vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-26 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: RS Clark and Associates, Inc.
State: FL

Complaint narrative:
An associated from RS CLARK AND ASSOCIATE contacted me a few times back in XXXX about a debt that they had received from XXXX. I was threatened that if I did n't pay them that they would sue me for the debt and add it to my credit report. I called XXXX XXXX to figure out what was going on and we went all the way through each payment to see where the mishap happened. The mishap was on their end and cleared my account of any charges and notified RS CLARK that I did not owe any debt to them. I got XXXX more calls from RS CLARK stating that XXXX was still reporting that I owed them. I told the lady that was lie and that they had indeed sent them notification that it was a mix up on their behalf. The lady from RS CLARK asked if I had the payment transaction numbers for the services. I gave her ( XXXX XXXX/XXXX/16 & XXXX XXXX/XXXX/16 ), RS CLARK confirmed this with XXXX and thank me for my time. That was the end of that ; RS CLARK was suppose to send a letter, never got the letter. nothing was ever placed on my report or anything until yesterday when I got an alert that RS CLARK had posted an collection on behalf of XXXX XXXX that owed {$50.00}. I owe nothing to them and I have called XXXX they know nothing of the debt and did not send RS CLARK anything to report and do not know why. I have included photos of the transactions that I listed above and a copy of the account tab on XXXX XXXX website/

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: WA

Complaint narrative:
HSBC Mortgage Services, XXXX FL XXXX, Phone : XXXX ( Customer Care ) Loan single point contact person : XXXXWe have been attempting to secure a refinance of our home mortgage with another lender. HSBC has to provide the new lender underwriting department a letter regarding one aspect of our loan. They do not answer phone or faxed requests. When the occasion occurs that we actually do speak to a person they 'are n't sure ' or may or may not be able to help. These repeated requests have come from both ourselves and the new lender without response. They are obstructing our freedom to find a new lender to refinance at a better interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
Received a debt collecting letter from TRANSWORLD SYSTEMS INC. for a total of XXXX The letter was addressed to " NONE '' and the only telephone number for the company is a nonworking extension. 

I do n't know what to do about this or what it is even for.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CO

Complaint narrative:
Requested Payoff from HSBS XXXX. They refused because of signature. Several attempts later we are still waiting on a payoff. Title Company faxed the request again yesterday with signatures. I faxed a signed request directly to HSBC at XXXX today as a dual request. The mortgage company does n't have either request on hand. While ALL of this is going on, HSBC is charging me MORE and MORE money every day. The law states 7 days for a payoff - it 's been a MONTH. I as the consumer can NOT refinance without HSBC providing a payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-12 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: HI

Complaint narrative:
I applied and received a secured credit card from " HSBC BANK '', around XXXX, XXXX. After Closing account by phone notification, and offsetting credit balance by sufficient security funds held by HSBC BANK I deposited for the credit card, HSBC BANK continued to accrue interest and penalties against my credit balance. Years later, I discovered on my credit report an outstanding balance reported by HSBC BANK, and sold to other collection companies to perpetuate an updated date of debt beyond the 7 year limit of the law ( XXXX to XXXX ). I do not owe any principle balance or interest/penalties created by HSBC BANK or collectors that I resolved upon cancelling this credit card. My security more than offset any outstanding balance

