vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-06 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
XXXX is reporting a dispute that I had already resolved and had taken off of my account in XX/XX/XXXX with Home Depot. 
I do n't know why this is appearing. I am in the process of applying for a mortgage and this needs to be removed as I can not have any open disputes with y mortgage application. 
This Home Depot card has been paid in full and has not been disputed. I do n't know why it has shown up on my report. Please help. thank you.

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 2016-10-29 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Approximately six months ago, citi requested that I change the email on my credit card accounts. I asked them to make sure that the email got changed correctly on all of my citi accounts and they assured me it would be. This was important because I only receive email statements and not mailed statements. However, citi failed to change the email on one of my accounts. After that, I no longer received email statements for that account and the account no longer showed up on my online account. Because I was not receiving statements and it did n't appear on my online account, I was unaware that an annual fee had hit and I owed money. After I missed a payment, citi began calling me. I returned their call and asked them to go through each of my accounts with me and ensure they were all fully paid and in good standing. We spent approximately fourty-five minutes on the phone and went through each of the accounts they had on record for me. They assured me all of my accounts were in good standing. However, I continued to receive calls from Citi. When I picked up the phone, they said I had an account past due. This was despite the fact that I had just called citi and they had assured me all my accounts were in good standing. Apparently, even Citi had failed to locate this account. Because this account was over thirty days past due, Citi reported the late payment to the credit bureaus. However, the late payment was due solely to Citi 's forcing me to change my email address ( thereby making me reset my online account ), Citi 's failure to change the email on this account despite assuring me they had, and their failure to locate my account when I called specifically to ask about it. Months ago, we spent hours on the phone witht them trying to get online account access straightened out, and Citi was unable to get this straightened out, resulting in this late payment that due to their poor systems, even they did n't know was owed.

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 2016-10-03 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
Macys/Dsnb, XXXX XXXX XXXX, XXXX, OH XXXX is reporting my account as a charge off, however, I paid the account in full. Macy 's credit card stopped sending me invoices. I continued to mail checks to Macy 's but they never credited the checks to my account. I was told they did n't receive them. I sent them to the address that is on their web-site. I also verified the address once told that Macy 's was not receiving the payments. I want the negative information reported by Macy 's to be removed from my credit report. I filed a dispute, but Macy 's refused to remove the negative information.

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 2015-06-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Summit Collection Services, Inc.
State: WA

Complaint narrative:
The collection agency explicitly told me that if I paid on time and paid the monthly amount they wanted that I could avoid having a negative mark put onto my credit report. 

After paying them on time, and paying the amounts they requested, they then reported the collection AFTER I had finished paying them off. To be clear - They held off on reporting the collections debt until I had finished paying them off in full WITH interest as well! 

In addition to that, the last written email contact I had with them when requesting an exact amount to pay off had them reply back with " about {$110.00} ''. They did not give an exact amount. On my last payment I paid {$120.00}, just to be safe. I never received any confirmation that the debt was paid off nor have I received any money owed back ( if we stick with the assumption that I owed {$110.00} and some change, then they owe me at least {$4.00} and some change )! 

The only way that I know the debt was paid off was by the collection remark on my credit report showing a {$0.00} balance on the collection amount and it being marked as paid.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: AMA Advisors, LLC.
State: TX

Complaint narrative:
We applied for a VA mortgage loan with Homebridge Financial Services. We were assured numerous times by our representative with Homebridge that we would be able to do a loan modification on our VA loan after closing since we would be making a substantial payment soon after closing. However, we are now being told that such loan modifications are not available on VA loans. We have a larger payment that we expected to have because of this mis-information and we will have to pay thousands of dollars to refinance the loan to reduce that payments as planned.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
Have no idea what this debt is for, never heard from this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-05-21 00:00:00
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Ceannate
State: WA

