vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
Had a truck loan from HSBC. Kept track of the balance every month trying to pay it off. Loan gets sold to XXXX XXXX and balance is overnight more than {$2000.00} higher. Called HSBC to get balance they sold to XXXX and they refuse to cooperate. I paid the loan off but I still do n't consider this settled. Also never got a lien release from XXXX so I cant register truck in my name only.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 00:00:00
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Due to American Express ( Amex ) not properly crediting my account for a disputed balance totaling {$66.00} after repeated written request with supporting documentation that the disputed balance of {$66.00} should be credit in full I cancelled my Amex account # XXXX in writing on XXXX/XXXX/2015. 

Prior to the XXXX/XXXX/2015 account cancellation I wrote Amex on XXXX/XXXX/2015 and requested that they transfer all my past and future " Membership Rewards Points '' to my existing XXXX XXXX Amex account # XXXX This is fully allowed in the Amex MR Terms and Conditions under the section titled " Forfeiting and Getting Points Back / XXXX. For Canceling Your Account ''. The problem is Amex will not honor these terms and I have not received my earned points or a check for these earned point.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19 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: MN

Complaint narrative:
My letter to MCM - Midland Credit Management , Inc. : MCM - Midland Credit Management , Inc. XX/XX/XXXXTo whom it may concern, I have been receiving these types of letters since last year XX/XX/XXXX. I have also spoken to XXXX different representatives on your end in regards to this. The XXXX times that I have called XXXX representatives were unable to provide information but the following:1. The account was opened in XX/XX/XXXX ( I was only XXXX ). 
2. The account name is " Structure ''. ( What is " Structure ''? NOBODY can explain to me what " Structure '' is? ). 

My thoughts, concerns and question is WHY after 11 years was this being brought to my attention in XX/XX/XXXX? Why ca n't anyone from MCM tell me what this account/credit/ '' Structure '' was for/is? 
I have XXXX DEBT under my name. I have ran my credit reports yearly and most recently back in XX/XX/XXXX and have never seen any of this? 

If MCM and nobody on the business end can provide me with any of the following information to explain to me who, what, when this account was and what it was? I wish that MCM make no more contact or communication with me and wish to please be forgiven of this mysterious " debt '' I owe in the amount of {$990.00}. I have done all that I can do by receiving these letters, following up with MCM and I get the same run around with no answers to my questions and especially this " debt '' going on 11 years now. 

Again I am asking you to please forgive me of the above debt. This has been a hassle for the last year on my end. Nobody can provide me with any type of paperwork, documentation, signature or what " Structure '' is? 

Until further notice please do not contact me via mail or phone. 

I thank you kindly for your time and patience in regards to receiving and reading this letter!

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

Complaint narrative:
The American Express XXXX XXXX Preferred Card was issued by mail and I did not receive the card. I contacted American Express, advised that I did not receive the card. American Express notified me that they would ship a replacement card via XXXX XXXX Delivery. I did not receive the card. The card was allegedly shipped by for XXXX delivery several more times over the next two weeks. I finally received the card more than a month after I was initially told that I would receive the card. I was contacted by American Express Card Member Services and was advised that I would receive either XXXX points and XXXX credit for the problems with the delivery of the card. I later determined that was a confusing promise by Amex, as the XXXX XXXX Rewards card accumulates a cash credit and not point credits. I never received the XXXX credit or the XXXX point equivalent as promised. When I called Amex Customer Service there were no notes in their system regarding the previous conversations or the issues with the delivery of the card. I was a previous Amex cardholder through XXXX for years and I have come to expect a certain level of customer service from American Express. I am embarrassed that my customer service experience through American Express has not been as pleasurable as my American Express Customer Service experience through XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-24 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
American Express sent me an offer on its Delta Skymiles Card offering me XXXX miles if I signed up for the card and spent {$1000.00} on the card in the first 90 days. I got the card and spent the {$1000.00} within 90 days. American Express denied me the bonus miles because in the fine print terms and conditions it said that I previously had this card and therefore was not eligible for the promotion. This should have been made clear to me when I signed up or I never should have been offered the promotion to begin with if I was ineligible.

