to try and garnish my wages. I was shocked that they were able to garnish 25 % of my wages. I had read with federal loans there are all kinds of programs to help people pay them back and set a max percentage of wages to be used. Unfortunately private student loans do not operate under these laws and they also are protected like federal loans from bankruptcy. How can this be? This is ridiculous. Not only is the amount they are claiming completely false but I am left with no options. Then I check my credit report and they arent even listed on it? How can this be? Are they trying to allow me to obtain a house or a car so they can use it against me? This makes no sense. The XXXX and XXXX this has caused is worse than any amount of money I can assure you of that. I cant be the only person in this situation either. I just want a fair chance to be a good contributing member of society and to the economy. Please will someone look at my case and tell me something can be done. Not just for me but people in my shoes as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15 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: VA

Complaint narrative:
I had a charge off from a Miltary XXXX card. The amount of the debt was XXXX. I was garnished byTransworld Systems. I paid XXXX in XX/XX/2016 and {$250.00} every month. With the garnishment and the payments made of to XX/XX/XXXX, I have paid the amount of {$3300.00}. I spoke to the company to see the status and they stated that I owed an additional {$1000.00}. I asked for a breakdown and they stated that they could not provide it. They stated that I owed {$4000.00} and I was still collecting interest every month. I requested a copy of the original debt and they refused. I asked how much of this debt was paid to the original creditor, I was told {$2900.00} and the rest went to them. I stated that the account should be paid in full. They just continued to argue and tell me if I would pay my bills then I would n't be in this situation. I asked for my payment history and the original debt. I asked them to remove my debit card from the account until further notice. He refused and stated that they will get their money. I do n't owe anymore so I do n't understand. I have paid the balance on the chargeoff of XXXX, I have paid an XXXX in addition to that amount and they are telling me that I owe {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-27 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
My home loan servicer ( mortgage holder ), Bank of America, will not comply with assisting me with a home loan modification, and/or mortgage assistance as prescribed by them ( and on their website ). I was denied a modification because of a previous modification and I was denied a forbearance with no explanation. XXXX options are listed on their website as available resources/options for clients in need of mortgage assistance, like my situation.

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 2016-06-21 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I lost my American Express credit card and called American Express. They said they sent me a new card. I never received the card. I tried to call several times but the wait is over 20 minutes. I got a bill for the annual fee. I called to cancel because I never received the card. When I called they kept trying to sell me on getting a " blue card '' and a big promotion they were having. I told the rep I just wanted the {$450.00} charge removed. He said yes for sure but I needed to apply for the blue card and must get a green card. He talked me into it so I agreed because I couldnt ' get him to just get rid of the card fees that i never rec 'd. A few weeks went by and AMEX only credited {$370.00}, not the {$450.00} they promised. I called several times but am not allowed to call from work. I work XXXX hours a day because I am a sole provider trying to support a family. My husband lost his job in XXXX. I can not call from work. I do not have time to call and sit on hold for 20 minutes. Today I called and sat on hold for 20 minutes. The rep, ID # XXXX said he did n't believe me and would n't reverse any charges and kept talking over me so that I could n't talk. American Express is now harassing their customers and telling them lies and making them sit on long hold periods to steal their money, how is this legal? He would n't do anything for me but harass me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-04 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I am submitting in regard to case number XXXX I had already filed a complaint and gotten a response. The XXXX bank done what they needed to do after investigating the initial complaint ( XXXX XXXX, atm didnt ' give money/filed all proper disputes/etc ) and they had responded saying that they had keyed in a credit thru their processor to American Express ( which is the card I had used at the atm ). Well, American Express has closed my card without my knowledge first and now I am wondering how I am supposed to get the credit that was keyed back in to my card?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29 00:00:00
Product: Credit card — 
Issue: Other — 
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
in regards to midland funding having not yet removed this time barred debt that has more than exceeded the time statute to legally collect from XXXX credit bureau. I contacted midland funding a month or so ago in regards to this time barred debt and they removed it from my XXXX & XXXX credit report but THIS DEBT still remains only on my XXXX credit report. Midland funding already did so with the other XXXX credit bureaus ( XXXX & XXXX ) so they must have forgotten to do the same with XXXX. This time barred debt that has more than exceeded the statue of limitations MUST BE REMOVED IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
There was a charge from XXXX for XXXX $ that I did not authorize. I disputed the charge with in minutes of the transaction, but American express did not research the transaction and awarded the company my money, even though it was against my will. 6 months later they have refused to address the issue, and now that it 6 months later, they refuse to re investigate it. I have contacted them every month, if not more to keep up with the charge. Every time they promise to contact dispute resolution, and have the issue rectified. Every time I call back, they say the previous action did not occur. They have aided this unauthorized charge.And at this point, I consider it aiding in theft. Every time I call I 'm on the phone for more than an hour.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 00:00:00
Product: Consumer Loan — Pawn loan
Issue: Payment to acct not credited — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: WA

