vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I have an American Express Serve Card. On Tuesday XXXX/XXXX/2016 I received a deposit from my XXXX in the amount of {$590.00}, this deposit was from a hardship withdraw that I submitted for so that I could pay my rent since I am facing eviction. Around XXXX I went to XXXX on XXXX in XXXX , Ohio to withdraw the money via ATM. This bank 's ATM is on the list of bank 's Serve customer 's may go to withdraw money for no fee. I put my card in and selected the amount of {$580.00} to withdraw. The machine stated it was dispensing my money, the machine kept making noises like it was counting but no money ever came out. I went inside the branch and explained what happened and was told that there was someone working on the ATM at that time and per the teller, if no money was dispensed, then it should not have came off my card. I went to check my card and American Express had immediately taken the money and hard posted it to my account. I called the American Express and spoke to a supervisor named XXXX, she just told me I had to file a complaint and it could take up to 45 days. I asked to be transferred to a manager and I forgot to take her name down. She understood the severity of this, since this was a large amount of money and me and my XXXX children are about to be put out of our house. She went and started the dispute process and advised me to fax my letter explaining everything to XXXX. She advised she would try to get this resolved quickly. I faxed my letter on XXXX/XXXX/2016, I then called to follow up today Thursday XXXX/XXXX/2016. I spoke with a rep and a manager by the name of XXXX, who has no care in world. Advised her that my landlord is giving me till XXXX/XXXX/2016 to pay my rent or else we have to go. She says with no care in the world, I have to wait till XXXX XXXX that is when the dispute team said they will look at this issue again. I ca n't wait till XXXX. I use to bank with XXXX and when an ATM transaction was done it would pend for at least 24 hours and then hard post. American Express takes the money off my card immediately and will not put it back that fast. I 'm upset because this is pretty much theft in my eyes, my money has been taken, but I never received it and now I ca n't pay my rent and American Express will not take care of this in a manner of seriousness.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-05 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I applied for an American Express Gold Card and was accepted, the splash page of their website advertisement says nothing of the XXXX bonus points not being available if you 've had their gold card at any time in the past ( XX/XX/XXXX for me ). I 've also received a typed advertisement for their American Express Platinum Card and no where in this promotional advertisement ( that I can find ) does it state if you 've ever had their Platinum Card in the past ( XX/XX/XXXX for me ) are you not eligible for the XXXX bonus points that is part of the offer, and yet the American Express Customer Service representative, supervisor, and manager has explained that this would indeed be the case for their Platinum Card as well. 

I 've been duped and I do n't like it. This is false advertisement at best. This has caused me to acquire an unnecessary inquiry on my credit file. I quickly closed the Gold Card account that I was approved for, and will pay it in its entirety once I am billed. While the manager herself explained it 's one of the most challenging and difficult conversations to have with their customers and apologized, and also states this harms American Express ' brand, this does not make me whole. Removal of their inquiry and the account from my credit bureau is preferred, and {$250.00} or the functional equivalent. Conversations XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and manager call back XXXX XXXX, XXXX XXXX XXXX 15min 29sec.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
Transworld is representing XXXX in a collection claim that I owe over {$1800.00}. The charge is for a {$25.00} per month instrument rental in late XXXX and the last bill I viewed was for under {$200.00}. The instrument was lost and then found. I returned it in good condition to XXXX in XXXX XXXX. I have receipt of return. I asked for an itemized bill to view the charges, and Transworld replied they do not have one. They said they will try to get XXXX from XXXX but can not advise if or when they will have a summary of the charges. Transworld refuses to provide direct contact information to me so I can have a legal representative request a bill on my behalf in writing. I asked for an email address or contact name an phone number so I can have my lawyer request the information and Transworld 's response was : give me your lawyer 's name and phone number and we will call him ( XXXX XXXX with Transworld ). I called back and gave the answering rep. my lawyer 's name and the new rep refused to discuss the matter further.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
We are struggling with a moving company that has several XXXX names who stole all of our belongings and ransomed them back to us after making us sign many documents under threat that they would send our things to auction. We paid an initial portion via a Citi credit card and then the moving company XXXX ) failed to deliver our things on time, XXXX ) failed to deliver all of our belongings, XXXX ) delivered a substantial number of items which were broken beyond use. We called the credit card company to inform them of the fraud and of our dissatisfaction with the goods and services provided by XXXX XXXX XXXX, XXXX in NJ and the representative of Citi Bank told me that they would do an investigation and that they would file things as " over payment '' to ensure that we would have a positive experience. This was our XXXX time contesting any charges and we have followed the advice of the bank 's representatives along the way, but now they are saying that we are fully responsible for the fraudulent charges despite the moving company not performing the job as promised. Now we are getting XXXX on XXXX sides of this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: AMERICAN EXPRESS COMPANY
State: NH

Complaint narrative:
I was late with XXXX payment and American Express assessed a {$38.00} late fee and then on top of this they are charging interest on balance at annual rate of 27 % when interest rates are at historic lows! These types of fees and rates are outrageous and simply wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: AMERISAVE MORTGAGE CORPORATION
State: AZ