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
MIDLAND FUNDING filed suit against me for a debt that they purchased ... XXXX upon an agreement I made with them, I paid the agreed upon amount ( in XXXX on XXXX different accounts with them ), at which I was told they would be reported to the credit bureaus as paid. as of XXXX/XXXX/XXXX they are still reporting as unpaid and refuse to talk to me as they have noted that I have an attorney. I did not and have not ever had an attorney representing me in these accounts and only told them that after I paid the accounts and they still continued to send me letters, call me and show up at my house trying to serve me papers. The continue to report false information and refuse to correct it, before they will correct it I needed to send them a letter stating I do n't have an attorney regarding this matter and copies of the receipts showing I paid almost 2 years ago. Then once they receive the information it will take XXXX to 10 days to get back to me. This is complete and utterly deceptive on their part, I in good faith did and paid as I agreed and they did not ( and continuing to not hold up to the agreement ). They do not even show me having an open account with them, it is closed since XXXX. They are playing a game with me and my credit, which is not fair and not allowed by law but continue to get away with it for the past 2 years. How many others are going thru the same thing I am and why? I went online and see all of the other complaint about midland funding, so now this does n't surprise me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-01 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
American Express executive office relentlessly violates my consumer privacy FCRA rights. I reported compliance fraud against their overseas underwriting dept & filed a case with XXXX XXXX XXXX # XXXX 5mths ago about terroristic calls from the Servicing dept. They are constantly denying my credit limit increase using false accusationsof which I have faxed & verified to chairmans office that I have requested executive assistance with in my country & they are refraining to process submission know that my scores are high & my consumer profile is free from derogatory information. I am a US. XXXX XXXX Citizen & American Express is violating my consumer integrity with solicitous lies & slander. I have proven them wrong for 6mth that their excuses for US service is un-lawful. The calls have been recorded & they are purposely routed outside the US to hack into my financial affairs.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland is falsely reporting to the credit bureaus I owe them money and reporting false account activity dates to keep the information active on my credit report. The original debt was with XXXX Bank and closed in late 2008. I have disputed with the XXXX credit bureaus and Midland falsely confirmed the data as accurate. 
Midland has a very well established track record with fines from state and government agencies for doing this exact thing

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-19 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Mid land continues to re age my account the XXXX XXXX debt was {$900.00}. They keep trying to increase the amount and keep changing the account open date. 
XXXX XXXX card was from XX/XX/XXXX and was paid off in XX/XX/XXXX. It was XXXX XXXX issued card under XXXX XXXX. 
Here is how it appears on my credit report : MIDLAND FUNDING LLC {$2100.00} $ XXXX Your Account WithMIDLAND FUNDING LLCCall ( XXXX ) XXXX or Visit Agency XXXX account reported on XXXX XXXX, XXXX account reported on XXXX XXXX, XXXX # XXXX $ XXXX XXXX XXXXOriginal Creditor $ XXXX BalanceXXXX XXXX XXXX DateXXXX XXXX, XXXX ReportedIndividualResponsibilityPlaced for collectionRemarksNoteSee something wrong? 

Learn more about how to dispute items on your credit report. 
OpenAccount # XXXX $ XXXX XXXX XXXXOriginal Creditor $ XXXX BalanceXXXX XXXX, XXXX DateXXXX XXXX, XXXX ReportedIndividual Account. 
ResponsibilityCollection accountRemarksNoteSee something wrong?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
My wife and I refinanced our mortgage XX/XX/XXXX with HSBC. While at the closing we were informed this was a consolidation, modification? My wife and I were originally under the assumption this was a complete refinance of our mortgage and paying off our line of credit. We started to review our paper work and start to research what should have happened. We were overwhelmed trying to make sense of the laws and regulations for mortgages. We then started to speak with an individual XXXX XXXX XXXX XXXX we met through someone else and he helped to explain this very complicated process a mortgage and promisary note are " suppose '' to go through to be valid. XX/XX/XXXX we ( my wife and I ) decided to sit and speak further XXXX because we were concerned about the future of our mortgage. XXXX sat with us and began to explain what we could do to request the information from HSBC and the laws they ( HSBC ) needed to comply with. Shortly after meeting XXXX he started writing letters to request things to validate our mortgage. We continued to pay our mortgage and requesting information from the Mortgage Company HSBC. They were not compliant in providing the things we asked for. We are looking to file a complaint against HSBCXXXXMortgage Services Center for not complying with the " Fair Debt Collections Practices ( FDCPA ) '', " Real Estate Settlement Procedures Act '', " XXXX XXXX Act and violations of the XXXX Reform and Consumer Protection Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
XXXX XXXX has violated terms of service in award of MR points for the XXXX Platinum card. Points awarded on the card were frozen without notice, XXXX reps are unable to elaborate why, or provide a timeline for unfreezing. Point value frozen on the account is over XXXX $

