vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA

Complaint narrative:
RE : XXXX-PRIVILEGED AND CONFIDENTIAL INFORMATIONCOMPLAINT : XXXX : XXXX XXXX XXXX XXXX New Jersey XXXXDear Consumer Financial Protection Bureau:XXXX I did not sign the application, and this is very clear from the paperwork HSBC has provided. The original application does not have my signature, and whoever singed XXXX is forgery which is illegal. 

XXXX. Again, I diligently sought legal representation and MOST IMPORTANT, I rescinded the deal within 3 day window. 

XXXX. I never received the truth in lending disclosure. 

I have invested and spent FAR TOO MUCH TIME AND MONEY INTO THIS ENCUMBRANCE and it is not My burden to bear any longer. This house located at XXXX XXXX XXXX XXXX, NJ XXXX has been paid for XXXX. This house is a SURE EXAMPLE OF PREDATORY LENDING. The property has been under contract XXXX times since 2014, and XXXX home loans refuses to LET GO. There is no way this property appraised for {$200000.00}. 

Again, GET THIS PROPERTY OUT OF MY NAME. RIGHT Now, there is a contract for a short sale and XXXX loans is holding the deal up. Enough is enough, either convince XXXX home loans to proceed with short sale ( including no deficiency judgments, {$5000.00} relocation fee for Me, XXXX XXXX XXXX, and total debt cancellation ), or MAKE THEM. Realtor is XXXX ( XXXX ) real estate XXXX XXXX ( located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Phone : XXXX, fax : XXXX, email : XXXXXXXXXXXX ). 

XXXX and XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
My business partner, XXXX XXXX, had opened up an American Express credit card sometime XX/XX/XXXX last year, XX/XX/XXXX. The CC was opened without my consent but included my name and my business name on it : ( can not include my name per instructions above ) and XXXX ( my business ). I hold 50 % of the business and I am the full investor of the business. I was aware of the card because it was presented to me XXXX after it was issued but I never approved of the card/credit. I do not understand how AMEX allowed to issue a credit card with my business name and my personal name on it without speaking to me. What truly makes me upset is that AMEX allowed XXXX XXXX to cancel my account XX/XX/XXXX without my knowledge. XXXX cancelled me out so that he could do whatever he wanted to : personal vacations, gas, dining, shopping, you name it. I called AMEX many times but they will not give me any info on transactions simply because my account no longer exists XX/XX/XXXX. XXXX has been making pmts to AMEX out of my business checking account ; charges are worth of XXXX and plus, which is effecting my payroll account and business operations overall. Because of XXXX large withdraws from the business account, I was forced to contribute my own personal money into the business to save all accounts and pay my employees on time. I am helpless here. Please help me to resolve this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I just found out that American Express increased my APR to almost XXXX % a little under a year ago. I contacted them to see when they notified me of the increase, and they claimed they did so on XXXX/16. I never received any notification through the mail or telephone, and I also searched my email around that date and see no notifications from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kramer & Frank, P.C.
State: MO

Complaint narrative:
I had a credit card with XXXX XXXX back in XXXX and I lost my job so I was unable to pay the debt. In XXXX I received a garnishment from Frank & Kramer for {$1400.00} that I paid in XXXX for {$1800.00}. I never received a summons to go to court on this, but I paid the bill because I knew that owed XXXX XXXX {$500.00}. I received a garnishment in the mail today XXXX/XXXX/XXXX for {$1200.00}. I called Frank & Kramer and they claim that owed an additional {$1300.00} in post judgment interest and told me that this payment has to be paid and that I don/t have a choice in the matter. I should not have to pay {$2500.00} in interest to a debt collector on claim that is past the statue of limitations and that I have already paid. How can I be sued for a claim that I never received anything from the court tot appear on this claim. Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-23 00:00:00
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: West Virginia Housing Development Fund
State: WV

Complaint narrative:
There 's an organization in West Virginia that 's loaning money to Municipalities for demolition and these loans are required to be used for redevelopment. The Agency is called the West Virginia Housing Development Fund and they 've loaned about XXXX XXXX dollars to the City of XXXX, WV and countless homes have been destroyed by way of illegal use of theses funds. Residents and property owners have had their homes wrongfully Condemned and placed for demoltion and have been denied the opportunity to repair or do work on their houses. Funds loaned to the Municipalities were required to comply with WV XXXX The Urban Renewal Authority Law for Slum Blight Clearance and owners were by law to have had their homes acquired and compensated. This did n't happen and the City of XXXX demolished houses that they had no intention of redeveloping and vacant lots were left and owners told they could n't build on the land because variances had changed so that they were left with a useless piece of land. Incidentally. houses were Condemned by uncertified Code Officials that XXXX hired and permitted and hired them to do this. There is a lot that XXXX 's XXXX mother lived across the street from that I owned and the neighbor was friends with the City Officials and complained to Code Enforcement until the house was Condemned and placed on the Demolition list, torn down, and vacant lot obtained by XXXX from my bank whom I was buying the property off of. The bank told me to deed the property back over to them or be foreclosed on and then the bank deeded the property over to the City for partial payment of the demolition cost and the neighbor who all along wanted the lot purchased it from XXXX.There is a property where a demoltion occured and the lot where the City demolished it later was the sight of new construction of a apartment house owed by the XXXX City XXXX 's brother and his XXXX called XXXX. This all sounds like racketeering and must be stopped and acted upon. Please help this stop-now XXXX is using XXXX XXXX XXXX XXXX to continue on with the illegal demolitions. The WVHDF is now lending money again illegally to the City of XXXX, WV Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
This complaint is being filed against XXXX XXXX XXXX ( XXXX XXXX ) for their improper debt collection tactics. The alledged debt amount of {$2100.00} stems from a procedure I had done on XX/XX/XXXX. On XX/XX/XXXX I received a letter dated XX/XX/XXXX from debt collector Transworld System INC - XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ). I contacted Transworld on XX/XX/XXXX and this is when I found out who XXXX was ( currently XXXX is out of business ). On XX/XX/XXXX I contacted Transworld again and their representative, XXXX XXXX XXXX a call with my insurance provider XXXX XXXX XXXX. At that time XXXX of XXXX XXXX stated to XXXX XXXX that they had no record of XXXX ever filing a claim. XXXX XXXX was also informed that contractually XXXX was required to submit a claim for payment. When asked by XXXX of XXXX XXXX for XXXX XXXX to provide an itemized bill and a contact number for XXXX she was not willing to provide that information. We concluded the call with XXXX XXXX stating she would contact XXXX to see if they would submit a claim, and verify they had my correct insurance information. My issue with XXXX is for failing to follow the proper procedure for collecting on this claim and for sending my information directly to a debt collector. My issue with Transworld is for attempting to collect on a debt without providing me with an itemization of the bill. I am aware I am responsible for my percentage of the covered and allowable charges set forth in the terms of my plan coverage. Needless to say XXXX will not be getting {$2100.00} from me. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: DC

Complaint narrative:
Repeated calls at my place of work, a XXXX office. Informed XXXX XXXX on XX/XX/XXXX at XXXX that this was a XXXX office and he was prohibited from calling to collect debts at this office. Informed XXXX XXXX on XX/XX/XXXX at XXXX that this was a XXXX office and she was prohibited from calling to collect debts at this office, and that a complaint would be filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21 00:00:00
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
My bank says American Express received electronic payment on XXXX XXXX, but American Express posted it as received on XXXX XXXX causing it to appear as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MA

Complaint narrative:
I have been paying my mortgage for 14 years and have never been late, until XXXX when I was diagnosed with XXXX XXXX and under went treatment. I explained my situation to my mortgage ( HSBC ) company and requested a loan modification, but was denied. I reapplied for a loan modification in XXXX but was denied again due late payments. XXXX XXXX HSBC sent me a notice regarding an increase in my escroll account and that I could pay the difference of my to prevent an increase in my monthly payment, which I did. In XXXX of XXXX my monthly payments increased. It took six month and several hours on the telephone with HSBC to find my payment and apply the correct account. In XXXX of XXXX I had no choose but to obtain a lawyer for assistance with my home mortgage loan. My lawyer requested a loan modification and was told that I has already modified my loan in XXXX, which was not true. In accordance with the Affordable Home Act I should be able to modify my loan by reducing my 6.5 interest rate to current comparable rate. HSBC had continuous denied my request for load modification without any valid justification.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: Pinnacle Credit Services, LLC
State: ME

