vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-23 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
XXXX XXXX XXXX hereinafter referred to as XXXX ' ) offers the Membership Rewards program, a loyalty program that allows customers to earn points. XXXX allows customers to transfer their points to various airline and hotel loyalty programs at a XXXX ratio. 

I reviewed my account and saw I have XXXX available points. Based upon the points being listed as available, I began to make tentative travel arrangements and other plans. 

On or about XXXX XXXX, 2016, I submitted an online request on XXXX website to transfer a portion of my points to my XXXX XXXX XXXX account, but I received an error message and a prompt to call customer service to complete the transfer. 

Accordingly, I called XXXX and and was informed for the very first time that my points were actually not available for use. This is in direct contradiction of the points being listed as available on XXXX website. I was told that I could not use or transfer any of my points for 6 to 8 weeks. 

I feel this time is extremely unreasonable and destroys my opportunity to travel during the summer. Prior to attempting to use my points, I was not notified that my points would not be available for use. Further, XXXX continues to extend time-sensitive targeted offers to me to encourage the use of the points, thus reinforcing my belief that they are available. I just paid a {$450.00} annual fee for the card and the service I 've received is unsatisfactory. 

I am seeking the immediate availability of my XXXX Membership Rewards points to use for transferring to an airline partner on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have recently received a letter from XXXX XXXX credit card stating that they will be dissolving their relationship with XXXX ( I currently hold the AMEX XXXX credit card ). They informed me that the account will automatically be converted to a XXXX XXXX XXXX. I called AMEX and asked that they " do not '' transfer any of my personal data or information to another financial entity ( XXXX in particular ). After speaking with various people at AMEX ( including supervisor XXXX ), they informed me that the only way to stop the automatic transfer and the opening of the new account was for me to cancel my AMEX card before XXXX XXXX, 2016. I explained to them that by " me '' cancelling my card, this would effect my credit report negatively. And as this action, the dissolving of the relationship between AMEX and XXXX, is not of my personal doing, this should not effect me negatively. I asked AMEX to take the action from their side, and close accounts that do not want any transfer of data/information, and they said this was not possible. This situation is quite unbelievable to me, especially in this era of information confidentiality. The consumer is being forced to accept these conditions unilaterally, one would always expect " opt out '' clauses in these situations. Please do all you can to stop this unacceptable practice. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Knight & Hooper, PLLC
State: TN

Complaint narrative:
This debt is not mine. Someone opened a charge account with XXXX over eight years ago in my name and this company has placed a lien on my property. The owner is XXXX XXXX XXXX. I have contacted them and the person to talk to is XXXX XXXX. Her number is XXXX. The total of the debt is {$4500.00}. She is with XXXX and XXXX. They are managing the debt. I will be closing on my home in 30 days and need this removed and the lien taken off immediately. Also, I need it removed from XXXX and XXXX. I have offer them {$2500.00} at closing if they would agree but I really feel that they should just absolve the debt completely. I want you to contact her so you and her can figure out a solution immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Client Services, Inc.
State: IL

Complaint narrative:
It appears that Client Services Inc. has purchased from XXXX ( XXXX ) an account. I am in receipt of a letter from XXXX, corporate council, of XXXX. The letter, via CFPB portal, states that my phone number was wrongly used. XXXX states that my phone number would not be called in the future. 

Obviously, XXXX could make that statement knowing the " account '' would be sold to another company, Client Services Inc. ( CSI ). CSI has called, but has not left a message, and has not identified themselves on caller-id, but instead uses the ID of " Toll Free Call ''. 

I demand to know why CSI is calling my telephone number. I want the unlawful contact to stop. I want my number to be removed from the account file, so when CSI sells the account, my phone number is not part of the account, file, or whatever term the " debt servicers '' call it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: LTD Financial Services, L.P.
State: NY

Complaint narrative:
I 've never made business with LTD Financial Services and do not know what they want.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
THERE ARE XXXX JUDGMENTS APPEARING ON MY PROPERTY XXXX XXXX XXXX XXXX XXXX, New York XXXX Midland has XXXX judgments for the same amount on the property I was informed that these judgments were actually cancelled against my client but are still appearing on the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: TRANSWORLD SYSTEMS INC
State: MA

Complaint narrative:
A " letter from XXXX named me as a merchant but I have never been nor have accepted payment to me by credit card as a XXXX ( retired XX/XX/XXXX ). They sent the letter to my legal residence rather than what our Town 's US Post Office requires us to use. Their Security Dept. I told me in early XX/XX/XXXX that the account " had never been opened '' because " it did n't look right '' & that no transactions occurred, but they sent a Statement or the XXXX reporting {$4400.00} in transactions ( including {$98.00} fees ) alleging deposit of {$4300.00} to my bank ( which my bank never received ), despite the phone assurance, then sent a XXXX form ( contradicting their phone statement & continued to send " Statements '' ( using the corrected address I had provided ) until XXXX XXXX in XXXX XXXX Office contacted them. They called to assure me that they knew that the account was fraudulent but refused to provide evidence of how it was opened or where alleged bank deposits were sent. Despite this assurance, I just received a collection notice from Transworld Systems Inc. for {$4700.00} ( for " XXXX '' ) which I immediately disputed with XXXX XXXX by phone. XXXX XXXX offers self-opposing facts, untruthful information & no useful service.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 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: VA