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

Complaint narrative:
While owning a XXXX in XXXX, I signed up for XXXX paid services from XXXX XXXX to XXXX XXXX ( XXXX year ), and when term of the contract was up I did not continue with them. Since then I had never had any business interactions with XXXX and last year ( XXXX ) I sold my XXXX. 
On XXXX XXXX, XXXX, XXXX years after I had worked with XXXX, I received a charge of {$82.00} from XXXX on my American Express XXXX credit card. I called card and reported that I do not authorize this transaction. I called XXXX, and they figured out that current XXXX just recently started a paid advertisement campaign with XXXX. While signing them up XXXX did n't bother to ask them for credit card information because they have my card associated with the same billing address on file. All that because they have a policy in place to keep all credit card information on file indefinitely. This is why my card was charged. Even though my card 's billing address has been changed long time ago. 
When I spoke with XXXX 's billing representative ( XXXX times ), instead of to apologize and offer to refund money, she said that until current studio owners wo n't pay, XXXX wo n't return money back because this is their policy. 
I thought that as soon as they recognize a total mistake on their side ( it was absolute professional negligence ), they will take all measures to correct it ASAP. Instead they offered me to call current business owners myself and ask them to give XXXX their credit card instead of mine. 
It sounds pretty outrageous as we all strive for perfect customer service and XXXX prizes itself of being a site that helps businesses improve their customer services by people leaving their honest opinions. At the same time as we can see XXXX policies are far from perfection. 
Moreover, when new XXXX did called XXXX and provided it with their credit card information, XXXX announced to them that they anyway will not refund my money. They simply do not have policy to refund in place. 
I feel like I am dealing with the company from the XXXX world country so rude and unprofessional all that sounds. 
I need your assistance in resolving this issue. At the same time I believe that XXXX should be forced to change their credit card information storing policies as they violating customers rights.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-21 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MA

Complaint narrative:
XXXX bank continues to list a fraudulent account on my XXXX credit report. this account was not opened by, nor used by me. XXXX continues to list this account without ever providing any documents showing my signature. this fraudulent account is preventing me from obtaining credit. the partial account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Called after sent written cease of comm
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: KY

Complaint narrative:
I had settled for a XXXX dallor pay off on a motorcycle from XXXX through HSBS bank and have n't heard nothing back in a month or so and still showing I owe for it!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I signed up for the American Express card and XXXX bonus miles if I spent {$1000.00} in XXXX days. I saw there was an offer to get XXXX miles if i spent {$2000.00}. Initially they said i could not do this, XXXX call on XXXX XXXX. I called back at XXXX, same day to reconfirm this, and i was told " IF I SPENT THE {$2000.00}, i would AUTOMATICALLY RECEIVE THE XXXX BONUS MILES ''. So, this is a VERBAL CONTRACT WITH AMERICAN EXPRESS!!! I immediately spent the {$2000.00} and after a few weeks noticed, the mileage promised never updated. So i called an argued several times and it was then told to me, by several employees of AMEX, it has been decided in your favor and you will recieve the miles in XXXX weeks. After XXXX weeks I checked back only to learn that the matter was CLOSED and i would NOT BE RECIEVING THE MILES THAT WERE VERABALLY PROMISED VIA PHONE CONVERSATION XXXX XXXX!!! The converation on the XXXX was a contract thatbinvolved me SPENDING {$2000.00}!!!!!!!!!! To get the XXXX additional miles. And Aamerican express has decided to 1. Not honor the deal and 2. To not give the XXXX miles after i was told it had already been awarded and eecided in MY FAVOR!!! I expect vetter from a card that carries AMERICAN in their name. Shame on them for lying and lying and lying and then not following thru with the verbal contract that they have XXXX FILE AND RECORDED. I FEEL THEY SHOULD suffer PUNITIVE DAMAGES for making a customer spend {$2000.00} and then renig on their VERBAL CONTRACT MADE ON XXXX XXXX. The value of those miles is {$560.00} if i had to purchase them from XXXX. Not to mention i spent {$2000.00} that i really didnt have to soend at that time thinking AMEX was going to do the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: GVA Holdings, LLC
State: CA