Complaint narrative:
Called them after the XXXX time fighting with them threw you guys this time they told me it is against the law not to pay them and they would not stop fighting me on it they will not provide me any written signed contract by me and also keep adding it back on XXXX after they have taken it off

Company response to consumer: Closed
Consumer complaint received 2015-11-06 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I applied for an American Express Gold Delta SkyMiles credit card on XXXX XXXX, 2014 and was given a confirmation online that confirmed a promotion of XXXX airmiles after I made {$1000.00} in purchases within 3 months. I made a transaction of {$1000.00} in the first month. I was told in XXXX 2014 that I did not qualify for the offer because I had a Delta card previously. This was not mentioned in the offer when I applied. 
I have contacted them repeatedly and they have refused to add the miles. 
Thank you for your help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26 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: RI

Complaint narrative:
My friend worked at the car rental company and charged me a discounted rate and then when he left the company and I was longer renting I received this bill for unknown use

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
American Express is working in collusion with XXXX, which is unlawful in the United States. I purchased tickets from XXXX on XX/XX/XXXX. Delivery was promised within 10 to 14 days at time of transaction. XXXX has been unable to deliver the tickets and agreed to provide a refund. However, no credit was issued. I contacted American Express to initiate a dispute. American Express stated that do not accept disputes from XXXX regardless of the situation ( due to their partnership as Amex makes money off of XXXX ). Regardless, it is illegal to charge someone for an item that can not be delivered under the transactions terms and American Express is not acknowledging that. I spoke to Amex representative in XX/XX/XXXX who agreed to have his supervisor override the system to initiate a dispute. But when I checked back, no dispute was ever initiated. Now, XXXX can not deliver tickets, promised refund, did not provide refund AND American Express refuses to initiate dispute, then promised to initiate dispute, now refuses to initiate dispute and has collected {$330.00} for a fraudulent transaction by honoring their partnership with XXXX ( aka XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: ND

Complaint narrative:
I had a credit card through HSBC who in turn went out of business and was bought by XXXX. I filed bankruptcy in 2009 and both these accounts were listed in the bankruptcy. XXXX bank then sold an account that was legally discharged to XXXX. They in turn sold it to XXXX XXXX XXXX, who has been harassing non-stop to collect the account. I do not owe this account and they are the ones that purchased the account that was not even valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
A company has been withdrawing money from my checking account. I am not familiar with this company and called them asking them to stop withdrawing money from my account. They agreed to stop, but they continued doing so. I notified the bank ( HSBC Bank ) and had to fill out some forms with them under perjury of law. The problem continued and I went back to the bank and complained again and was asked to fill out the same forms that I fill out the first time. each time this company took money out of my checking account I was charged " with overdraft '' protection, since little to no money was in my checking account. The bank continued to let this company take money out of my checking account and charge my with " over draft '' protection. The bank now, present day ( XXXX XXXX 2016 ), claims to have sent me my new debit/atm card. I can not take money out of my checking account without my atm card. The bank claims that they sent me a new atm card, but I have not received it. I called the bank and they said that they will send me another card, which I still have not received. I do receive from the bank notices and statements, but still no debit/atm card. I filed a complaint with the post office in case the problem is there and now I filing a complaint with the bureau of Consumer Financial Protection. I would like this problem resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
My debit card number was stolen twice, and on both occasions ( XX/XX/XXXX and XX/XX/XXXX ), my bank almost immediately declined my dispute with no explanation except that they " investigated '' and found the charges were valid and that I would need to contact the merchants myself. In both cases, I reported to my bank immediately and requested a new card, and my Member Agreement says " you will not be liable for good and services fraudulently purchased through you Account, '' which is also required by federal law if I am not mistaken. After the most recent incident, the bank closed my account and locked me out of my online access without cause or any real explanation except a reference to a generic provision in the Member Agreement. The total of the charges is {$560.00} ( one charge for {$70.00} on XX/XX/XXXX and XXXX charges totaling {$490.00} on XX/XX/XXXX ), and I had a {$2.00} balance when the bank closed my account. I will probably incur other damages in the form of financial transaction fees as a result of the bank 's delay and improper denial, but I wo n't make a claim for that if I can resolve this without going to court. I want an immediate direct deposit into my account at another bank ( this bank can leave my account closed for all I care -- -I will never do business with it again ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-28 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:
TSIXXXX {$24000.00} account reported on XXXX XXXX, 2015 OpenAccount # XXXX $ XXXXBalanceXXXX FLORIDA XXXX JUSTIOriginal Creditor $ XXXXHigh BalanceXX/XX/XXXX XXXX, 2015Opened DateXX/XX/XXXX XXXX, 2015Last ReportedIndividualResponsibilityPlaced for collectionRemarksNote : This is not my bill. I did contact the Department XXXX XXXX XXXX and was told I should not of had this go to collections and it would be removed. I t has not be removed yet

