vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-24 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I used to have an american express corporate credit card ( AMEX CC ). 
I left that company and card was discontinued AMEX sent me a cheque of {$56.00} and I deposited it to my account.Now I received a bill from AMEX stating that I owe them $ XXXX.I called them once ( I forgot the date ) and they told me that I have deposited XXXX cheques of {$56.00} each and not XXXX.I reviewed my bank records and could not locate XXXX deposits.I told him that.But I continued to get the bill.So I called again on XXXX XXXX XXXX and discussed the issue with AMEX.The lady who was on the call told me that an inquiry will be opened and I would get a call back from AMEX stating the date of deposit and the cheque numbers and the bank account where those XXXX cheques were deposited. 
I never received that call and my account was sent to collection agency in the meantime. I received a letter from collection agency. I called AMEX and Collection agency at the same time on XXXX ( or XXXX ) of XXXX XXXX and put both of them on speaker phone so they could hear each other.XXXX from AMEX and XXXX from XXXX were on phone with me.XXXX told us that he would add a temporary debit of {$56.00} within 48 hours to my account to make the balance XXXX which will propagate to the system of collection agency.I called collection agency today ( XXXX XXXX XXXX ) and nothing has happened.I called AMEX and threatened them that I would report this to CPFB, XXXX, police.Then the person told me that the other cheque was deposited on XXXX XXXX XXXX ( which I was not told earlier ) and he would call me back in 2-4 hours with cheque number and the bank to which it was deposited.But no matter what this would affect my credit rating on top of the harassment I faced.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA

Complaint narrative:
My husband and I got a mortgage loan from beneficial mortgage XX/XX/XXXX. We bought a credit life insurance policy from Beneficial when we got the loan. My husband died XX/XX/XXXX. I have told beneficial repeatedly that he died and that I want to get the benefit of the credit life insurance policy but they just ignore me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called outside of 8am-9pm
Company: TRANSWORLD SYSTEMS INC
State: DE

Complaint narrative:
They call before XXXX XXXX and frequently during a day without leaving any messages. I asked several times to not call me but it did not work. 
They claim that they are debt collector but their information is wrong. When called back operator asked me for my personal information ; I hang up without disclosing anything. 
Their numer on caller ID is ( XXXX ) XXXX, and the displayed name is " Maryland ''. 
Automated voice does not pronounce company name clearly enough : " ... World system Incorporated ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
In XX/XX/XXXX I received a letter from American Express stating that my APR was going to be increased. I called in XXXX XXXX to object to this increase to 15.24 %. I spoke to a representative named XXXX at XXXX, who put me on hold to speak to his supervisor to discuss my objection. He came back to the line and told me he was happy to tell me that my APR rate would not change and would remain at its original APR which was 10.24 %. I documented the employee 's name, date and time of call, and he gave me a reference number which is XXXX. When I received my XX/XX/XXXX bill I saw that my APR had been increased although I was told it would not be increased. I called and I spoke to XXXX representatives, XXXX supervisors, and a manager. I spoke to XXXX on XXXX/XXXX/15 @ XXXX XXXX ; he passed me on to his supervisor XXXX. XXXX told me he could submit a request for my APR to be reduced and file a complaint, but that was all he could. I was very frustrated as I wasted my time talking to them. I called American Express back during normal business hours the following afternoon, hoping to get better results. I was disappointed. I spoke to XXXX this time and he told me he could not do anything for me, so I asked him if I could speak to his manager. He encouraged me to push the issue as far as I needed to in order to get what I needed. He then passed me to his supervisor named XXXX. XXXX said that all he could do was offer me the XXXX dollars to compensate me for the increased APR on the purchases I made. I then asked to speak to his supervisor and he gave me XXXX. She was based in XXXX XXXX, Florida. She told me the same this XXXX said and was very apologetic. I accepted her apology, but told her that I wanted her company to keep their word and keep reduce my APR back to 10.24 % since they told me it would not be increased. They each told me that they do not know why the representative told me my APR would stay the same because he does not have the authority to do so. I told each of them to listen to the recording of the phone call, because he left to speak to a manger during the call. I am upset by this ; I made purchases on my card believing my purchases would be at my 10.24 %. The American Express employees that I spoke to said the best they could do for me is give me XXXX dollars to cover the difference in the APR for the next few months. XXXX dollars does nothing for me ; I want them to keep their word and reduce my APR back to my original 10.24 %.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-09 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: GVA Holdings, LLC
State: CT

Complaint narrative:
Borrowed XXXX dollars from the lender in XXXX and from XXXX to XXXX I have been charged at this time what I borrowed should be paid back.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-23 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I stopped payment on a private student loan with XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, XXXX. On XXXX XXXX, I and my co-borrower were sued by XXXX XXXX XXXX for non-payment. In XXXX XXXX, the case was dismissed by the XXXX County Clerk Court XXXX for non-suit as they brought suit against statute of limitations. On XXXX XXXX, Transworld Systems Incorporated has only verbally contacted via my place of employment. It has been over thirty days, I have not received notice of debt from this particular collection agency. They have attached the XXXX XXXX XXXX XXXX XXXX to my credit report and state that I owe {$41000.00}. I am disputing this amount and also attaching documents to where the matter was dismissed in county court. I have offered to settle with XXXX XXXX but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: TRANSWORLD SYSTEMS INC
State: WA