Complaint narrative:
Aargon Collections ( XXXX ) calls my work line ( XXXX ) on a daily basis. They ask for someone who is n't mean and I do n't know. I have used the automated system to say it 's not me. I have told numerous live operators it 's not me. Yet they still call. I talked to them again Friday and warned them I 'd file a complaint if they called again. They too promised I 'd be taken off the list, and yet I got another call today.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-10-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: AMA Advisors, LLC.
State: CA

Complaint narrative:
We just finished doing a refi to remove PMI off our mortgage with no cash out and now we are paying more on the back end while they only eliminated XXXX of the {$600.00} PMI monthly. Today, not even making the first payment for another week, they send me a flyer in the mail on how I can eliminate the entire PMI as part of the new program they have.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called outside of 8am-9pm
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
Called me at XXXX. I have the record on my phone. I am taking my daughter to school at that time. You are not allowed to talk on cellphone and drive in the State of Texas.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Asset Management Outsourcing, Inc.
State: FL

Complaint narrative:
I have asked Nationwide Recovery to validate a collection they are reporting on my credit reports on XXXX/XXXX/15 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: AMA Advisors, LLC.
State: VA

Complaint narrative:
HomeBridge Financial Services reported a negative account to my credit file, which means Bankruptcies, liens, garnishments and other judgments. This significantly dragged my credit score down and would stay on my credit file for at least XXXX years. Because of this, I failed my application to buy my dream house. This was totally inaccurate and unprofessional. I 'd like to provide all the correct information below. 
**** HomeBridge Financial Services started my mortgage loan on XX/XX/2016. I paid {$4400.00} in XX/XX/XXXX to cover the period from XX/XX/XXXX to XX/XX/2016 by check. The monthly payment was {$2000.00}. I set up a monthly ACH drafting in XX/XX/XXXX, and I received a confirmation letter that shows the ACH drafting autopay has been effective on XX/XX/2016. Then HomeBridge auto charged the amount of {$2200.00} on XX/XX/2016 from my bank account. 
On XX/XX/2016, I received the letter to notify me that HomeBridge has sold my loan to XXXX XXXX, and it would be effective XX/XX/2016, which means the payment I just paid on XX/XX/XXXX was the last payment to HomeBridge. In the meantime, I received a bill from XXXX on XX/XX/2016 to ask for {$2200.00}. I sent the check to XXXX as well, which ended up with I paid {$2200.00} twice in XXXX. Other than that, I never stop the autopay with HomeBridge, so if there 's a bill there, they would auto charge my money from my autopay account. All these above just shows that I always take my responsibilities, and never paid my bill late. 
However, HomeBridge reported me a negative account on XX/XX/2016. On that day, the new loan mortgage XXXX already collected XXXX months payments from me. How would they report me a negative account?! I have kept all the transactions in record, monthly payments from my bank account in pdf file, the auto pay confirmation letter form HomeBridge, and the letter when they sold my loan to XXXX. 
I was applying for buying another house, but the negative account reported by HomeBridge horribly affected my application. I really like that house, but I can not get my loan application approved since the negative account. So I lost it. 
I contacted HomeBridge Financial Services office several times at XXXX, and left many voice mails, but I got no response from them. 
I 'd like to provide all the documents I have kept. And I need HomeBridge to give me a solution how they pay my damage caused by them due to their errors.

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 2015-07-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AMERISAVE MORTGAGE CORPORATION
State: VA

Complaint narrative:
Mortgage servicing company is trying to trick me out to assess NSF fee inspite of receving the mortgage payment for the month. There were XXXX mortgage payments made in the month of XXXX 2015 my mistake in e-bill payment. Mortage company was notified about issue immediately about it. Customer service rep at Mortgage company informed me that XXXX payment will not be cleared and not to worry. But after a week Mortgage company sent me letter with NSF fee. I have contacted that mortgage payment was already paid for the Month of XXXX 2015 asked to remove the NSF fee. But Mortgage company is is not removing the NSF fee. I would like CFPB to help me in removing NSF fee and alert consumers of the unfair trade practice of the Mortgage Servicer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AMA Advisors, LLC.
State: AZ

Complaint narrative:
My mortgage lender keep bouncing me from one servicer to another. I had to switch 4 times in less than 14 months. Every time there is a switch, had to signup with new servicer for auto debit processing. Also, during most recent switch, I got double charged for the same month ( XXXX ). Got an email saying that it happened in an error. Looks like there is no clear regulation on these kind of activities. Worst of all these things, customer service is no where to find.