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

Complaint narrative:
I received an offer from Delta XXXX for a Delta SkyMiles American Express credit card. The email stated : " The time has come to plan your next big adventure. Apply now and you can earn XXXX bonus miles after you make {$1000.00} in purchases on your new Card within your first 3 months '' I signed up for the card, and spent {$1300.00} in the first three months ( see attached credit card statement ). However, after several months, I realized that I had not been credited these points. I called Delta to explain that I had received an email stating the offer, and they forwarded me to American Express. American Express then informed me that they had changed the offer to {$2000.00} in the first three months, unbeknownst to me, and that since I had spent only {$1300.00} I was not eligible for any points. They asked me to FAX in the original email I received and they assured me that they would follow up. I never received a follow up. 
So I called again in a couple weeks and went through the same explanation, which took about XXXX2 hours of my time. The supervisor assured me they would follow up. Nothing. They also gave me an email account with which to send my original email offer. I never heard back but did receive notification that the email went through. 
I followed up again in a few weeks and spoke to another supervisor, who informed me that the marketing department rejected my request for the XXXX points that I had been promised in the original email, still stating that the offer was for {$2000.00} in spend in the first three months ( despite the offer in the email - I have attached to this complaint ). 
I cancelled the credit card out of frustration. 
Please help me do whatever I can to rectify this situation regarding the fraudulent and misleading email I received. 

This has resulted in a loss of {$500.00} worth of airline miles to me directly, in addition to 5 hours of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: AMERISAVE MORTGAGE CORPORATION
State: AR

Complaint narrative:
XXXX XX/XX/2016, I applied for a refinance with Amerisave Mortgage. I submitted all requested document in a timely manner but every time I fulfilled the request, Amerisave would request more documents. On several occasions I requested the underwriter or processor at Amerisave call me with any concerns but they did not. Moving forward, on XX/XX/XXXX, we still had not closed on my refinance so I tried another lender. Since I already had a FHA Appraisal, the new lender informed me to requested Amerisave to send them an Appraisal Release Letter. Amerisave has not drafted the letter stating the middle man XXXX or the Appraisal company would have to draft the letter. Both of those parties state, they are unable to process that request because Amerisave requested the appraisal. Based on what I have learned in the process ( from mortgage companies, XXXX, and the appraisal company ), the Appraisal Release Letter is a standard industry practice. I am asking for your help with this process. Thanks in advance for all your help. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-05 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Lustig, Glaser & Wilson, P.C.
State: MA

Complaint narrative:
Lustig, Glaser & Wilson have not verified that I owe the debt. I sent out a letter to Lustig, Glaser and Wilson to verify that I owe the debt but they did not respond.They are not even listed on my credit report, however XXXX XXXX is who also is not giving me any information for the debt in question. I am now being sued by Lustig Glaser Wilson for 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 2017-03-31 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TekCollect Inc.
State: NC

Complaint narrative:
This company named Tek Collect Inc, has a put a collection account on my credit report that is not supposed to be there. 

The original creditor was paid in full. The original creditor informed me that Tek Collect Inc, was not supposed to list this account on my credit reports. The original creditor also informed me, that they told Tek Collect Inc to remove this erroneous account off my credit reports. But Tek Collect Inc will not and the account is still showing on my credit reports. 

Tek Collect Inc, has knowingly violated the FCRA, but placing erroneous and fraudulent information on my credit reports. Please make them remove this account. 

Account Name : Tek Collect Inc Account Number : XXXX Thank you for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Mutual Management Services LLC
State: LA

Complaint narrative:
Have received multiple phone calls to my cellular phone from a debt collector at XXXX asking for a person that I do not know ( XXXX XXXX? ). I have told them on multiple occasions that they have the wrong number and that I do n't know the individual they are looking for, however, they keep calling back. I received a voice mail from them again today and I returned the call to notify them that they have the wrong number for this person and that I do not know anyone by that name. Each time I started to explain to him that they have the wrong number, he hung up on me. So I called back twice more. The second time he hung up again and the third time I called he started saying obscene things like " maybe you keep calling back because you want to give me a XXXX or you want XXXX '' and " can I look you up on XXXX. '' I told him I was going to report them for harassment and he continued to say obscene things until I hung up. He never agreed to remove my phone number from their records. I asked him repeatedly for the name of the business he worked for and what his name was and he would n't give me either, just kept repeating obscenities. He had a thick accent, so I could n't understand what the name of the business was when he answered the phone. I did a reverse lookup for this phone number and the XXXX XXXX shows it as a " suspected spam '' debt collections company in XXXX, FL with multiple spam reports.

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 2016-07-12 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: AMERISAVE MORTGAGE CORPORATION
State: ID

Complaint narrative:
I have been refinanced my mortgage with AmeriSave Mortgage Corporation on XXXX 2016. Then I told XXXX XXXX XXXX and XXXX XXXX XXXX that I will pay a Property Tax and Home Insurance by myself. But XXXX XXXX and XXXX XXXX and their company did not agreed it. They forced me to gave money to them and they told me that they will pay Property Tax and Home Insurance for me. Then I sent my money to them and they collected my money but they did not pay Property Tax for my home. Today, I got a bill with interest, and late charge from XXXX XXXX XXXX as following : Base Tax : {$830.00} Late Charge : {$16.00} Interest : {$58.00} I am trying to contact them but they told me that they did not have collected a money for Property Tax and Home Insurance. I would like to know that are they a scam company or not?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Aargon Agency, Inc.
State: FL

Complaint narrative:
i have no idea why do i owe {$240.00} ... i dont wan na pay anyone that i dont owe to anyone ... .they keep sending me mail everyother day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Lustig, Glaser & Wilson, P.C.
State: CT

Complaint narrative:
We are trying to get short sale approval for a XXXX lien. The loan was with XXXX, then service released to XXXX XXXX XXXX XXXX XXXX XXXX, then on XXXX/XXXX/15 service released again, this time to Lustig, Glaser & Wilson. I 've put in XXXX calls to Lustig 's office, and have sent an Authorization to Release to Lustig 's office XXXX times. They say they have XXXX of new files, and so maybe it has n't loaded into their system yet. They say there 's nothing they can do to assist in finding the loan. We have XXXX lien approval and must get approval from this XXXX lien to close. Please help!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CO

Complaint narrative:
I filed an application for a mortgage refinance with Amerisave Mortgage Corporation on XXXX XXXX, 2016 in Colorado. I submitted all requested information on a timely and expeditious bases. It is now XXXX XXXX, 2016, and there is no answer as far as a credit decision. No one from the company will speak to me.

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 2016-02-17 00:00:00
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Ceannate
State: TX

Complaint narrative:
I agreed to work with FMS Investment Corp. ( FMS ) XXXX XXXX XXXX XXXX XXXX, IL XXXX to rehabilitate my school loans. However, there have been calls made to my place of employment as an " emergency '' and the notes are being delivered to my classroom during my instructional school day.Also, not only do I receive excessive calls throughout the school day, they also call my husband 's phone excessively. 