Complaint narrative:
I recently became aware that Amerisave Mortgage Corporation participated in some illegal practices that harm customers. I did not know at the time ( until recently ) that I had any legal recourse for an issue I had, and I would like to seek restitution at this time. I applied for a 30 year fixed rate mortgage loan with Amerisave on XXXX/XXXX/06 ( loan application # XXXX ). As part of the process I paid for an appraisal. I also paid for " discount points '' to lower the interest rate on the mortgage. These payments were made through my credit card on XXXX/XXXX/06, and I have those records. Shortly after I cancelled the loan, as the terms had not been satisfactory. It was my understanding that the {$390.00} appraisal fee was non-refundable, but the {$3000.00} that was paid in discount points should have been reimbursed. I inquired many times to Amerisave to get this {$3000.00} reimbursement and they said they could not refund the money. Not only was this bad customer service, but caused customer harm to me in a deceptive and possibly illegal action of not returning the {$3000.00} in funds. Although it has been nearly 10 years, I would like to have this money refunded to me. I did not know at the time that I had any rights to get this money back, and was told to the contrary. Please advise. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Aargon Agency, Inc.
State: AZ

Complaint narrative:
Debt was paid well over a year ago

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-06-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: Aargon Agency, Inc.
State: IL

Complaint narrative:
AARGON KEEPS CALLING MY NO. IN VIOLATION OF T.C.P.A. 
THE PHONE CALLS ARE FOR A 3RD PARTY, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-01-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: AMA Advisors, LLC.
State: GA

Complaint narrative:
XXXX of 2016 i decided to refinance my 15 year mortgage to a 10 year mortgage with Homebridge Financial Services, lowering my rate from 3.5 % to 2.75 %. The loan officer locked the rate and started the process of refinancing. I paid {$650.00} upfront for an appraisal on the property. Over the next four months I sent in all of the documents requested to Homebridge. Unknowing to me, the rate expired and no one notified me of this so I could make a decision early on to move forward or not. I finally get a call at the end of XXXX 2016 to tell me that they did n't think that it would be beneficial to me to refinance now that the rates had gone up. I am requesting that my {$650.00} be refunded to me due to the incompetence of this company. Thank you, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: LEADER ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Applied home loan there was incorrect item on my credit report loan officer preapproved loan stating this error not an issue as we had proof of error. Made offer on home XXXX XXXX asked officer on phone and email if loan was good to go she said yes several times. Gave landlord notice. Come mid XXXX XXXX weeks before close. Officer states that error is an issue get a lawyer. I scrambled to get it fixed on my report. They ask seller for extension but said she might not wait till report is fixed. I wrote email saying why did n't you as an expert forsee this would be an issue. Could have been fixed in XXXX why did you say it 's all good go home shopping.? I paid appraisal but asked to put it on hold they said too bad too late.. The credit report was fixed XXXX XXXX with a close now XXXX XXXX. They claimed even though we were good to close needed time to fund they asked seller to extend possibly few days to 1 week. Seller refused cancelled contract. I was totally misled misinformed due to loan officer negligence lack of knowledge she even told me back in XXXX she ran my report past a underwriter but later admitted it was just score and income approved. As someone who does this for a living she should have stated this needs to be fixed before we proceed. Not it 's all good it 's not an issue. Go home shopping your preapproved. She then sent me unprofessional email saying I hurt her feelings after stating I was misled costing me stress loss of my home and XXXX dollars on appraisal. And I should n't point a finger at her. I want my XXXX refunded. ASAP.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-09 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Asset Management Outsourcing, Inc.
State: GA