Complaint narrative:
I have been trying in earnest for over a year to set up a repayment plan I can afford for my student loan. I was finally put in touch with FMS to set up what they call a loan rehab agreement. FMS requires extensive documentation to make these arrangements ; I understand this need, and I do not have a problem with that requirement. However, I have now supplied every document they have asked for four times over a two month period. I have supplied the correct documents with the correct data ; they have acknowledged that I am eligible for the program ; I have begin making payments to them over two months ago, but they continue to contact me requesting the same documents over and over. And although I have been and continue to make payments to them, they continue to call and email me asking for the same documentation and telling me I am still not " officially '' rehabbing my loan even thought they are collecting payments every month. Today I sent them yet again every document they have asked for. I wonder if they are losing my documentation which contains highly sensitive personal information, and I wonder if they just continue to stretch this out to increase their fees. 
Why would the Federal Government enlist such an incompetent or unscrupulous company to act on their behalf?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03 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: IN

Complaint narrative:
Got a phone call from XXXX No listing on Caller iD as to name I looked the number up online and It belongs to Aargon Agency. I do not have bills past due. or any reason for a debt agency to call me. It was a robo call, for me to call a number about this debt. Call was XXXX XXXX/XXXX/2016

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2015-10-18 00:00:00
Product: Debt collection — Federal student loan
Issue: Communication tactics — Threatened to take legal action
Company: Ceannate
State: IL

Complaint narrative:
While the person 's voice did not seem threatening, when I called to offer a payment agreement the person on the other end said he could not accept the {$50.00} per month I offered because there were government regulations. He did of course mention I could be subject to wage garnishment or a lawsuit. He said he could not work with me filling out a form. He said he would have a supervisor contact me, but I have still not received a call. I get the feeling of doom they are not working with me. I want someone to know even though I am contesting this debt I am trying to set up an agreement before I am threatened with a lawsuit or garnishment. I agree to pay XXXX per month. It is what I can afford. Please get someone to work with me. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Harris & Harris, Ltd.
State: IN

Complaint narrative:
CALLED ME ON CELL 7 TIMES, MY SISTER 2 TIMES AND MY MOTHER 11 TIMES. 

WENT ON CREDIT REPORTS. WITHOUT APPROVAL HARASSMENT AT ITS BEST AND ILLEGAL!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CO

Complaint narrative:
I applied for a mortgage on XXXX XXXX 2016 With Amerisave Mortgage Corporation. I received an offer and a lock agreement for a {$180000.00} 15 years loan at 2.75 % .+ points discount. During the next 2 months after many emails and phone calls and many document transfers, I was informed that if I did not agree to a new interest rate and 20 years mortgage our loan would be terminated. Well I needed the refi to pay off some bills and for the down payment on my daughters town home. I was between a rock and a hard place as if I started a new application elsewhere it would take another 2 months and she would lose the earnest money and the town home. I had to take the new rate at XXXX and no reduction in the points for the loan. Not only was I taken advantage of by Amerisave Mortgage, if after all is said and done they also XXXX with the points charges. I believe that I am not the only person preyed upon by Amerisave Mortgage as a lot of their reviews on the internet paint them in a very negative light.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA
State: IL

Complaint narrative:
Since XX/XX/2016, I have been in constant contact with my servicer Fedloan regarding my Direct Loan / Public Service Loan Forgiveness Program case. My case has been reviewed a few times by them. Sadly, it appears every time they have a " systems update '' like this past weekend ( XXXX 2016 ) on the online system they use to track my payments towards loan forgiveness ; the updates create a glitch that causes number of payments and /or dates of when the forgiveness will occur to go haywire. At times, the payments and dates do n't match the letters they send me indicating the number of payments left and date of forgiveness based on the tracking form I send every year. A perfect example, overnight this weekend after their " update '' the tracker increased my payments by one month. When I call they are very helpful. And for a few days I will see changes in my account. But it 's has gotten to the point where I am needing to call them 2-3 times per month and each time a " review '' is created. I wanted to file this complaint as it appears to be the only avenue I have. The last time I called, 2 weeks ago, the representative told me there was info on my account about me living in XXXX County, Florida. I have never lived there! She said she would send the problem for a review. It seems the reps can never fix anything on their own or transfer you to someone that can. It is an easy company to work with and the problems just started this year after a XX/XX/XXXX " systems update ''. Either this company needs help or I do!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Hollis Cobb Associates
State: GA

Complaint narrative:
they continue to call and harass me about a debt that is not mine. I have repeatedly informed them that they have the wrong person but they will not stop calling me.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My soon to be X husband has moved to XXXX XXXX XXXX in XXXX Il XXXX, HIS name is XXXX XXXX XXXX XXXX DOB ... XX/XX/XXXX. Please remove any of his information from my household. I have never lived in XXXX nor will I ever. 