The calls are daily and begin at XXXX on XXXX phones and do not stop until XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AMA Advisors, LLC.
State: WI

Complaint narrative:
On XX/XX/XXXX I contacted Homebridge Financ to find out why we had not received our escrow check to pay our XX/XX/XXXX taxes They said they would pay it themselves instead of us paying it They then said they did not receive a tax bill so i faxed to them XX/XX/XXXX i contacted them on XX/XX/XXXX cause taxes still not paid then again XX/XX/XXXX check still not mailed. they then said i signed a paper work stating i for them to pay the taxes for us NOT TRUE. When we were with XXXX our escrow check was always mailed to us by XX/XX/XXXX so that we could pay our taxes within the same year. Someone also indicated to me that as long as our taxes are paid by XX/XX/XXXX you will still be able to file your taxes by XXXX when the check finally arrived it was XX/XX/XXXX it was shown the check was cut on XX/XX/XXXX but the envelope post mark date was XX/XX/XXXX XXXX I was being told numerous of times that it was mailed but it was not we took it upon ourselves to pay our XX/XX/XXXX taxes before XX/XX/XXXX because the check still had not come. The village returned our personal check after receiving the check from HOMEBRIDGE. I am also being told that the surplus from my escrow will not be returned to me because HOMEBRIDGE until XX/XX/XXXX because they are waiting to ensure my property insurance is fully paid up. Every year I pay my property insurance my property insurance is part of my mortgage payment. why are you holding my surplus to draw interest? We want to know how this can be corrected for XX/XX/XXXX and future years we want our escrow check mailed directly to us at our home address post marked no later than XX/XX/XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: MO

Complaint narrative:
Harris & Harris makes repeated phone call daily to my cell phone : XXXX phone calls on XX/XX/2017, XXXX phone calls on XX/XX/2017, XXXX phone calls on XX/XX/2017, XXXX phone calls on XX/XX/2017

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AAS Debt Recovery, Inc.
State: FL

Complaint narrative:
Continues to attempt to collect debt. Refuses to allow proper validation of debt. When trying to dispute they have an auto message that populates which means they are not even looking into my information. Stated payment arrangement was made, I requested recording of such arrangement be sent to CFPB and BBB as well as myself of date that payment arrangement was made. They stated sent certified letter asked them who signed letter as it was not myself. I want signature sent to CFPB. I want original documents and signatures made from myself binding me to a contract with AAS Debt Recovery Inc, as no contract exists to my knowledge. I 'm a XXXX veteran and getting taken advantage of by this debt collection agency who do n't even care enough to hear my disputes. So glad to have fought for someone 's freedom to rip off and misrepresent to others so your welcome for that freedom.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Asset Management Outsourcing, Inc.
State: SC

Complaint narrative:
I paid a hospital bill before due date. Weeks later I received letter from a collection agency saying I owed the same debt so I contacted the hospital system with my receipt and they assured me that it would be worked out because the account was labeled " paid in full '' and subsequently closed. Later the collection agency called me to collect the same debt so I contacted the hospital again and they reassured me that it would be taken care of and would contact the collection agency to stop attempting to collect the debt. Later I was notified the the debt had impacted my credit so I contact the hospital again and they have located the payment and would investigate why the paid bill was still sent to collections. I noticed my credit had recently dropped significantly because the debt so I inquired about the investigation and the hospital representative said they have noted to investigate the payment, not the collection and recommended I come in with the receipt to help clear up the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I purchased cruise from XXXX on XXXX XXXX, after logging in to CiTi 's Cash Bonus Center and did everything as CiTi recommends, that is first I logged in to CiTi 's Bonus Cash Center and then clicked link to XXXX web site where I signed into my XXXX 's account. All this time, CiTi 's Bonus Cash Center web page was open as required for getting XXXX % bonus points. XXXX website required to call them to get some awards for the cruise. I called and worked with XXXX 's cruise salesperson who told me repeatedly when asked that paying on phone while you are on XXXX site linked from the CiTi Bonus cash center is the same as paying on line. 
CiTi refused to pay bonus points of XXXX % and refused my appeal on the grounds that I did not make purchase on line but on phone and what a third party ( XXXX ) who is their partner in their marketing and advertising and promotion does NOT matter and is irrelevant here. To me, if you partner with someone, you have joint responsibilities to honor your commitments. 
It seems to me that CiTi is looking for a loophole or some technicality to refuse to pay when I am out of significant amount of cash. 
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