Complaint narrative:
Background : This complaint is a follow-on to case number XXXX ( the " Original Case '' ) because I received an auto-generated response on that complaint that more information was needed, but the CFPB customer service at XXXX was unable to assist me on XXXX XXXX because the Original Case did not give consent for CFPB to release my personal contact information. Your phone representative asked me to resubmit the case with consent to publish my personal information, as I am now doing. 
* * * Complaint : XXXX processed a consolidation loan for me in XXXX XXXX, 2016, that repaid and consolidated XXXX prior direct loans : XXXX with XXXX and XXXX with University Accounting Service ( on behalf of my university ) ( " UAS '' ). In the repayment process, due to passage of time and intervening payments I made on my UAS loan during the consolidation process, XXXX ended up overpaying my UAS loan by {$520.00} ; UAS says they issued a refund in that exact overpayment amount to XXXX on XXXX XXXX, 2016, but XXXX claims not to have received the refund. Despite my requests to UAS via phone call ( in XXXX ) and the UAS website ( XXXX XXXX ), XXXX has not provided any proof that the refund was issued or further information about the refund so XXXX can research what happened. 

I have worked with UAS and XXXX to resolve the issue, but their customer service departments have been unable or unwilling to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: HI

Complaint narrative:
I have been repeatedly called by XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, MI XXXX ) and threatened with legal action regarding a debt. 

I have contacted the company several times and asked for the information regarding the debt. They claim that the debt is from " XXXX XXXX '' which was later acquired by HSBC. 

They claim that the account was opened on XXXX XXXX, 2009 and charged off in XXXX of 2009 with a balance of {$780.00}. They can not or will not answer what kind of account it was or what the charges to the account were. 

They have promised to send legal information to my address numerous times. I have verified my address with them and called to see when they are going to finally send the paperwork. 

It is obvious that they are a last-ditch debt collection agency and when I confront them about it they either hang up, become argumentative or use profanity and abusive language. 

Any requests for basic information, such as an address, are met with questions, lies and more profanity or abusive language.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
My American express XXXX for cash credit card got expired around XXXX 2015 and I updated my contact details accordingly in account. But still did n't receive my new card to perform transactions. On top of it still need to make payments. I keep calling them and almost called them 10 times to send my replacement card and requested to send tracking details. Neither they could deliver nor provided tracking number. But always asked me to call once notification email came from them. So I want to note a complaint and want necessary department take required action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Harris & Harris, Ltd.
State: MD

Complaint narrative:
Someone called me and said that i owe money for the state of Maryland, i called the state of Maryland office and asked then if i owe any money to the state, they asked for my personal information i gave everything to them and they said that i do n't owe anything to the state, now some debit collector company reported me. 
I never got a letter from them just a calls. 
I checked my credit score today and because of them my credit dropped a lot.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Impersonated an attorney or official
Company: NAM National Arbitration and Mediation
State: KS

Complaint narrative:
A man named XXXX said that he was a legal courier for XXXX and XXXX XXXX and he was going to attempt to deliver legal papers to my door and place of employment he left me a number to call to stop this effort XXXX when I called that number I spoke to a man name was undisclosed he had the last XXXX of my social security number he did not read me the mini Miranda when I asked him if the call was recorded he said we do not record our calls mop also informed me that I am not being sued and his company 's name is ADR processing I told him that I will not be paying this debt because I have not had any contact via mail and to many scam agencies out there

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TekCollect Inc.
State: FL

Complaint narrative:
This was for a safe box at bank. This amount was for the keys that I did return back.they are saying I did not return keys, which is false

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Aargon Agency, Inc.
State: CA

Complaint narrative:
I receive calls for a XXXX XXXX or XXXX XXXX on phone number I have had since 1970 's. I do not know and have never known anybody by this name. I have contacted XXXX of the debt collectors and requested they remove me from their contact list. This works for a few months, then they are calling again. No notifications come to my address from these collectors, nor does this appear to be identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-04-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Finance of America Mortgage LLC
State: PA

Complaint narrative:
My boyfriend and I applied for a mortgage pre-approval with XXXX from Finance of America Mortgage LLC on XXXX XXXX, 2016. After speaking with XXXX, he said we were good to go and we put an offer on the house ( XXXX XXXX XXXX ). They accepted our offer and we sent them a check for the deposit of {$1000.00}. On XX/XX/XXXX, I received an email saying we had to place a stop payment on the check, which I did. We had to resign our Agreement on XX/XX/XXXX and send out a different check. Once this was completed, we ordered our home inspection. Post inspection, the purchase price was dropped based on outcome and we went through the negotiations. We then received a settlement date of XXXX XXXX, 2016. Everything was going great and smooth. The appraisal was ordered and we were told we were good to go. On XXXX XXXX, 2016 we received a call from XXXX telling us that the loan was not going to go through due to XXXX 's employment history not being long enough. We had disclosed this information at the beginning of the pre approval process and had inquired if this was going to be an issue. It had been explained to us that this was not going to pose any problems later in the process. All of the information regarding issues with our loan was not brought to our attention until a week before our scheduled settlement date and after we had paid {$1200.00} for various fees involved ( ie. appraisal and inspection ). We feel that had it not been for a lack of proper communication on XXXX 's part that this financial loss could have been avoided all together. I have requested my appraisal fee back from Finance of America Mortgage. We were not properly notified that this mortgage was not going to be approved and feel as though all fees involved are due to be paid in full back 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 2017-03-06 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Netspend Corporation
State: GA

Complaint narrative:
On XX/XX/XXXX I purchase a prepaid Visa NetSpend credit card at the corner Check Cashers close to my home after arriving back home I attempted to activate their credit card where I was placed on hold a number of times after 45 minutes a representative informed me that my card can not be activated due to a past due delinquent account with the same company " net spend '' which they indicate {$1000.00} purchase at XXXX in XX/XX/2016 I have never had a card with this company not credit nor prepaid '' and I do n't understand how you can have a balance on a prepaid card also listed under their terms and conditions you must have a direct deposit set up on ur account '' to even be allowed to overdraft I 've. I 've never had the direct deposit anywhere ever '' paid in cash. I literally stayed on the phone with these people for two full days being placed on hold being hung up on twice being rerouted to other operators itwhomwas unfamiliar with the situation '' I demanded the release my money and activate the card however that did n't happen they just took my money {$180.00} and they 're only concern was to convince me to pay the remainder of the XXXX they said I owed they could not disclose to me the location or phone number or any contact information of this XXXX where they indicate I may day {$1000.00} purchase '' I do not owe this company I 've never had an account with this company. I have never had a direct deposit with any company '' they 're just trying to shut me out of my money also upon investigating on the internet n read how they are currently involved in a class a lawsuit filed back in XX/XX/2016 for basically the same scenarios stealing money from card purchasers the company reacted to me in a manner as if I was a thief and they were a victim when I was the victim all I know is this has been a nightmare I simply just need my money back that they took for no reason please help thank you for your time and consideration

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Debt collection — Federal student loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Ceannate
State: CO

Complaint narrative:
FMS student loan collections : I have been threatened over the phone, they have used intimidation tactics, I have had an agent threaten that I will have my wages garnished. I have had multiple agents disclose the exact quotes, after telling them my name is XXXX, they have screamed at me over the phone stating " you need to confirm your name is XXXX, and your last four of your social is XXXX '' Also One time I told them I had no problem updating my mailing address but I dont want harassing letters sent to me in the mail. And the first thing they do is send me multiple debt collection letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Aargon Agency, Inc.
State: VA

Complaint narrative:
repeated unwanted phone calls

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-01-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AMA Advisors, LLC.
State: FL

Complaint narrative:
I started a home mortgage through Homebridge Financial Services XXXX XXXX XXXX XXXX GA XXXX. They are extremely difficult to make payments through their automated phone payment system unless I set up an automatic draft which I don not prefer. I prefer one time ACH drafts as I need to control the date of payment each month as I need to insure funds are available. 
Their system makes it so difficult I had to wait through extremely long and irrelevent bot messages just to get to the phone payment. Then each and every month it looks like I need to re enter my checking account info as their system will not save the info. Other mortgage agenceis can and will do that service. But that 's not the worst of the experience yet. They also require you to enter the payment amount in dollars and cents from your phone keypad even though they now what you need to pay. I had so much trouble with this ( on my second time ever doing it ) that I ended up entering a payment of only {$12.00} when I really owed around {$1100.00} I didnt even get to figure out how Im supposed to do the decimal point on my phone keypad by the time I realized I started a whole other issue now with an XXXX payment. So then I hung up had to do it all over again and waited 20 mins before I could talk to a rep whose best case scenario was to delete my {$12.00} payment and was told I had to wait till tomorrow as the system will only allow XXXX pending transaction at a time. This is a terrible system I feel is designed to create difficulty in order to ensnare the consumer in fees and interest traps. Their phone number is XXXX try it you 'll see its not right. I would also like to add that I started this loan with Homebridge ( and I wont even get into that ) but after my first payment they switched me to XXXX ( who in comparison was exemplary ) They saved my info after the first time and I would call and be done with the process in 5 or so minutes doing one time ACH drafts from my checking account ( also due to less irrelevant bot messages ). Then for some reason I dont know they switched us back from XXXX to Homebridge just a couple months ago. Thanks for taking the time to read my experience with Homebridge Financial Services and I hope it helps them make changes to their system.

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 2016-02-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Cohn, Goldberg & Deutsch,LLC
State: MD

Complaint narrative:
I took out XXXX personal loans on XXXX separate occasions from XXXX XXXX XXXX : ( 1 ) {$2000.00} and ( 2 ) {$6000.00}. I have already paid over {$14000.00} for both. I stopped paying for the last loan since I was told I had paid it off, but still owed {$4600.00}. The law firm to whom my outstanding debt was sent, Cohn, Goldberg & Deutsch said they may sue me for an additional {$4600.00}. Can you help with this excessive usury? Thank you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation