vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: OR

Complaint narrative:
I have asked them repeatedly to stop calling me and communicate through mail only. They refuse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-18 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: First Federal Credit Control, Inc.
State: CA

Complaint narrative:
I have never been notified or did I know about these medical bills. What do I do?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I was never notified of a mortgage transfer from my new loan owner. I was trying to make a payment to my original lender for my mortgage and it was never made clear to me who I should be paying. I also have yet to be contacted by my new lender, and I do not wish to supersede my grace period nor default on my loan. I have not missed a payment in 7 years and 4months.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
On XX/XX/2016, XXXX XXXX XXXX, XXXX, a Florida corporation, ( " XXXX '' ), towed away my wife 's car which was parked arguably properly with a note inside the car explaining that there was difficulty with payment at a parking machine. The vehicle had apparently been parked at HSBC Bank, XXXX XXXX XXXX XXXX, XXXX XXXX, Florida XXXX. HSBC 's lot had a sign referring to " display paid receipt '' and close on the sidewalk there was a machine that printed receipts for parking and it was not completely clear to her that the sidewalk machine was inapplicable to the HSBC 's parking lot. HSBC did not have any person collecting payment from its booth nor a parking payment machine in its lot on that day. My wife lost {$2.00} dollars in the sidewalk machine and left a note inside her car. XXXX took the car to a lot and refused to release it unless a payment of {$280.00} was made, and if significantly delayed then the price would increase. {$280.00} was paid to XXXX and then the vehicle was released. The invoice number is No. XXXX. Although HSBC was authorized to ask a towing company to tow a vehicle, HSBC was prohibited from having a contract with a tow company since a contract is a bargained-for exchange, which means that the towing company gave something of value to HSBC for the right to tow vehicles from the HSBC property. See Florida Statute 715.07 ( 2 ) ( a ) 4, which states as follows : " The towing or removal of any vehicle or vessel from private property without the consent of the registered owner or other legally authorized person in control of that vehicle or vessel is subject to strict compliance with the following conditions and restrictions :.. 
4.A person may not pay or accept money or other valuable consideration for the privilege of towing or removing vehicles or vessels from a particular location. '' Furthermore, HSBC knew or should have known that XXXX would charge an abusive amount of money to release the vehicle, making HSBC liable for aiding in abusive behavior against the public. HSBC admits it had a contract with a towing company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-03 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: MD

Complaint narrative:
I have a 15 year second mortgate that I have paid to HSBC on the XXXX for the last ten years. 3 times this year, they applied the entire amount ( {$600.00} ) that I sent to the interest and charged me a late fee for not paying the principle.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-28 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
From XXXX XXXX XXXX XXXX : American Express Business Credit Card Marketing proceduresI have been an AMEX customer since XX/XX/XXXX and pleased with service, until ... I start getting unwanted solicitations for a business line of credit **for a business I have no association with** When I call, they tell me it will take three months to correct the error. In the mean time, every two weeks I get an invitation to open a line of credit with this erroneous business. 
1 ) Opt out procedures typically are 30 days- waiting 90 days is unacceptable2 ) I have nothing to do with the business they assigned me to3 ) Every mailing is a risk. People go through mail and take credit card offers, and steal identity, change addresses and open accounts fraudulently. When I explained this XXXX to AMEX, they stated " sorry it takes 90 days. " 4 ) I dont understand how I was associated with XXXX University in the first place. 

I have enjoyed AMEX over 20 years, but these erroneous mailings every two weeks not only borders on harassment, it is establishing a risk for any person receiving unwanted information and THEN has to wait 90 days for them to correct their own error. Since I first called them XX/XX/XXXX, I have received XXXX more credit card offers for a business I have no association with. 

While the people are nice I am particularly disappointed that it takes 90 days to resolve this problem, exposing me to more risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Prepaid card — General purpose card
Issue: Adding money — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I had a direct deposit issue and I received help via the CFPB. American Express responded and clearly indicated that they were sending my funds back to the original funding source. My direct deposit was for XXXX which went into the incorrect account due to an error with direct deposit number entry. American Express has only refunded me {$530.00}. Where is the additional monies that they said they were sending back?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I paid debt with Midland credit company in 2013 in the amount of XXXX for a unpaid bill XXXX. Midland Credit will not reach out to XXXX to let them know the debt has been paid. XXXX still have me owing a bad debt

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: BARCLAYS BANK DELAWARE
State: HI

Complaint narrative:
I had a XXXX Bank of Hawaii XXXX, which I paid ontime, and for the past 3 months, I have paid the entire balance off mothly. On XXXX XXXX, XXXX, my credit card was closed for no reason or valid cause, and I was no longer allowed to make purchases with my credit card. I could no longer make purchases with credit card, so I called the bank on XXXX XXXX, XXXX, to discuss my account. When I was able to be connected to a customer service agent, I was told that my account was closed and my credit card was closed. I asked for what reason, and I was told that my payment was returned, and than it was resubmitted and now payment was received and paid. But a review was conducted and it shows I had previous account history with them, and now they want to close my account. In XXXX XXXX, I was approved and use my credit card properly and always paid ontime and several times paid remaining balance off monthly. I have handleded my credit card in good standing, and showed no reason to close my credit card account without proper notification or investigation. This is unfair credit practice, and I would like my credit card reinstated and in good standing. Currently, my credit report has been affected by this negative action by XXXX Bank of Hwaii XXXX, I would like this matter be resolved.

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 2015-05-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MI

Complaint narrative:
I received an alert on my XXXX report on XXXX XXXX XXXX that there 's a change on my credit report. I log on my report to find an account from green tree servicing l a count # XXXX showing a debt of XXXX that I owe. They do n't have the original creditor reported on the report. From the date it show this was opened XXXX XXXX bought an expired debt that is well over the statue of limitations from hsbc. They knew this when they purchased this debt which is why they did n't notify me to dispute this before they reported it to my credit report. XXXX are know for illegal actions such as this XXXX. I have enclosed a copy of an XXXX report dated XXXX XXXX XXXX that shows the original creditor hsbc/household finance Corp account # XXXX ... the debt shows the account was opened XXXX XXXX balance and the date this was removed from my report XXXX XXXX. This was written off XXXX XXXX and has been past due months before it was written off which is why this is no longer on my credit report. I also in closed a copy of my current report with XXXX servicing on my XXXX as of XXXX XXXX XXXX with this expired debt. The date opened is the same XXXX of XXXX. This debt is expired and should not be on my report. Hsbc has been deleted from all XXXX credit bureau since XXXX of XXXX. XXXX have purchased and expired debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I have been disputing a charge on my American Express for several months now. I ordered some items from XXXX XXXX, and they never shipped XXXX of the items ( a TV ). XXXX XXXX agrees that the item never actually shipped, although they created a tracking number. American Express finally responded today, saying that they could n't reverse the charge because XXXX XXXX denied the chargeback. They provided documention, which actually confirmed that the item was never delivered! 
American Express ' response today was that this is an automated process, that a real person does n't get involved at this point. Now they say that a real person will get involved, but that it could be another XXXX8 weeks for the problem to resolved. Not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I inquired about getting a new credit card with American Express. The chief reason why I decided to get a card with them is because there was a possibility I could link up the purchases I made on my corporate credit card to accrue points. I asked them specifically if I were to get a personal american express card would points I make with my corporate credit also count. They asked for my corporate credit card number and assured me that this would be the case and that once I got the approved and received the card to call up their points department to link up the cards to gain both point on my new personal credit card and corporate card. I was very specific, stating this is the only reason I am getting a personal American Express card and they assured me I would have no problem doing so. Once I received the credit card I called up Amex rewards and tried to link the XXXX accounts, but was denied. My corporate credit card has a block on points they informed me. I was furious, because I asked them specifically about it and told them that gaining points on both corporate and personal credit card purchases was the only reason I got the card. They lied to me to get me their credit card. I filed a complaint twice with Amex and there has been no follow up over the course of 7 business days. They intenitionally deceived me into getting their credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 00:00:00
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XXXX/XXXX/15 I authorized a charge of {$3300.00} to my American Express card to be paid to the merchant XXXX for the cross-country transportation and delivery of a container of household goods. On the contracted delivery date of XXXX/XXXX/15 the merchant failed to deliver the goods due to an error made by one of their employees ; the container was delivered to the wrong location. I contacted AMEX, told them the goods were not delivered, and that I wanted to dispute the charge. AMEX then issued a credit to my account. AMEX apparently also reversed their original payment to XXXX at this time. 
On XXXX/XXXX/15 XXXX delivered the shipment to the correct location. I then contacted AMEX, told them the goods were delivered, and to remove the dispute from my account. However, I noticed in the following days that the charge did not reappear on my AMEX statement. I contacted AMEX multiple times over the following weeks regarding the original dispute. Each time I was assured by a representative that the merchant XXXX had been paid, that the dispute was marked as resolved and closed, and that the charge would appear on my next statement. 
On XXXX/XXXX/15 I received a notice from a collection agency stating that I am responsible for paying their agency {$3300.00} for an unpaid debt to XXXX. I contacted AMEX XXXX/XXXX/15 and spoke to a supervisor. This AMEX employee stated that AMEX never paid XXXX after I removed the dispute -- their error. 
The problem remains : Who should AMEX pay -- PODS or the collection agency, and who will pay the ever-increasing penalties?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: NV

Complaint narrative:
After several emails and phone calls, Caliber home loans gave me a SPOC to speak to only 1 representative to get my account straight. The extension they gave me was XXXX and XXXX was my Singe point of contact,, After being disconnected twice, XXXX employee number XXXX answered the call.. He did not know of any XXXX working that day. I have asked numerous times how many payments did I make during XXXX XXXX. Simple question, but nobody will give me answer, because the loan was transferred several times. I was behind on payments and to avoid foreclosure, I paid in excess of {$62000.00} in XXXX 2016. According to Caliber I was XXXX payments behind, but I never received credit for the payments I made.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I cancelled my American Express card after they allowed a third party to bill me for a transaction that they should not have been able to bill me for - despite overwhelming evidence that AMEX should not have billed me, and after assurances that they would not allow that billing to happen. After lengthy debate with the third party - that party removed the charge - however, as AMEX had failed to protect my assets ( after acknowledging that they have had hundreds of complaints about the same company for the same reason!! ) I maintained my position with regards cancelling my card. I have requested an ACCURATE, up to date bill from AMEX several times - to date - they have not provided one. I have written to XXXX XXXX himself 3 times to try and get a resolution - this is still not resovled. 

The issue is that after 30 days they have started calling my work - despite several requests for them not to - again, in writing and directed to XXXX XXXX himself. They have my cell number but insist upon calling my work to demand settlement of a bill they have not even tendered accurately.,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
THIS COMPANY HAS THE WORST CUSTOMER SERVICE EVER. I HAVE BEEN CALLING FOR 2 WEEKS BUT THE DEPT I NEED IS NEVER AVAILABLE. THE REPS HANG UP ON ME CONSTANTLY OR THEY ; XXXX PLACE ME ON HOLD THEN HANG UP. I NEED A DISPUTE MARK ON MY CREDIT REPORT TO BE REMOVED. THE ONE TIME I SPOKE WITH A REP IN THE CORRECT DEPT THEY GAVE MEBAD INFORMATION THEN PLACED ME ON HOLD THEN HUNG UP. PLEASE HELP )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-13 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 have made several attempts over the years to dispute an entry on my credit report. Undereducated about the process, I gave up in trying to remove. I recently have refinanced my house and was questioned by my lender about this company on my credit report again. 
Unable to explain and unable to resolve, this entry contributed to my not qualifying for a lower interest rate costing me more money. I once again sent certified letters and made attempts to seek information from this company who has refused to provide any information to me. They are only demanding I send proof to support it being inaccurate. I obviously have no proof if the debt was never mine. 
The company has further stated, they ca n't understand the nature of my dispute. Hopefully this organization can clarify " the debt is not mine ''. 
According to my credit report this company is using deceptive practices by reporting this debt to the credit reporting agency that this is a factoring account. I do n't have any loans that was sold to this company. 
They further are deceptively listing this as an open account and has entries that state I have been late on many occasions. I have never made a payment to this company. This act appears to be refreshing the credit reporting entry only to create harm to my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-11 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
Listed XXXX XXXX, XXXX, original debtor : HSBC, listed as open account, charged off by original.debtor,, last pd XXXX. Different C/R removal dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL

Complaint narrative:
My mortgage is being sold by Mortgage Service Center of HSBC to XXXX of XXXX. I looked for info about XXXX on the internet and found many complaints and negative articles including actions by the State of XXXX. I do not want to do business with this company ; however, my mortgage is at a good rate and I do not wish to refinance. What action can I take

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26 00:00:00
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I believe that American Express is conducting a form of wire fraud. I have an American Express credit card. I used this card to purchase a XXXX. At my home number, I received a message on my home answering machine from the AmEx Fraud Prevention department saying that I had to call the XXXX number on the back of the card and report that I had received the devices and was satisfied, before AmEx would pay the merchant. I made that call on XXXX XXXX. The merchant reported no payment. I called AmEx again, and we reassured " that your account was charged on XXXX XXXX. '' Merchant was still not paid. I called AmEx yet again ( this time to a number that the merchant told me that they had been told by AmEx that I had to call ... a different number than the one originally left on my home message machine. I called that number and was again told that my card was charged on XXXX XXXX. As of today, the merchant reports that they have still not been paid. 

In other words, AmEx is apparently debiting my account for the full amount of the charge ( and will be expecting me to pay them as soon as my bill arrives ) but AmEx is NOT paying the merchant ... living off the float. And the message they left on my home message machine told me that I had to call the phone number on the back of my credit card in order to have the payment released. They told the merchant that I had to call a different number. This " looks like '' to my eye, a prearranged scheme that causes delay and makes it virtually impossible to get the payment released to the merchant. If they are doing this to just a few XXXX of their customers, they must be effectively " borrowing '' many XXXX dollars from their customers and not fulfilling their customer or their merchant agreements. In my opinion, inasmuch as AmEx is using interstate wire services to accomplish this, this appears to me to be federal wire fraud. I 'd like this fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 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:
My wages started getting garnished from Asset Acceptance for a debt that is past the Statue of Limitation to be garnished. I was not served any court notices or anything. This is illegal and they amount they are stating I owe is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
XXXX pages of documents attached clearly explains my complaint. 

Please instruct HSBC to comply with the FCRA law and amend their reporting and remove past reports.

Company response to consumer: Closed with explanation