vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-02 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I signed up for XXXX XXXX XXXX card with a signup bonus of XXXX Membership Rewards after {$1000.00} spend in 3 months. I completed my spend on XXXX XXXX. I was supposed to get the bonus points XXXX weeks after. Never received the bonus. Contacted Customer support on multiple occasions who confirmed the offer and confirmed that I have completed the offer terms and told me that the bonus should be awarded shortly - yet the bonus has still not been received. I am extremely disappointed with how this matter has been handled. I expect XXXX XXXX to honor the offer terms without any further delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-01 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: ENCORE CAPITAL GROUP INC.
State: KS

Complaint narrative:
I am writing this letter because I have repeatedly requested a BREAK DOWN of this past due billing information that I have received. 

I have repeatedly told MCM that I do not owe this amount because I was on a monthly plan with XXXX paying {$50.00} a month. The bill that they are charging me for looks to be adding the cost of a Galaxy S phone hat I was using my sim card in, but that phone was on my husband account and not mine. He was charged for that phone and paid it off on another collection account with MCM. They are trying to charge us XXXX for the XXXX phone. I was using the phone ( switch my sim card ) but my husband was the one who had got the phone on another phone number and not mine. I am inclosing a copy of the billing information I have received, and as you will see they still did not break down the past due billing for me, only telling me I owe X amount for this account. 

I am asking to have this account dismissed and removed from my records because I am not paying for something I have tried to explain to them I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
American Express send notice in the XXXX billing that they are changing their payment options in XXXX XXXX. In XXXX, an interest rate will be charged on any amounts that are not paid in full by the payment due date, which according to my XXXX XXXX bill, is 7 days from the date of when I received it ( yesterday, XXXX XXXX and my due date is XXXX XXXX. ) I have called American Express and they told me they would comply with all federal laws, but the way this notice reads, they are not. Your rules clearly say that they must give us 21 days each month to pay the bill. Currently, we are given a " please pay by '' date ( one week ) and a closing date which is approximately 14 more days after the " please pay by '' date ( and the correct, approximate 21 days that the law requires ). But the American Express notice states that the interest will be applied to any amounts that are not paid until the closing date. Please look into this and make American Express comply with federal law. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Flatonia Investments, LLC
State: NC

Complaint narrative:
I am in the process of building a home with Envoy mortgage company in NC, and it has become a nightmare. When the time came to get the finishing apprasial, Envoy instead of having the same appraisal company go out when construction was about to be complete, they sent a whole new appraisal company out to do the second appraisal. The difference from the first appraisal and second is {$28000.00}. They said they use a third party and have no control over if they send out the original appraiser or not. 
I can not come up with that kind of difference and so the builder has to stop construction on the house to control their loss litigation. The Envoy mortgage basically has thrown their hands up and not taken any responsibility to finish the process they started with me. SO they got me into a high interest only loan to purchase my land and build a house and now they will not finish the job and complete my final mortgage. I 'm in jeopardy to lose my land, the new house that I have already invested thousands to build in the first place, my credit, oh yes and my family will have no place to live. I would never have put myself in this position if I had know that something like this could even happen and Envoy mortgage company basically just quits when they created the situation by using XXXX different appraisal companies. Now the mortgage lady XXXX wo n't even return the builders calls and we struggle to get resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
American Express is not reporting consistent information after I 've left their company with a XXXX balance and closed the account. The account still reflects an outstanding balance of the entire credit limit plus residual interest which has since been wiped from the account. 
Please explain to this company that they should not be reporting FALSE information after a customer pays the remaining balance off and closes an account. 

Please refer to the images which go into detail on the payment information as well as the account closed listing. This particular listing indicates that I closed the account with an outstanding balance which is not true.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AMA Advisors, LLC.
State: IL

Complaint narrative:
I attempted to do a streamline refi with Homebridge Financial XXXX XXXX XXXX. They contacted me with the refi. I told them I am filing a Chapter XXXX bankruptcy. Can this still be done, " I asked ''? The loan officer said sure no problem. I also disclosed right away to the loan officer about our loan modification that has been closed and recorded and gave him copy of that too. Our modification lowered rate from XXXX to XXXX and they took a balance off of XXXX estimate. I lost my job XXXX XXXX and Illinois would not extend my unemployment past XXXX XXXX. Well filed BK in XXXX XXXX new loan approved with the Judge XXXX XXXX XXXX. I made first payment in XXXX XXXX on new loan. Anyhow with everything the old loan with homebridge not paid off they said they want interest of XXXX from XXXX thru XXXX XXXX XXXX. They gave me a lender credit of XXXX. I already paid closing costs XXXX for escrows etc. They froze the new loan after I made first payment. 
XXXX and XXXX XXXX XXXX cell XXXX email XXXXXXXXXXXX XXXX XXXX XXXX XXXX Il XXXX ... Purchased XXXX/XXXX/XXXX XXXX FHA case # XXXX shows closed XXXX/XXXX/XXXX old XXXX number XXXX Fha new case number XXXX shows only XXXX opened. new loan number XXXX. We are making payments with the collections department of Homebridge since this closing is all messed up. They did not clear the check for XXXX XXXX payment yet??? We will make XXXX XXXX this Friday. Not sure what to do our Bankruptcy attorney is trying to fix but they wont talk to her for over a week now. What is our legal rights on this? I have asked since XXXX XXXX for an explanation since I found out with Homebridge and XXXX XXXX, Homebridge said we will only speak with your attorney. My attorney was requesting the reason either a hud or a breakdown of why they are asking for final amount from me is XXXX. I already paid XXXX in closing costs on XXXX XXXX XXXX. This does not seem to be correct. I asked if they are recalling the modification. The pay off request for XXXX through interest of 4.375 on a loan amount XXXX through XXXX XXXX XXXX. They shaded out the Fha case number as well as loan number. Thank you for your assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Columbia Collection Service, Inc.
State: OR

Complaint narrative:
Columbia collection company has cancelled my payment arrangement twice and then immediately garnished my bank account for debt repayment. They took my boyfriends workers compensation money out of our account in XXXX 2014. Now they sent me a letter saying I defaulted on my new payment arrangement because it closes every six months. I 'm apparently supposed to re start it or they consider it a default and garnish my bank account again. What can I do?!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: AMERISAVE MORTGAGE CORPORATION
State: MD

Complaint narrative:
XXXX I started the process of refinancing my mortgage by going to XXXX XXXX. I was contact ed by a company named Amerisave. I made it clear to there representative ( XXXX XXXX ) that I was on long term XXXX. In addition I was contacted by another rep ( XXXX XXXX ) and I informed him as well. There only concern was if my ethnicity was XXXX. It is now XX/XX/XXXX an I was denied credit for something they termed revolving credit concerns. Prior to the denial I was informed that I would have to get documentation for my XXXX that would state I would receive compensation for a minimum of three years. That was the only thing holding up my Re-Fi. My response was, do you ask the non-disabled for a guarantee of three years of future employment? Of course not.

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 2015-04-13 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
In XXXX, 2014 I received a collection notice from Aargon Collection Agency ( XXXX XXXX XXXX, NV XXXX ) requesting payment for {$7900.00} for an alleged medical bill. 
I immediately responded back, via certified mail, requesting some form of documentation, financial acknowledgement or media. 
After careful review I noticed their was n't any social security number, treatment date or a breakdown of any services provided. 
I wrote back to the collection agency advising them to contact their client and have the account removed, because clearly this was n't my debt and I was never a patient at the facility in question. 
Recently, I pulled my credit profile and noticed the collection agency placed this balance on my credit report knowing they had the wrong person! 
Aargon Collection Agency has clearly violated FDCPA and FCRA and has placed inaccurate information on my credit report knowing they have the wrong person.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2016-09-24 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Aargon Agency, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX misdiagnosed my condition, I was there on a Sunday afternoon about a XXXX, I was given an XXXX and sent home. Monday night I was admitted into XXXX Hospital and was operated on Wednesday morning. I almost lost XXXX because of them. Also I never received notice from Aargon Agency that they were collecting this debt. They have violated the FDCPA as well as the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: Lustig, Glaser & Wilson, P.C.
State: MA

Complaint narrative:
LUSTIG, Glaser & Wilson P.C FAILED to comply with the Massachusetts Consumer Protection Act. 
Creditor is in violation of 209 CMR 18:18 ( 1 ), ( 2 ), ( 3 ) Creditor is in violation of 940 CMR 7:07 ( 4 ), ( 8 ), ( 9 ) AND ( 15 ) Creditor is in violation of 940 CMR 7.08 ( 1 ), ( 2 ) If the debtor, or any attorney for the debtor, notifies the creditor in writing within the 30-day period described in 940 CMR 7.08 ( 1 ), that the debt, or any portion thereof, is disputed, the creditor shall cease collection of the debt, or any disputed portion thereof, until the creditor verifies the debt and provides the debtor, or any attorney of the debtor, by first class mail, the following materials : ( a ) All documents, including electronic records or images, which bear the signature of the debtor and which concern the debt being collected ; ( b ) A ledger, account card, account statement copy, or similar record, whether paper or electronic, which reflects the date and amount of payments, credits, balances, and charges concerning the debt, including but not limited to interest, fees, charges or expenses incidental to the principal obligation which the creditor is expressly authorized to collect by the agreement creating the debt or permitted to collect by law ; ( c ) The name and address of the original creditor, if different from the collecting creditor ; and (

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Asset Management Outsourcing, Inc.
State: WV

Complaint narrative:
I am disputing a medical bill placed on my account by Nationwide Recovery Service for {$380.00} ; due to the fact it has been previously paid. This collection has been paid, and then transferred to another credit company. This account has already been removed from my XXXX account. After XXXX completed their investigation, then immediately this account was placed on XXXX credit report. As you can see this account was opened on XXXX XXXX, XXXX. I have never been contacted by this company before stating that I owed any amount of money. Now, over 5 years later, this company has added a debt collection to my account, with no contact or billing over a 5 year time period. Over the past 5 years I owed XXXX Medical bills that have gone into collection. XXXX paid to XXXX XXXX on XXXX/XXXX/XXXX and another to XXXX XXXX XXXX/XXXX/XXXX. I am certain that I owe no medical bills at this time and that this outdated medical bill is incorrect, due to the fact that during the time of service my medical insurance paid a portion, I paid a portion of the medical cost, then on XXXX/XXXX/XXXX I completed a {$600.00} payment to XXXX XXXX company for any remaining balance of the medical service. 

This continues to be an ongoing problem. I accumulated medical bills while in college. Since this time I have paid all my debts that originated from a XXXX medical procedure. It seems the more I work on my credit, another new debt that has been paid is added. I appear to be playing whack a mole with these medical bills. I pay XXXX bill in good faith, for it to turn around and be sold to another collection company and be added to my account. As an adult these frivolous debts are affecting me in many ways. I have been in the process for several months buying a house. I once again have to put that on hold, because of the new debt collection added to my XXXX credit report. The first time I put buying a house on hold was in XXXX of XXXX, due to the fact this same debt was added to my XXXX credit report. It has since been removed from my XXXX credit report, to be added to XXXX immediately after. I 'm wondering when this will stop. 

Another way these debts affect my life is for background checks. I work for the XXXX XXXX XXXX XXXX. None of these accounts appeared on my background check completed in XXXX XXXX. Since then, they have continued to appear from a bill dating in XXXX XXXX. In the near future I am due for my 5 year background check and here I am again. 

All In all, I 'm just looking for a way to have these bills removed for good. I have sent the attached information and filed a dispute with XXXX, but it 's anyone 's guess if they will remove the bill or not from my credit file with their company. I have statements attached that show all of my past debs have been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Asset Management Outsourcing, Inc.
State: FL

Complaint narrative:
Nationwide recovery came to an agreement of {$420.00} per month to pay off partial debt on an original debt of $ XXXXafter submitting all my payments every month for 4 months they put a derogatory discharge on my credit for the remainder part.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: AAS Debt Recovery, Inc.
State: VA

Complaint narrative:
I have a collection on my XXXX report from the company AAS DEBT RECOVERY INC XXXX They claim is is from a bank, I have called this company and they have no debt validation and they still will not remove the collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Javitch, Block & Rathbone LLC
State: OH

Complaint narrative:
XXXX hired a third party debt collector for my defaulted debt. The debt collector is XXXX. XXXX is out of my state where I borrowed, so they have farmed it to a network debt collector called Javitch Block. I have worked with Javitch Block for 5 years to repay the debt I defaulted on under the pretenses that there was no interest, and the current debt balance is in the area of {$8000.00}. After not receiving paperwork from the creditor nor Javitch Block for some time, I inquired in XXXX 2015, which ended up in having to go to the XXXX for assistance after many refusals to assist me in getting this information. To date, and after many emails, many letters, certified mail requests, I have not had the debt verified by Javitch Block. This includes their right to collect from me, whom they are an agent for, balance, interest, and other pertinent information I am due under fair debt collection rights. Additionally, not only has the company not verified the balance of this account, but by misrepresenting the balance and interest rate over the phone, they have misplaced nearly {$6000.00} of the debt as the creditor states that money went to interest. I am not in a position where I have paid {$12000.00} and only received half of the credit due to dishonesty. Furthermore, the debt collector, who states they are an agent for XXXX refuses to honor the settlement agreement address in XX/XX/XXXX by XXXX themselves. I have not received a written confirmation that after misleading me for 5 years, that Javitch Block intends to accept a lesser payment on behalf of their client without suing me for failing to meet our initial payment plan. I also have been told by Javitch Block in recording calls that the collection account is in a " holding '' position, and while I can make payments, it is not an active collection. Upon disputing the credit line on my credit files, XXXX states otherwise and continues to post a much larger balance.

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 2016-11-10 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: TekCollect Inc.
State: PA

Complaint narrative:
hello, my name is XXXX and my reference number is XXXX i join the college on XX/XX/2016 when i add a class i had did all the paper work for FAFSA . because every time i add a class i did a FAFSA. i had summit all the paper work that FAFSA needed and they said everything has been done that i do n't have to worried that i can start classes because FAFSA had paid everything. i called the college and talk about the issue and they are not helping me at all. so college is making me to pay it twice. i do n't work and i can not make a this payment. we go college for batter education not to pay the amount twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Apothaker & Associates, PC
State: PA

Complaint narrative:
Through a consumer action agency, I made contact with Apothaker XXXX P.C. ( the attorney 's office ) handling a judgement against me for XXXX XXXX credit card. The only offer they would make required me to pay {$640.00} /mo for two years. They said they had a rule against extending the time. 
I am a XXXX veteran on a fixed income and ca n't possibly meet these demands.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02 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: Aargon Agency, Inc.
State: MD

Complaint narrative:
The company called me asking me if I knew certain names I did not. They asked was my social XXXX it did not match mine! They have placed it on my credit report and the debt is not mine!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
Contacted a relative after I asked them not to repeatedly

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: TX

Complaint narrative:
I paid my mortgage in full. My mortgage was sold right under my nose and then Caliber who have my mortgage is telling me that I now owe XXXX. I they raised my payments to XXXX after paying XXXX all of those years. My mortgage is a XXXX account. They are stealing!!! There is no recording of the sale of my home and no promissory note. Now Caliber has been reporting a 120 day late payment on me every month and I have made payments that I do not owe every month. I have all of my bank statements showing that I have made payments every month and finished paying for my home and now Caliber who has no legal right to my information is ROBBING ME!!!

Company response to consumer: Closed with explanation