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

Complaint narrative:
I paid off my XXXX XXXX XXXX and cancelled my account in XXXX XXXX. In XXXX XXXX I received a letter from them referencing a credit refund check for {$220.00} sayting the check has been paid. Beginning in XXXX and every month since I have received a statement from XXXX saying that I owe increasing amounts of money ( apparently they are adding fees ). I contacted them but was referred to XXXX XXXX in XXXX, Arizona. At first someone there said they would get back to me. They ordered all of my charges for a year. No where did it appear theyre were unpaid charges ( this came in XXXX very heavy packages ) Then in XXXX I spoke to someone name XXXX who said he was filing an inquiry as well. ( I have his details if you need them ). Then in XXXX I received another statement from XXXX XXXX saying I owe {$370.00} but that nothing is due, and a note saying that there is a billing inquiry in process. The next day I received a check from XXXX XXXX for {$370.00} with a memo saying crdit balance refund. So naturally I thought there had been a mistake and they actually owed me the money. Now today I received a statement from XXXX XXXX saying I owe them {$740.00}. I called XXXX at XXXX XXXX. They can not help me because the " inquiry is still in process ''. XXXX XXXX will not talk to me because they say my account is in " Collections ''. What do I do now. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-04 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: MOHELA
State: MO

Complaint narrative:
Company Mohela calling as debt collector for a person I live with. I am not a co-signer on the said debt and not certain how my number got in their records. Today alone, I have received XXXX calls within 1 hour. XXXX calls the day before as well.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-09 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I have received XXXX phone calls from a XXXX XXXX XXXX at XXXX XXXX. In my XXXX dealing with XXXX XXXX he claimed that I had a debt on an XXXX credit card in the amount of {$3000.00}. I informed him that I had just pulled my credit days prior to his phone call for a mortgage and that credit card shows a zero balance and has been cancelled. He told me that the debt is mine and must be paid. I asked him what his address was so that I could send a verification of debt letter. He refused to give me his address claiming I could be some sort of " whacko '' and " how did he know I was n't going to send him some sort of threatening mail. '' I assured him that all I wanted was his address. He refused. That 's when he told me he would sue me and file a lawsuit in the state of XXXX. He 's in XXXX. I then said if you ca n't supply me your address, I ca n't work with you. He called back yesterday claiming my drivers license would be suspended and that my wages would be garnished. I again asked for his address.. he again refused to give it to me. He then called back and left a voice mail stating he would settle the debt for {$2000.00}. He again threatened a law suit in the voice mail. Then on XXXX XXXX at XXXX XXXX XXXX XXXX called again threatening to file a lawsuit on Monday if I did not pay him his money. He then informed me that my fees would go up in excess of $ XXXX. XXXX XXXX is not giving me an opportunity to validate my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
had a loan with beneficial, this loan was backed with a collateral I use my van, and bought insurance for d loan but my van was stolen an beneficial ask me for d police report, I took d police report to them an d loan was paid cause I had d insurance and lost my van. this happen I 2007 do n't know why after 9 yrs. this company " XXXX XXXX XXXX XXXX '' wants to collect money. please help do n't want from them to keep bothering me and my wife, I m a XXXX yr. old and get tu frustraded.with this matter.thank you

Company response to consumer: Closed with explanation