Complaint narrative:
I have a line of credit with HSBC on XX/XX/2007 they sold my loan to XXXX on California the terms of my loan was for 72 months. For XXXX this guy sent me a letter for the same amount for the last ten years paying him he charge Me loan areage interest I do not have any XXXX form from him the last ten years he say he forclosure my house if don pay him and he charge me for his lawyers fees. No statements from him just treating lettets

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
You are in violation of the fair credit protection act. You have failed to remove in accurately reported information. As previously stated, XXXX XXXX has never visited XXXX or been treated by them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I was attending XXXX XXXX, XXXX ( formerly owned by XXXX ) from XXXX XXXX until they unexpectedly shut down in XXXX XXXX. I was 3 months away from graduation when XXXX shut down and I was not allowed to finish my program but was left with HUGE debt and a damaged credit score. I got NOTHING in return and I am now bombarded with phone calls regarding my debt EVERY SINGLE DAY! Referring to an article posted on Consumer Finance 's website on XXXX XXXX, XXXX I was " harmed by XXXX predatory lending scheme '' and lured into taking out private loans with very high interest rates. They advertised bogus job prospects and career services on television, online, and brochures. Students were forced to buy expensive overpriced books that were either never used in class or opened XXXX times all quarter. According to the bulletin XXXX ( owner of some of XXXX schools ) agreed to remove negative information from student borrowers ' credit reports ; however, I am to this day still seeing negative credit report history and my credit has dropped by almost XXXX points.These " XXXX '' were owned/ran by the school and when it had to close were then consequently sold to University XXXX XXXX ( XXXX ). I worked hard to get my credit score to where it was, I had XXXX late payments and now I have a credit score below XXXX and XXXX late payments thanks to XXXX. I receive countless letters in the mail ( almost one a day ) and more then XXXX phone call from XXXX regarding my loans a day, every single day. Many promises were made by the school, its ' employees, and its ' ownership and not XXXX was met. The financial opportunity to make money from students in need of a better life was seen by XXXX and they lied and failed to do what they should have done. If I take out a loan and I leave, I still have to pay that loan back. But if I take out a loan and the SCHOOL leaves, I should NOT have to pay anything to an institution that cost the jobs of many people, hurt people financially, lied, cheated and wasted the time of the students in the schools that were owned by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: WA

Complaint narrative:
I had to go to XXXX XXXX XXXX Hospital in XXXX, Maryland on XXXX/XXXX/XXXX with XXXX. Before going there I checked and confirmed with my insurance that they were an in-network healthcare provider. I submitted my insurance card at the XXXX XXXX Hospital XXXX. The doctor who saw me was XXXX XXXX. In dues course of time I received bills from XXXX and paid them immediately. Yet this doctor ( XXXX XXXX ) and her outfit ( XXXX XXXX XXXX XXXX ) failed to bill my insurance for several months. Instead somehow billing my wife 's insurance ( different from mine ) and even received payment from them. They did not submit a claim to my insurance and then sent my account to collections. Once I found out about this situation I called them but they still did not submit a claim. Finally I was able to get my insurance to contact them directly and have them submit a claim in XX/XX/XXXX/XX/XX/XXXX. My insurance company ( XXXX XXXX XXXX XXXX ) processed the claim and told me my responsibility to pay is {$160.00}. Yet this company, Maryland XXXX XXXX XXXX XXXX is insisting I owe them anywhere from {$750.00} to {$390.00} ( it varies ) and have been hounding me with a collection agency ( Transworld systems ). I have faxed them the claim statement from my insurance but they have ignored it. I would like to report this company for fraudulent over-billing and request that your Office take appropriate action against this company/doctor and also help resolve my issue. 


XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I received an American Express rewards card for {$500.00} which expired six months from the time of receipt. I used up the balance before the card expired. Several months after its expiration, I had to return an item I had purchased with the card to XXXX. I requested an XXXX credit but they mistakenly sent a refund to the expired card. Since the card was no longer valid, this should have been bounced back to XXXX but somehow it went through. I contacted XXXX and they are not able to get the money back from AE. I have since called the company on nine different occasions asking to have the money returned to me. They repeat that balances left on the card at expiration are forfeited, only this is not the case here. When I explain this to them, they tell me that they are escalating the issue to another department and will be in contact with me but in the month that I have been trying to resolve this, they have never contacted me.

Company response to consumer: Closed with monetary relief