vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
Applied to Citimortgage for loan modification on an existing mortgage. Filled out all necessary paperwork and provided all information as requested. 
I was first told that all the documents I sent were " lost '' - even though they previously confirmed in an email that they had received them and they were being reviewed! 
Did not hear back for weeks and was finally sent an email stating that " because of recent personnel changes, we 've assigned you a different homeowner support specialist. This transition will be seamless and will not cause any delays to the processing of your mortgage assistance application. " This has happened XXXX times and each time I receive the notice that I 've been assigned a " different homeowner support specialist '', by the time I hear back from my new " homeowner support specialist '', I am told that all or some of the information they have requested ( that I provided ) has to be resent due to the fact that it 's out of date. 
I spoke to each specialist and voiced my concern about this stonewalling tactic but the matter has not been resolved and I continue to get applications for assistance sent via XXXX. 
The bank has no intention of providing a loan modification and has no acted in good faith. 
And based on other similar complaints that I have read online, this is an intentional practice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XXXX/XXXX/15 I bought XXXX XXXX from Best buy XXXX Month financing agreement, for that reason I apply their credit card. 
To get my credit card I called Best buy XXXX times, They wo n't send to me my credit card or monthly statement, For that reason I requested ' to close my account and let me now my unpaid balance ;, In the first time they mailed to me unpaid statement Balance {$540.00}, the statement included past due balance {$56.00} and fee charged $ XXXX called to Best Buy card service ; I talked to her Name - XXXX her ID No. XXXX on XXXX/XXXX/15, they agree to remove the above charges, because they never mail to me statement or my credit card. 
According to my agreement I paid minimum amount {$100.00} on XXXX/XXXX/15. 
On XXXX/XXXX/15 I checked my credit score ; because of their bad report my credit score is damaged. 
I called Best Buy credit card service, I talked to her Name XXXX, her ID XXXX, and she told me my credit score will fix soon, but my score not fixed, Without my mistake they damaged my good History, so you may help me to fix my good name.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-03 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: Health Services Asset Management, LLC.
State: AK

Complaint narrative:
I have requested removal of an item from my credit report. The creditor removed it from my XXXX credit report correctly, but has not and will not remove the same account from my XXXX credit report. I 'm asking that the creditor please remove this deragatory mark from my XXXX report as well. The company is Health Services. This information posted on XXXX is incorrect and should be removed as it was removed accurately from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-03 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I sent in the payment that was due for the month. The payment contained a little extra with a note, " apply excess to Loan XXXX. '' Instead of applying the amount due to each separate loan and the extra to this specific loan, it applied it all to Loan XXXX. We received calls saying that it was past due and asking to collect. When asked the last payment they could see that it was improperly applied. We were then told to change where we sent the money and to add the -XXXX at the end of the payment so that it would be applied to all. The -XXXX has already been added as requested earlier as this has happened exactly the same way for the last 5 months. We had been told to send it to the Exceptions Center and that this should solve the problem. We have been doing that. We are now being told that we should send it the regular processing center with -XXXX and that should solve the problem. Yet, we already send it with -XXXX and it is still not processed appropriately. This has been a recurring problem since XXXX 's payment was mis-applied. The same thing has occurred each month since. We get multiple collections calls asking us to pay for what has already been paid and that Citibank has been unable to process correctly. When speaking with representatives they give contradicting advice to solve the problem. We have spoken with someone who stated they would make sure the check was applied correctly after we filed a complain previously, and yet that was never done for that month. Even after following what she told us to do to do, the problem continues. We feel harassed. We get the calls on Saturdays, Sundays, and holidays. Several times the representatives have refused to speak to those authorized on the account and asked for personal information that was not necessary to give over the phone. The most recent representative who called to collect was respectful and did try to help. His information did contradict what was given previously. It seems as if they would prefer us to not pay extra to solve the problem. We understand we can only pay a little extra now, and yet do not want to be penalized for paying extra.

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 2017-02-25 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
In XX/XX/XXXX I applied and was approved for a Citi AT & T Access more card, it came with a bonus offer of a free att phone ( {$650.00} ) worth if you spent {$2000.00} in 3 months, which I did. I did not use the offer immediately because the terms and conditions of the offer listed no expiration date. I called in on XX/XX/XXXX to check if the offer was still attached to my account and the lady said that it has expired. I then rechecked all the terms to make sure. Multiple calls and chats led nowhere, no offer to redo the spending requirement ( which I am willing to do ), no offer to fix the expiration problem.

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 2017-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Aargon Agency, Inc.
State: MO

Complaint narrative:
I am disputing this alleged debt that is on my credit report. I have no knowledge of having a contract with this company. The credit bureau send dates but no signed copies of contracts or anything. Which is clearly not validation. In accordance with my rights under the Fair Debt Collection Practices Act I am hereby requesting that this collection agency provide formal validation of the alleged debt that they are reporting to the major credit reporting agencies on my behalf. In which I am not requesting a simple account summary.

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 2016-06-03 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: TekCollect Inc.
State: AZ

Complaint narrative:
I requested that the collections agency in question cease contacting me between the hours of XXXX and XXXX as I work during those hours, and it is disruptive to my work. 

I verbally requested this when I spoke with the company representative on XXXX/XXXX/2016. 

This morning, at XXXX I received another call from the company despite my request to cease contacting me during work hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Aldridge Pite, LLP
State: OR

Complaint narrative:
XXXX XXXX XXXX XXXX Is creditor, " not '' XXXX XXXX XXXX XXXX, XXXX doing business as XXXX XXXX. As of XXXX 2014, when XXXX XXXX XXXX SOLD THE LOAN to XXXX XXXX SERVICES called LOAN POOLS! XXXX POOLS WERE ACCUIRED BY XXXX XXXX XXXX XXXX " NO " LETTER OF TRANSFER " HAS BEEN RECEIVED FROM XXXX XXXX XXXX XXXX. 
AND FEDERAL LAW STATES THAT : " A LETTER OF TRANSFER IS A REQUIREMENT ". I DISPUTE AND DO NOT AGREE WITH ANYTHING!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
We got home phone service from XXXX XXXX XXXX XX/XX/XXXX. We immediately received automated telephone system calls every weekday and they want to speak to XXXX XXXX. These automated calls do not allow you to simply press a button and speak to someone. You have to write down their number and call them. We registered our home phone number on the do not call list on XX/XX/XXXX because of these calls. I filed a complaint with the FCC on XX/XX/XXXX. 

I notified the caller on these dates and times to stop calling and that we do not know XXXX XXXX, we are on the DNC list and we just received the new phone number. I begged them to stop calling. 

XX/XX/XXXX at XXXXXX/XX/XXXX at XX/XX/XXXXJust per review of the incoming call records from XX/XX/XXXX - XX/XX/XXXX and in that 18 days they called us 19 times, including 8 times ( every single weekday ) after the second notification on XX/XX/XXXX. 

They use several different telephone numbers, which they continually change so you can not block them, XXXX : //XXXX They also use different company names, e.g., XXXX XXXX XXXX , XXXX.XXXX PCHarris & Harris XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX. 
Harris and Harris of Illinois, Ltd. 

This morning their call right after XXXX woke up our child. Please make them stop harassing my family. Thank you!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: HIGHLANDS RESIDENTIAL MORTGAGE
State: TN

Complaint narrative:
I relocated to Tennessee this year and started construction on a new home which was and is my first home. After applying for FHA loans through a few lenders I decided to accept a mortgage with Highlands Mortgage. I was in constant communication with their staff via e-mail and phone. E-mail was the primary. Throughout the process we discussed rates and expectations. We settled on a closing date of Friday, XXXX XXXX and i requested that the final closing be given to me at least 3 business days before close as per the CFPB website. I was given various draft closing disclosures prior to the close that were inaccurate and was told not to worry as they were not final. The lender advised me constantly that these were preliminary and not final. I requested the final closing disclosure numerous times in writing before Friday, XXXX XXXX. On Thursday, XXXX XXXX I had extensive e-mail communications with the lender where i demanded the final figures and was told that they were still working on it. I had a real estate attorney prepared to review the disclosure to make sure that all was in order. The lender sent me the final closing disclosure at XXXX XXXX on Thursday, XXXX XXXX when the closing was at XXXX XXXX the next day. I had less than 12 hours with no sleep from packing to review and could not get them to a professional to review. My apartment was packed and I had to proceed after using the tools on the CFPB website to make sure that all was in order which it was not as after the close the lender and the closing agent called and e-mailed me to amend the documents a few weeks after the close. When i advised them that I needed time to review then changes they were proposing they threatened to pull back the loan on the house if I did not move quickly to execute the updated closing documents. I have all these communications and exchanges in writing since i would not take phone calls anymore due to the threats. Lastly my wife signed documents with me at the close although i 'm the only XXXX on the note. She was supposed to be quick claimed to the deed so that we are both on the deed. I have called the town twice to get a copy of the deed and I am the only XXXX on the deed. i have followed up with the lender and closing agent in writing three times and they will not respond nor take action to correct the deed as agreed upon

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AMERISAVE MORTGAGE CORPORATION
State: GA

Complaint narrative:
I have tried to pay off my mortgage with Amerisave Mortgage Corporation numerous times ( 3-4 ) and they keep charging me extra fees and will not close out the loan. Each time I have sent them a " pay-off '' payment they inform me that it did not arrive on time and charge me additional " handling '' fees. This is harassment and intentional. I have spent many hours on the phone with Amerisave trying to resolve this. I finally sent them a Certified Letter formally requesting that they close the account. None of my efforts have been able to close this account out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-08 00:00:00
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Cohn, Goldberg & Deutsch,LLC
State: MD

Complaint narrative:
Attempted to collect wrong amount Debt resulted from identity theft Did not receive notice of right to dispute Not enough information to verify debt i.e. amount of debt & name of creditor Did not disclose communication was an attempt to collect a 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 2016-01-25 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Harris & Harris, Ltd.
State: IN

Complaint narrative:
There are XXXX dates of service listed that are in collections. XXXX was paid by my insurance months ago. This was a bill from my doctor 's office. The second they are claiming is for the same date of service, and from the hospital. However, I was not seen at the hospital on that date ; therefore, the service is invalid. I confirmed with my doctor 's billing office that the actual date of service has been paid. I spoke with someone at the collection agency, and they informed me that despite what my doctor 's billing office is saying, this is a legitimate debt that I need to pay. I owe nothing.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Aargon Agency, Inc.
State: FL

Complaint narrative:
AARGON COLLECTION AG ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you AARGON COLLECTION AG or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : AARGON COLLECTION AG or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # *********** DOB XX/XX/XXXX ADDRESS XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/2017, my card was charged {$25.00} from XXXX and {$60.00} from XXXX. I did not approve or make these charges. After calling both XXXX and XXXX i realized someone was using my card to make these unauthorized purchases. I have an email from XXXX stating these charges were made on a different account with my card and were fraudulent. I also spoke with manager XXXX at XXXX who printed me out a statement to where the pizza had been deliver. It was not my address or name or number. I disputed these charges the same day with American express Serve. I was informed i had to call back because the charges were still pending. I called back that following Tuesday and put in my dispute. Less than 24 hours later i received an email from American Express saying, as per their investigation, the charges were authorized and they were permanently locking my account. I called and spoke with numerous supervisors and made them aware, as i had from the start, that i had an official email from XXXX stating the charges were fraudulent and XXXX would also say the same. On top of having been stole from, my bank did not investigate my claims or these fraudulent charges, basically telling me i was lying and closed my account which i have been in good standing with for over 2 years and my paycheck is deposited on. I was advise to fax the proof and a document to American Express. When i called to see if it was received they told me they could not do anything because the account is permanently locked. I just want my {$85.00} back and a apology for the lack of investigation and closing my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-08 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
They refuse to reply to all my disputed letters I sent to them, and refuse to fully remove the collection off my credit report. XXXX and XXXX has already gotten notification of removal but they have not removed it off my XXXX report and it is impacting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: TRANSWORLD SYSTEMS INC
State: WA

Complaint narrative:
SCAM!!! 
A friend and I received a call from a " debt collector '' at XXXX. It was a recording that gave a callback number to pay the " debt '' and a woman 's name. I felt responsible to report them to warn other people and hopefully stop anyone from calling and becoming victim to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland credit management is trying to collect on an unknown debt that is n't even showing up on my credit report, they have called me numerous times at work on my work cell and have also called my fiancee 's cell and her home phone and my XXXX Daughters Cell harassing all XXXX of us

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-09 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
American Express Open sent an offer for bonus points after spending a certain amount in 3 months. I was approved for the card and no mention was made that I was not eligible for the offer that was made. After spending the required amount on the card, American Express said that I was not eligible after all. Opened a complaint with them but they would not fix the problem. Their advertising is deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: ENCORE CAPITAL GROUP INC.
State: DE

Complaint narrative:
You previously offered {$75.00} to resolve the balance for the above-referenced account. In keeping with Midland Credit 's Consumer-First policy, Midland Credit is prepared to accept your offer. Please see Midland Credit 's comprehensive response letter, which is attached for additional information. THIS IS INFO I GOT FROM MIDLAND CREDIT YET HAVE ASKED THEM TO SEND ME IN MAIL SOMETHING STATING THATIF I PAY THE XXXX BUCKS IT WILL COME OFF XXXX XXXX CREDIT. NOTHING HAS EVER COME. WE PUT A CEIST AND DESIST ON THE ACCOUNT AND THEY STILL CONTINUE TO CALL AND HARASS US.

Company response to consumer: Closed with explanation