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 2016-07-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Aargon Agency, Inc.
State: FL

Complaint narrative:
I received notification XXXX XXXX, 2016 of a collection account with this firm. I filed a complaint because I have never heard of this firm, or the debt listed on my credit report, I was never notified of the debt in writing. On XXXX XXXX, 2016 XXXX from the compliance department called and said they had the wrong address. He agreed to remove the debt from my credit report within 24 hours if I paid. Even though the debt was never verified, I agreed to pay the sum of {$300.00}, and paid with a credit card since the reporting of this collection account has a catastrophic impact on my credit ranking and banking relationships. Within 24 hours the account was removed from XXXX. However, the account was added to XXXX on XXXX/XXXX/16. Voicemails to XXXX at XXXX XXXX XXXX have not been returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CA

Complaint narrative:
It 's the worse experience I 've ever had with a lender. I 've done at least XXXX real estate transactions and have never been treated so shabbily. They took forever to assign my loan, would not answer emails after I submitted the application and they took my {$500.00} to do an appraisal. When I tried to lodge a complaint with a manager " XXXX '' would n't give his last name and basically told me to suck it up. I completed my paperwork within XXXX days because I wanted the process to happen on time and by their deadline. It did n't matter. I guess I should 've paid more attention when my loan processor kept saying even if it does n't close on time you wo n't be liable for fees. I believe they knew they were overwhelmed with business but were deceptive in failing to inform me that the process would take longer than the XXXX days stipulated in the loan. I would never choose this company again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AMA Advisors, LLC.
State: TN

Complaint narrative:
We had our mortgage through XXXX XXXX, but on XXXX XXXX XXXX they sold our account to Homebridge Financial. XXXX, before selling the account, paid their portion of the taxes due to our county property taxes, and forwarded the remaining bill to Homebridge. Homebridge was due to pay the remainder by XXXX XXXX XXXX, they did not pay. We are military and live XXXX states away and received notification from our county XXXX XXXX XXXX that the taxes have not been paid. We immediately contacted XXXX, and I was advised by the agent to fax over the delinquent notice, and they will contact and make payment arrangements with the tax commissioner office within 3 days. On XXXX XXXX they had not yet done so and I was informed by tax commissioner office that Lien would be placed the following day XXXX XXXX XXXX. Homebridge continues to say they are trying to verify parcel numbers and verify amounts. I provided to them a direct number to tax commissioners office. I also called tax commissioner office and verified that homebridge has not contacted them and no arrangements have been made along with any payment.

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 2016-02-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Finance of America Mortgage LLC
State: OH

Complaint narrative:
I negotiated the purchase of a new home for {$430000.00}. I submitted the original purchase contract, stating a purchase price of {$370000.00}, as well as all amendments to my lender as requested with the final agreed upon purchase price of {$430000.00}. The appraisal was ordered on XXXX XXXX, 2016 and performed on XXXX XXXX, 2016. On XXXX XXXX, 2016 I received the appraisal directly from the vendor electronically referencing a Contract Price of {$370000.00} and an appraised value of {$410000.00}. Unfortunately for me, the Contract Price was actually {$430000.00}. The appraisal even stated that the property appeared to be selling at a discount due to 'pressure to sell '. The appraiser used XXXX relocation properties and XXXX foreclosure for comparable. The appraiser appeared to be 'trying ' to get the appraised value lower and closer to the Contract Price based on several factors. 
I informed my lender at the time of the error and they contacted the appraisal vendor. I did not hear anything for a few days and eventually received a 'corrected ' appraisal reflecting the correct Contract Price of {$430000.00} but still stating an appraised value of {$410000.00}. The 'corrected ' appraisal also detailed in the addendum that they WERE NOT provided the amendments to the original contract price until XXXX XXXX, 2016 and that was the reason the {$430000.00} Contract Price was not utilized for the appraisal. As well, it was noted that the appraised value could not be changed. 
The lender was negligent by not performing the industry standard expectation of presenting the appraiser with ALL of the contract paperwork including all contract amendments. Ultimately, this appraisal could not be used for the purchase of my home due to the negligence of the lender.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-30 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My credit report showed a tradeline for " Citifinancial Mortgage ''. 
I also received a IRS tax form with the same mortgage name/info on it. 
I never had a mortgage with this company. 
I contacted them and was told that the account number I was reading them did not exist and it was not even the format of their account numbers and therefore could not be theirs. 
The rep on the phone refused to help. 
I sent a letter along with copies of my credit report and the tax form to the address on the tax form. 
I did not receive a response. 
I also sent a letter to a local law firm I was told are lawyers for Citifinancial, XXXX. 
They also ignored me. 
The questions below such as the ones below, " which part of process '' etc. do not have proper answers because they do n't have options for accounts that are mistakes/result of ID theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HOVG, LLC
State: HI

Complaint narrative:
several communication with collector as insurance has paid all charges.. do not understand while now they have split the debt amount into XXXX different amount ( both total entire amount originally in question )

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation