vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TN

Complaint narrative:
I 've submitted several request for loan Modification to HSBC Mortgage Servicer for assistance in reducing the interest rate on my home loan, which is at 8.76 %, which is perhaps the highest in the nation at the current time. All of my loan modifications have been denied. Once I submit a loan modification request, they assign a loan representative, then they unassign then assign a new representative, who is most always difficult to contact. They ask for the same documents over and over, as if the the documents sent to them goes into a black hole. My most recent loan modification that included a request for the removal of a balloon payment, interest rate reduction and forgiveness of all or a portion of the principal, was again denied in XX/XX/XXXX. They did not provide a specific reason for the denial but said that i could appeal. Appeal what? The latest person that I spoke with at HSBC only offered the advise of making the next 6 payments on time? Ok, so what happens after making the payments on time, Is my balloon payment going to be removed? Is my interest rate of 8.76 % going to be reduced to the current marke? Is my principal going to be reduced or forgiven? I have never been able to reach my loan representative! This is an excerpt from the most recent XX/XX/XXXX National Mortgage Settlement, which HSBC Mortgage Servicer have not been in compliance with : " HSBC is also required to complete XXXX in creditable consumer relief directly to borrowers and homeowners by XXXX XXXX in the form of reducing the principal on mortgages for borrowers who are at risk of default, reducing mortgage interest rates, forgiving forbearance and other forms of relief. The relief to homeowners has been underway and will likely provide more than XXXX in direct benefits to borrowers because HSBC will not be permitted to claim credit for every dollar spent on the required consumer relief. '' I am one of those borrowers that HSBC refuse to work with.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX HAS A AMOUNT ON MY CREDIT REPORT THAT DATES BACK TO 2008 -- BY LAW SHOULD OF BEEN REMOVED AFTER 7YRS. WHY IS IT STILL ON MY C/R?? -- XXXX SOLD MY ACCT. TO MID-LAND CREDIT -- -MID-LAND CREDIT DELETED MY ACCT. WHY IS THIS ON MY CREDIT REPORT?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland claims they sent a letter of validation on XXXX XXXX 2013, i would like for them to send me a copy of said letter. 

Also i need to ask how much they purchased this said debt for from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 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: CA

Complaint narrative:
Midland FundOriginal balance [? ] $ XXXXCurrent balance [? ] $ XXXXDate assigned [? ] XX/XX/2011Original lender [? ] XXXX Bank Nevada XXXX XXXXAccount number [? ] XXXXAccount holder [? ] Co-makerAccount descriptions [? ] Placed for collectionhas been putting this account on my credit report for over the past 10 years now i would disputer it and two years later if would be back on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I had being a customer of American express credit card for 11 year with never being late once since XXXX 2015 in which I thought the payment was due on XXXX XXXX 2015, but it was actually due on XXXX XXXX 2015. I was charge for a {$27.00} dollar late fee for which I call customer service to see if they can waive since it was the first time in 11 years that it had happened and I had being always a good customer by paying on time and having my paid on full most of the time. The representative asked to make the payment of the balance which I did immediately and then she declined to waive the late fee. I ask to be escalated to a supervisor and the supervisor also declined waiving the late fee. Most of the credit card companies would give a XXXX time pass for late fee since we are all humans and not computers and anyone can overlook the date of a payment. But American express I guess is in the business of profiting from late fee as well not matter what kind of customer you are. You can be great for 11 years and XXXX slight minor mistake of being late for a payment for 7 days and they do not work with you. That is why I want to submit this complaint so people can see how American express treats its customers

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-31 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XXXX XXXX 2015 I placed an order for {$17000.00} with XXXX. On XXXX XXXX I discovered a discrepetcy in my invoice and contacted them and attempted to cancel the order. The representative refused to cancel the order. I then immediately contacted American Express to dispute the charge. On XXXX XXXX XXXX XXXX shipped and upon arrival I refused them. American Express took off the charge but applied {$9700.00} to our account for a 35 % restocking fee and for parts XXXX XXXX claims had already been engraved prior to shipping. Futher more XXXX Precisions declared restocking fee is only 10 %. XXXX sent me a letter informing me I had 60 days to take delivery of these parts or they would be destroyed. I have made several attempts to do so as well as my attorney and they refuse to speak to either of us. They are also charging us storage fees on these parts that they refuse to send us. The deadline to take delivery is approaching and the parts I have paid for are to be destroyed. American Express has clearly failed to protect our interests in this matter, we provided them documentation that we attempted to cancel the order within XXXX hours of placing it. We also have filed XXXX disputes and in every case American Express sided with XXXX XXXX despite the fact we have not received any of the merchandise they have forced us to pay for and we are also being forced to pay for fraudulant restocking fees. American Express has an obligation to ensure that their customers purchases are protected from fraudulant companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09 00:00:00
Product: Prepaid card — General purpose card
Issue: Adding money — 
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
On XXXX XXXX, 2016 i went to XXXX to load XXXX dollars cash on my american express serve prepaid card. The money never posted to my account. I have spent countless hours since that day on the phone with amex serve customer service. To no avail. They keep giving me the same runaround. They say they ate investigating the problem. As a result i wasnt able to pay my car insurance resulting in a cancelled policy. Also resulting in my vehicle registration being suspended due to no insurance. Ive gotten no definitive answer as to wen my money will be available.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-15 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland Credit called initially called my Work Cellphone without my consent back in XXXX or XXXX of 2015. 
The company called using a XXXX number. 
I noticed I had previously received calls from this number for a week or so. 
I decided to answer this time thinking maybe it is a potential Customer calling and hanging up. 
When I answered this person very friendly and did not identify who she was until a little further into the conversation. 
After I had given her my Bank Account information so they could take money monthly our of my personal checking account did I realize she was from Midland Collection Agency. 
I closed that checking account and opened a new XXXX. 
I have received XXXX letter from them complaining about my checkingaccount not having funds and no phone calls I am aware of Lots of negative activity on my credit report at the XXXX Fraud site I belong to. 
Is there anything else they can do to me because I closed that checking account? 
They are hassling XXXX of my relatives right now so, I am a bit concerned if they would have a leg to stand on in XXXX Court. I feel that this Agent misrepresented herself and never gave this company permission to call my work cell phone before. 
Thank you XXXX XXXX I bet they paid nothing for these XXXX accounts which equal under {$2500.00} together and would be a lot less if they did not add XXXX of dollars in latefees

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-19 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Client Services, Inc.
State: NC

Complaint narrative:
I responded to a letter from Client Services Inc. regarding an alleged debt by sending them specific demands for legally required paperwork they MUST provide as per The Fair Debt Collection Practices Act. All they sent me back were statement copies. The Federal courts have already ruled that statement copies alone do not meet the standard for validation of a debt by a debt collector

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA

Complaint narrative:
I opened a new HSBC account on XX/XX/XXXX in response to their offering a {$350.00} signup bonus ( proof attached ). I fulfilled all terms of the signup bonus, but did not receive the bonus. 

After escalating with customer service, they told me I did not qualify because I had an open account during the time ( attached ). However, the terms clearly state only customers with an open account between XX/XX/XXXX and XX/XX/XXXX are not eligible ( proof attached ). 

My previous HSBC checking account was closed on XX/XX/XXXX. This means I am eligible. 

HSBC has failed to abide by their own terms and did not award me my bonus that I am fully qualified for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-16 00:00:00
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
On XXXX XXXX, 2017, my card was compromised for {$190.00}. American Express alerted me of the fraudulent charges, however, they are refusing to refund me my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: LTD Financial Services, L.P.
State: NY

Complaint narrative:
The following collections agencies are listed on my credit report with no permissible purpose as per 15 U.S. Code 1681b - Permissible purposes of consumer reports. LTD FINANCIAL SERVICES XXXX, TX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OR

Complaint narrative:
HSBC Approved my loan modification for two years. The terms of the modification are being violated for the following reasons:1 - Amount due on statement differs from the agreement. 
2 - Payment funds are not being allocated correctly. Per agreement, {$990.00} should be allocated to principal and interest. Statement shows funds applied toward deferred interest and interest only. 
3 - I have not received an explanation of the Overdue Payment of {$1500.00} for outstanding fees and charges. 
Please see attached documents and let me know if you could assist me. HSBC claims that the statements are automatically generated without taking in consideration the modification agreement. 
Thanks, XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: RSB Equity Group, LLC
State: TX

Complaint narrative:
Constantly Called my place of employment and left a threatening message on work phone. Very vague and just stating " It would behoove you to call me back at XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Back in XXXX 2016, the American Express Platinum was offered a promotion of XXXX reward points with {$3000.00} spend in the first 3 months for an upfront charge on the annual fee of {$450.00}. I took the offer and earned the points that was deposited on XXXX 2016 on platinum account ending XXXX. On XXXX XXXX, 2016 the XXXX reward points was rescinded, it clawed back without any reason. As a consumer after paying the hefty fee of {$450.00} and legitimately met the minimum spending of {$3000.00} from the mall and car rental, with the points being clawed back with no explanation nor anything was proved that I was n't eligible/qualify especially after 3 months now the annual fee would be refunded this case is clearly a consumer fraud and dishonoring of their promotional offer. 

In resolute of this case I would like Amex to re-deposit the XXXX back to my platinum account ending XXXX and an formal apology with letter of explantation. 

I have contacted Amex reward team and spoken to XXXX on this case, her ID is XXXX with no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I opened a XXXX XXXX Credit Card in XXXX in XXXX XXXX XXXX. Due to unfortunate circumstances I could n't continue paying for the Credit Card. The acct was charged off in XXXX. Midland Collection Management purchased the debt XXXX. In XXXX I went to XXXX to my father residence. He was very XXXX. I was unemployed at the time.I decided to go and care for my father until he passed in XXXX XXXX. I been a resident in XXXX XXXX and homeowner since XXXX. XXXX XXXX I came back home. On XXXX XXXX, XXXX I found out they took out all of my money from my checking account XXXX. When I went to the bank to find out why. XXXX XXXX XXXX explain to me there was a legal order from Midland Collection Management. They hired a lawyer in XXXX XXXX. They sent a summons to my father 's house in XXXX XXXX. That is not my residence never was. I was there temporarily due to my father illness. My stepmother is not in good standings with me. Therefore, she is not going to forward or even tell me I had any mail there. I do n't understand why they did n't send correspondence to my home address in XXXX XXXX. That is were the acct originated from. Not XXXX. How would I have know there was a summons against me. I called the lawyers and asked them to send me all correspondence that they sent to my father 's house to my home address in XXXX XXXX and their response was that they cant send me anything because its out of their jurisdiction. My response to them was if I 'm out of your jurisdiction how were you able to get my money from my acct here in XXXX. I feel its foul play on there part. This account is a debt that has reached statue of limitations. This acct is from XXXX. I am seeking legal help in this matter. My question is why did n't they send correspondence to my address in the state where the acct originated which was XXXX XXXX and not XXXX. Now I am left with a judgement. Which I will be seeking legal advise to have this judgement reversed or void due to violations on there part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-06 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: KY

Complaint narrative:
Midland Funding filed a lawsuit against me a year ago attempting to collect on a debt I do not recognize. The only evidence they have provided is a single affidavit from an employee of Midland XXXX. I believe it to be a robo-signed affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-02 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ

Complaint narrative:
One month ago I received notice from my credit monitoring service that an entry had been made by a collections company. I viewed my report and saw that a company called XXXX XXXX XXXX had requested a copy of my credit report, and then had reported to XXXX and to XXXX that an HSBC account that they alleged belonged to me was in collections. I had never heard of this company, had never received any communications from them, and do not have a HSBC credit card account. XXXX reported to the XXXX bureaus that the open date on this account was XXXX/XXXX/2016 and that there is a balance of {$1500.00}. The entry made by them on the trade line with XXXX reflects XXXX HSBC as their company name, while the company name on the trade line with XXXX states the company name as XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
One year ago I contacted American Express because I was not receiving statements in any form but I did receive a letter that a late payment was triggering a penalty APR. I called them indicating the problem and they could NOT confirm that they were sending statements but would drop the penalty and start sending me e-mail statements. Since then, I still do n't receive statements but did receive another penalty APR notice XXXX days ago. Over the past year I 've begun making payments electronically which is the only way for me to check balances. Under this scenario it is possible to miss a date but I take my credit rating seriously and check my account at least XXXX per month. Yesterday when I called they had a message saying to call back in 24 hours. Today a representative claims their system is down and they will call back. 
Getting a statement should not be too much to ask. It occurs to me that not providing statements is a convenient way to collect fees or indicates they do not have systems in place to meet basic customer needs. 
I have been a card member for 27 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I received an phone call regarding this debt that was 5 years old this account was open with out my acknowledgment this company have been harassing my call many times and some time for an different phone number I told them this account was not step up by me so I 'm not responsible for this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-07 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I have a XXXX account and always have had a credit card in file. Once I was purchasing online and went to revise my XXXX account. Suddenly, a window popped up asking me to accept a XXXX XXXX account. It did n't let me go further until I accepted the XXXX XXXX. In addition, There was not link in small font saying " no thanks, take me to my account ''. After accepting the XXXX XXXX I was finally able to pass that window and do whatever I was going to do with the account. 
After that, essentially a XXXX XXXX was created on my behalf. I called XXXX and cancel the XXXX XXXX on XXXX 2015. Everything was fine until now when they are saying that I bought an item with the XXXX XXXX and because I did n't pay, interests have been running for 6 months. 
I called them up and they said that the information was sent to me via email but they can not resend that particular email. There is not more information in the XXXX website neither in my XXXX profile. 
What can I do? 
ThanksXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ENCORE CAPITAL GROUP INC.
State: UT

Complaint narrative:
XXXX continues to verify their account on my XXXX credit report even though I have reported to them through all XXXX credit reporting agencies, that fraud existed on their account. I have included XXXX police reports with my identity theft disputes. XXXX police report is from XXXX when I noticed that identity theft had occurred, while I was out of the country. The XXXX report was filed XXXX to continue to investigate identity theft, as my license had been used in traffic violations. 

XXXX reported in XXXX XXXX, through CFPB that my account was at a zero balance until XXXX XXXX, XXXX, at which time, fraudulent activity was made on my account. 

The account must be removed from my XXXX credit report. My target account was withdrawn from my XXXX report, & blocked from my XXXX report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-08 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
Mailings packet from American Express Gold Card does not provide any information about the rate of interest that will charged in the entire content included in the solicitation to apply for the credit card.

Company response to consumer: Closed with explanation