Complaint narrative:
I got a {$300.00} payday loan from northern plains funding. I was not made aware that I would be paying over {$2000.00} to pay off my loan. They are currently taking {$90.00} from my account every payday stating that the {$90.00} is only paying for the interest. I have called to make payment arrangements and to get advice as to how to pay this off and they refuse to give any help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06 00:00:00
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
HelloI submitted a serious claim regarding undisclosed accounting method via case number XXXX to american express on an online chat dated XX/XX/XXXX. The error I caught I had caught 2 years back also but when I called them they confused me with numbers & I am not as confident in math especially when it has to be resolved on the phone. In the chat dated above I caught the same issue again & as review of the copy of my conversation shows ( I can email you ) they admitted to their faulty accounting. In fact I was in a 3 hour chat with at least XXXX managers on that date. Since then I did have other chats for which I kept some copies are are relevant. They tourchered me online many times answering late or asking me to call which I refused to do. I asked for my balance to be suspended which they have & in one online chat they told me they would get back to me by XX/XX/XXXX. I now dont show a chat option on my profile & I refuse to call them due to the high level of stress this has caused me. In the claim number I provided there were several other issues such as cash back, etc which you can see as well. But this accounting which they fudge under some spcial profile where the math adds up where they can see but I can not see makes no sense. In fact they admitted to it. 
The other important claims I submitted to their XXXX since I buy my airline tickets with my Amex was regarding my lost luggage which they should cover up to XXXX but they never respond to the cases I open & sometimes claim they dont have the claim but I do need to recoup all that they promised they give & all that they have taken from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
On XXXX/XXXX/2016, Amex took away the XXXX sign up bonus, which I earned Platinum $ XXXX spend /XXXX MR Sign Up points on XXXX/XXXX/2016. 
I DID meet $ XXXX in qualified spending, and that Amex has not bee able to point to any specific reason. 
During 3 months periods, I spent over XXXX dollars, and earned XXXX points, although Amex requires XXXX / 3 Months periods. 
I think that Amex is trying to avoid paying the bonus that they incentivized when they accepted the application for the card from the individual.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
American Express continues to report the main card of an authorized user account I closed to my credit report. I closed the authorized user card & cancelled my affiliation with the account at the start of 2016 and they are still reporting to XXXX of the XXXX credit reporting agencies when I 'm no longer responsible for or authorized on the original main account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
CREDIT CARD : AMEX XXXX CREDIT CARD. 
PROBLEM : I made a payment to bring my balance owed to XXXX in an effort to get out of debt so I can improve my credit score to purchase a home. However, after making the payment to bring my balance to XXXX, AMEX and XXXX both charged interest on the purchases several days later. So, to my knowledge I had paid my balance in full then intentionally left the account open so it would help increase my credit score. I deleted my reminders to pay these cards since the balance was at XXXX ( {$0.00} ) and not until I got a MISSED PAYMENT notice AFTER being assessed a late penalty did I learn that several days after I made my full balance payment, they tacked on a small {$16.00} " Interest Charge on Purchases '' a full 5 days after my full payment posted. 
This is a misleading practice since the credit card company has knowledge of the finance charges accrued at the time of payment, therefore should be advising that full payment is n't complete until current past month ( in arrears ) interest /finance charges are applied. This also happened with XXXX XXXX as well. 
We 're not talking about a lot of money typically, but if someone is n't aware of fully understanding how interest on purchased in arrears is calculated the probability of a late charge being filed and reported to the credit bureaus negatively affecting a consumers credit increases significantly. 
SOLUTION : Simply reflect unpaid or un-billed Interest Charge on Purchases that are in arrears on current summary statements so the consumer can pay balance, and be immediately aware of the charges in arrears that will be showing up next month.

Company response to consumer: Closed with monetary relief