Complaint narrative:
NRS has continued to attempt to collect a debt from me thats not mines, I never established a contract with NRS and they are stalling in removing the negative reporting items from my credit reports and they are in complete violation of the FCRA law and my name is being slandered. The are also violating the stature of limitation law in which the debt is not collectable. Account numbers # XXXX # XXXX # XXXX # XXXX, and # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
On XX/XX/XXXX I passed out due to a XXXX.My wife called the City of XXXX XXXX XXXX XXXX. I was taken to XXXX XXXX XXXX Hospital.Te XXXX charged my insurance, Medicare XXXX and XXXX XXXX XXXX, te amount of {$1400.00}. XXXX XXXX, my XXXX, paid {$1000.00}. For unexplained reasons Medicare denied payment for the remaining balance for which I was never billed till XXXX XXXX XXXX when I received a letter from Harris and Harris, a collection agency charging me {$500.00} for that service.On XXXX/XXXX/XXXX I contacted the City of XXXX XXXX ambulance services. They accepted that they had not billed me at the right address. A lady by the name XXXX assured that her office " would pull out '' the charges from Harris and Harris and would check the status of my account since my secondary had paid most of the charges and more than two ( 2 ) years had already passed.Nonetheless Harris and Harris kept on calling at different times of the day and evening, even on Sundays, demanding immediate payment of the " outstanding '' debt.On XXXX/XXXX/XXXX I called Harris and Harris and talked to a gentleman named XXXX who apologized for the inconvenience and assured me that Harris and Harris would withdraw the charges since his records showed the payment made by XXXX.According to him, XXXX had also made a payment on the account. Now on XXXX XXXX, XXXX I received a Delinquency Notification for the same amount {$540.00} on behalf of the City of XXXX XXXX Fire Dept-XXXX. I have called that agency and was told that there is no record of that debt since, apparently, more than three years have passed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
We called Citimortgage, our current lender, to find out about refinancing our home. We asked about the rates as well as questioned whether we had enough equity in our home to get the amount of money we needed. We gave our information to XXXX XXXX, a loan originator, who then looked up our property. He said that our value was {$350000.00} based on a XXXX estimate. We questioned the value and verbalized that the XXXX estimate was far too high ( on more than one occasion ) and XXXX XXXX reassured us that XXXX was " pretty spot on '' with its estimates. We went forward with the loan application and paid the fees for the processing and appraisal. After submitting endless paperwork and hounding the personal processor, XXXX XXXX to keep us up to date with any additional information she may need, the appraisal came back, and it was {$95000.00} less than XXXX estimate. XXXX XXXX then came back with a much smaller loan amount and higher percentage rate assuming we would continue. Needless to say, we felt like this was negligible on Citi 's part. XXXX XXXX prepares home loans as a profession, and we believed in his faith of XXXX estimate. We would have NEVER gone through the process or paid the money to CitiMortgage had we known the real value of our home ; it would have been obvious that the value of our home did not support enough to refinance. I called XXXX manager, XXXX XXXX ( NMLS ID : XXXX ) and stated that I believed it was negligent on Citi 's part to use an estimate that is so inaccurate and requested our money back. After XXXX XXXX listened to the audio from our calls with XXXX XXXX he agreed ( while not admitting fault on Citi 's behalf ) to refund our money. Since then, I have emailed XXXX XXXX weekly for well over one month and received various statuses regarding the refund I was promised. Ie. " Team overlooked decline note '', " reprocessed ''. I feel as though CitiMortgage/XXXX XXXX should keep their word and refund the money. The last correspondence I had with him was Wednesday, XXXX XXXX, 2017, where XXXX XXXX said he " resubmitted the refund on XXXX/XXXX/2017 and it should be credited to the card in a few days ''. My husband called the following Monday XXXX/XXXX/2017 and XXXX XXXX said the same thing. It is now Friday, XXXX XXXX, 2017, and well over 30 days from when we were originally promised our money back by XXXX XXXX.

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 monetary relief
Consumer complaint received 2016-12-28 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Today a XXXX XXXX XXXX ( sounded like what he said ) from the checking account investigative unit of Citibank called me. According to him the bank sent him CFPB case # XXXX which deals with the closed XXXX credit card ending in XXXX. He didnt know why and ask me. I told him I did n't know why the bank contacted him but it sounds like their norm of miscommunication. 

My problem with Citi is why did the banks IRU send my closed checking plus payments to the credit card? That checking account ended in XXXX. The account numbers were written on the checks and money orders. I attached copies of the checks because Citi accused me of not paying, yet they cashed then applied the money to the closed credit card. XXXX XXXX kept asking me the same question at least four times. To me this was a rhetorical question ; he knows the answer. 

In addition to the Citi still has not addressed how can a closed XXXX account be a 169 days late as of XXXX XXXX? Now that Citi deducted the misapplied {$150.00} it has increased the amount owed on the closed credit card account. As stated in case XXXX I stopped the monthly {$70.00} ACH to the credit card and will pay {$50.00} a month until Citi gets their act together. I hope soon because they are purposely keeping me in extended debt to them on purpose.

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 2016-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: FMS Inc.
State: WA

Complaint narrative:
FMS inc just showed up on my credit with no mail no email no calls to me to inform me of this debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi closed my credit card and asked me to pay the remaining balance on the card. I did not receive any of the statements after the card was closed, and my access to online statements and online bill pay was blocked by Citi. When I called in, I was given no information on my account, and was told that I would receive a call back from a supervisor to discuss the issue within 1-2 days. I never got that call back. I was charged late fees and interest totalling {$50.00}, which I refuse to pay. I was told that I have to pay these fees because the statement was sent. Bottom line is, I did not receive any letters, statements, emails, notifications, texts, or communications of any kind after my account was closed. I was told by Citi that in order to get the fees removed, I would have to write a letter to the President. This is ridiculous and extremely disrespectful of my time.

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 2017-01-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
My husband and I applied for a re-finance loan with our current lender. Jumping through all the hoops that we have with them to get all the documentation to them in time to close, they have now requested that on the application, in the declarations sections we must check yes to XXXX and XXXX since we had a Short Sale. Then though we DID NOT have a foreclosure. They told us to do so or no loan.

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 non-monetary relief
Consumer complaint received 2015-06-08 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
The promotional period ended but the credit card company did n't send any information regarding the fact that the APR was going to change. When contacted the company told that the promotional period end date was mentioned in the statement. There was no time to do an opt out of the higher APR and the CC has charged me around {$3000.00} as interest. As I am enrolled in paperless statements, there was no emails/paper statement send out to me regarding this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation