vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA

Complaint narrative:
I am a victim of a predatory mortgage lender. Since XXXX, I have tried to refinance my 7.99 % ARM and 11.99 % fix mortgage with HSBC with no luck. We are upside down mainly because of the high interest rate on the XXXX XXXX and peanuts have gone toward principal the past 10 years. ( Refinanced with them in XXXX. ) Adding just interest since XXXX, over {$150000.00} has been paid to this company already but that 's still not enough. ( To put things in perspective, our home was purchased {$150000.00}. ) Because we are not a FFA loan and we are upside down, no other lenders or programs helps us or wants to take on the fight with HSBC. ( And we have tried several attempts over the years. ) We are two months behind and requesting HSBC work with us now. The only response we have received past years is a few months modification and we are returned back to the outrageous loan regulations. HSBC states : " We do not refinance, only can offer temporary modifications. '' Today, the response from HSBC states our only options are a short sale or foreclosure. We do not want to lose our home, we just want an affordable home monthly mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
My bank account was seized on XXXX/XXXX/XXXX by Midland funding LLC. My joint accounts with my children were also seized, the have nothing to do with this debt. In total, XXXX accounts were seized, whereas only XXXX is mine. My children are not named in the court documents, only my bank. Where they got that information I do not know. I certainly never gave it to them. I received no certified or registered letter of court documents, and when I contacted Midland Funding those documents miraculously showed up on XXXX XXXX, XXXX, 6 months after the court date, and after my account was already seized. It has now been 70 days, and Midland has still not released the hold They took all of my and my families money, which was n't that much to start out with. This has caused much hardship. There are fees included in my court documents that are frivolous. No XXXX served me with papers, yet there is a fee of XXXX for that. Miraculously, the XXXX office also sent a document in late XXXX XXXX, I feel to cover themselves, and once again well after the fact. This is unacceptable, and has devastated me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC
State: DC

Complaint narrative:
I have received repeated calls from transworld systems incorporated on phone number XXXX for a debt I do not owe. The company seems to think I owe money to a hospital, however, all my debt is paid. The company keeps asking me for personal information and I refuse to give it to them as I can tell it must be a scam. They get angry with me when I will not confirm my date of birth or any other information and refuse to mail me documentation and proof of bill or debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I received a call from capital one stating that there may be fraudulent charges on my account ( an account I had but never used ) a total of {$28.00} was charged, I confirmed for them that they were fraudulent and that I did not make them and I would like the account closed as well! I have spoken with multiple representatives that have taken my security questions and my personal information and told me that it will be closed, I am now receiving mail saying that I have not contact them and I will be responsible for the charge I just received another statement saying if I do not pay the XXXX that I will be charged a {$35.00} late fee?? can someone please help me get the fraudulent charge removed and my account closed so I never have to deal with capital one again?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-15 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: VA

Complaint narrative:
I received a letter from MCM on XXXX XXXX, XXXX, stating that I had a debt in their office regarding my XXXX Bank account. In XXXX XXXX, I called and spoke to XXXX at extension XXXX, at that time she made me a settlement offer of {$830.00}. I asked before I paid the amount would that close the account? She replied that if I took care of it that day that it would close the account with a zero balance, so I paid that amount that day. As I check my credit report, XXXX XXXX Bank is still showing the balance and a charge off, I have contacted XXXX on numerous accounts regarding this matter with no success. I have disputed this account with all three credit agencies with no success. So today I get an updated credit report on XXXX XXXX, XXXX, and MCM ( Midland Funding ) is reporting a past due balance of {$250.00} ( the amount from the original balance {$1000.00} from the settlement offer of {$810.00} ). When I called MCM I got XXXX different numbers to call as their office did n't handle the case. I finally spoke with XXXX XXXX XXXX XXXX ext. XXXX ) that informed my wife that he would look into and that he would ask for an update. I informed him that I have the bank statement where the monies was paid on that day and that XXXX sent us a letter where the debt was paid in settlement. XXXX informs me that once he receives the update that he will send out additional letter stating that there is a zero balance as well as contact the credit reporting agencies showing that is a zero balance. That is unacceptable as the debt was paid in XXXX XXXX and MCM did not report the debt until XXXX XXXX. I think that it should be removed as it was reported incorrectly. MCM has called family members and neighbors even after the debt was paid in full. MCM has also stated that there are additional debt in their office and I can assure you that they are not my debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-03 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
XXXX fraudulent credit cards were opened in my name. I have filed a dispute with the credit bureaus and filed an ID Theft report with my local police department. XXXX company, XXXX XXXX closed the account. The XXXX other companies, XXXX and American Express, are refusing to close the account. They continue to harass me and are asking me to pay for a debt that I did not incur nor give permission to open. When I asked them for a copy of the application with my signature, American Express sent an affidavit to be notarized. These are stall tactics that American Express is using to continue to leave this fraudulent account open in my name. 

Both XXXX and American Express are irresponsible due to the fact that they allowed accounts with limits of over {$5000.00} to be opened in my name - without my signature! Banks require signatures for loans of {$100.00}, yet these companies may open accounts in people 's names without their permission? And when they are given a copy of the ID Theft report filed with my local police they still refuse to close the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
received notice from collection agency with no information of original account or product. Called them, put on hold then sent to message center but their mail box was full and was disconnected. Amount is only {$5.00} so seems like fraud -- too small amount to worry about so pay it may be desired response.?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
My American Express card had a balance on the XXXX 2016 statement. I paid that balance with an auto-pay and there were no charges before the XXXX 2016 statement was due. American Express refused to provide a statement showing the prior balance, payment, and XXXX balance. The " Live Chat '' told me it was " not possible to generate a statement that shows XXXX balance, the payment transaction and the prior balance ''. So why is American Express exempt from reporting all financial transactions on their credit card statements? Are they above the law?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18 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: VA

Complaint narrative:
MIDLAND FUNDING placed an account on my credit report that is NOT my debt!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MI

Complaint narrative:
XXXX and XXXX contacted me concerning a debt that I owed to HSBC in the amount of XXXX. They set up payment arrangements and collected the money. I received a letter from The XXXX XXXX showing this debt to be paid off. Now I am finding out that I had already paid this debt back in 2012. I tried to contact them to receive my money back to find that the phone number is just busy or you can not leave them a msg for a return call.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-24 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I was a customer from American Express since XXXX when I was selected to become a cardholder of a green card American Espress ; I started using the card during XXXX and unfortunately due to an economical issues I overdraft the card, after XX/XX/XXXX I stared get in contact with all the banks I had issues with to try to make an arrangement in my payments, but this credit card did not want to send me a statement, did not provide me my whole account number either replace my plastic ( I moved at the end of XXXX and lost some of my belongings during that procedure ), when I let them know what happened they denied me all my banking information and finally received a statement ( which I requested ) with the amount of XXXX dollars which I paid with a check and sent them by XX/XX/XXXX and by XX/XX/XXXX I received and email from AMEX saying they had received my payment, after that I called and cancelled my credit card and even wrote a lletter to them saying that I did not want to have any business with them anymore in order that my experience with them was just simply terrible. Now 2 years later I received a phone call from AMEX claiming a payment of the amont mentioned avobe and the representative asked me when I was willing to pay them the amount that I still owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
We request your action against an online merchant 's fraud. The merchant charged our credit card after the order was cancelled. 

The merchant has provided deceitful reason to justify for charging our card. The merchant claimed to credit card company that it advised that it will not be able to issue credit back for the merchandise that had been already shipped. The Merchant did not advise it to us when we placed the order. 

We placed single order to merchant and cancel it in less than 24 hours before it was delivered. Although the merchant 's representative, XXXX XXXX XXXX, Account Manager confirmed the cancellation of the order via email, the merchant is fraudulently holding our credit for delivery of partial order that too after 5 days of order cancellation. 

We also request to take an action against the XXXX XXXX as it fails to receive our many from the Merchant even after 3 months and closed our billing dispute twice without getting our full credit back from the merchant. Merchant 's representatives XXXX XXXX and his supervisor, XXXX XXXX XXXX failed to respond our numerous phone calls. They failed to respond our email notice dated XXXX XXXX, 2016 for possible fraud charges for holding credit of cancelled order.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-02 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Called outside of 8am-9pm
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
They repeatedly call my home phone every 1-2 hours after I have already spoken to them on the phone about the account. This morning they called at XXXX. They have violated more than one issue. Besides the constant calling and the call before XXXX, they have threated legal action and called relatives about the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I received a collection notice from Transworld Systems. I have attempted to contact them via the indicated phone number on the notice for five days. I continue to receive a voicemail message. I have left two messages, which have not been returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
A collection agency sent me a letter on behalf of XXXX XXXX commpany for a past due utility account which I never had. Transworld Systems Inc. is the collection agency. They advised me the past due bill is for a property in XXXX, MI which I never owned. I have never lived in or owned property in XXXX, MI.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09 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: NY

Complaint narrative:
I received a text message from what appears to be an HSBC address saying that suspicious activity has been detected on my account, and to verify my account details to prevent suspension of my account. This seemed fishy XXXX, so I called HSBC directly since their website does not allow me to log in unless I have an active account, which to my knowledge I do not. The phone system HSBC employs will also not allow callers to speak with a representative unless they either have an active account or lie about the nature of their call. In my case after a half-hour spent trying to navigate through their many menus and failing to get a live operator, I pressed the key sequence to tell them I was interested in opening up a new account, which produced ( surprise, surprise ) a live operator waiting to take my money. After explaining the situation to this operator, they told me this was a fraudulent text, but could otherwise not assist me to make sure that there was no other fraud happening in connection to my identity or former account information. 

While I completely understand HSBC has no controls over scammers using their name in their attempts to commit fraud, the fact that HSBC makes it not only difficult but nigh-on impossible to speak with a live human being goes beyond the pale, especially since they are active targets of fraud attempts. As a past customer of theirs whose vital details are in their system, I find it extremely alarming that they care not one whit for customer relations unless you are handing them money on an active basis. After all, I have no control over or knowledge of their IT infrastructure and they clearly have little to none either.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I have no relationship with " Midland Funding

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-20 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:
On XXXX/XXXX/2015 I reached out to Midland Fund to settle a debt. It was agreed that a payment of {$1400.00} would settle the debt. A letter was received shortly after dated XXXX/XXXX/2015 that confirmed this information. I signed it, made a copy and sent it back. They continue to report this balance. I 've talked to the department handling the account which can be reached at XXXX and they confirmed the balance was paid. I was then directed to call XXXX who asked if I wanted to settle the debt. I am getting the run around and no one at this company seems to know what is going on, they 've been affecting my credit for 8 months and getting this matter resolved is not something they are interested in doing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-27 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I received a bill for collection with XXXX amount, and when I made contact with the collection company the amount had changed to a totally different amount, {$6700.00} to {$8200.00}, I 'm on XXXX and want to pay this bill off and this company is taking advantage of my situation, I also received a letter from the social security stating that starting on XXXX 2016, my XXXX would be garnished at the rate of 15 % until the balance is paid and tax return would be garnished by said company, this company is out of control and I need a resolution, I called my credit card company and they no longer have my file and can not access it, the lady informed that I need to follow up with XXXX party collection company and the lady stated she could not find any payments made to my account, and any payments made prior would not show on their side, so who is responsible, I realized I owe the balance but there is no reason for this company to take advantage

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: ID

Complaint narrative:
My credit card through American Express is currently set up for automatic monthly payments. The payment is set to be my full statement balance on the due date every month ( the XXXX ). There have been no issues for five months, until this month 's payment. 

This month 's automatic payment was paid exactly one day late. No settings were changed, and the bank account connected to the account has well over fifteen times the amount of the bill. Seeing as the payments historically transacted on time every month, and the next automatic payment is set to be paid on time, without any change of settings, I 'm inclined to believe that American Express deliberately postponed my automatic payment in order to collect their {$27.00} late fee. Especially because they make little revenue from customers like me that pay everything in full on time, thus avoiding credit card interest. 

I have done absolutely nothing to warrant my automatic payment to be LATE, and yet I 'm charged a late fee and both myself and my wife ( authorized user ) will suffer from the negative impact this will leave on our credit scores, forever affecting our credit health.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-16 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
repeated calls after being told that I was laid off from work. adding stress to my dilemma by questioning me about how I survive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-09 00:00:00
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
America Express reported me to the credit card agencies with no real explanation AND then said I was in good standing. I have very good credit. I tried calling over XXXX times and faxing letters and NO help whatsoever. It appears on my credit report as a negative. The laws need to be changed. If I paid for 10 years perfect and owe them nothing so that would 99.9 % that my account was paid and they have ruined it 100 % by making a false statement. The statue of limitations has expired.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I would like to make a formal complaint against American Express Bank and how they pulled on my credit 10 times since XX/XX/2016. In addition, I would like to a make a formal complaint against them when it comes to prematurely closing my account in XX/XX/XXXX and not allowing me to open another one. 
You see, I open up a certificate of deposit with them in XX/XX/2016 and it took several weeks to get open. However, I could never upload money to my certificate of deposit due to issues with their system. Then American Express Bank decided to close my account without reason and did not allow me to get another one. Recently, I found out from Credit report that American Express Bank pulled on my credit several times.

Company response to consumer: Closed with explanation