I have lived at my current address for 45 years and will continue to live at XXXX XXXX XXXX ( is my current name until divorce ) ( then it will XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Illinois XXXX DOB XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-12 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Used obscene/profane/abusive language
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
IN SPEAKING WITH XXXX XXXX AT XXXX., I ADVISED HER TO REMOVE MY WORK NUMBER FROM THEIR LIST. AFTER SPEAKING WITH HER FOR A FEW MOMENTS SHE THEN TOLD ME SHE WOULDNT REMOVE MY WORK NUMBER AND HUNG UP ON ME. ANOTHER EMPLOYEE NAMED XXXX SAID A SUPERVISOR WOULD CALL ME BACK TO ADDRESS THE SITUATION, SHE COULDNT HELP ME. THEY WERE VERY UNPROFFESSIONAL, EVEN YELLING AT ME, " TO PAY MY BILLS ''. WOULD NOT LET ME SPEAK, SHE GOT LOUD WITH ME TO DROWN OUT WHAT I WAS TRYING TO TELL HER. THIS DEBT IS FROM 2000. IS IT STILL LEGAL TO COME AFTER ME IN THIS MANNER?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express has charged me an annual fee for a XXXX. I had notified the company that I do not want the card if there is going to be an annual fee. American Express charged after assuring me of no Annual fee and without any notice. I did not notice the charges right away because my account is on Auto Pay and American Express never notified me in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 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: CA

Complaint narrative:
The College I attended XXXX XXXX XXXX XXXX was shut down while still enrolled. I was not able to complete my program, but I still have to pay this private loan through UAS.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
To. Consumer Financial Protection Bureau Greetings, I was XXXX from the Military because of XXXX and after a few years of struggle and hardship I could'nt afford to pay all my debt so I decided to enroll in the debt Settlement program. XXXX of my Debt is XXXX an unsecured Debt, which I owed a total of almost XXXX the debt settlement company the XXXX informed me that they already settled the Debt through Midland Credit Management account # ending ( XXXX XXXX in the amount of XXXX check # XXXX paid on XX/XX/2016 and they deducted to my trust fund at XXXX. now the Issues are the Midland Funding LLC is continued reporting to the credit bureau that my account is still open and they continued demanding that I owe money to this collection company Midland Funding LLC I hope the Bureau can Help me to solve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I did not receive the debt verification they say they did send. I was offered a settlement on a unverified debt. I feel harassed by these people.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-19 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Called outside of 8am-9pm
Company: Smoky Management, LLC
State: TN

Complaint narrative:
I have a payday loan at Cash Now Advance in XXXX, TN. My account went delinquent a couple of months ago when i was in the middle of switching jobs. The branch manager, XXXX, had started sending me personal messages through XXXX regarding my debt, and they called my job after being told not to. After I unfriended XXXX on XXXX, she became very upset with me and sent me XXXX very nasty threating messages. To take further action, I contacted her District Manager, XXXX. to see if we could get this problem resolved. After talking to XXXX and telling her everything that had happened, she told me not to worry she would handle it all and agreed to set me up on a payment plan telling me that if i could not make the payment just call them and they would work with me. Several days had past and I had recieved a text message to my personal phone from XXXX personal phone asking me when I would be in the store with a payment. I received XXXX text message a day for a few days from XXXX, and I had not responded, Finally, i received a text message from XXXX at XXXX, telling me that she needed a payment on my account ASAP ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I applied for a loan with HSBC Bank. The bank began processing the loan on XXXX XXXX, XXXX. In XXXX, an appraisal was conducted and because I was requesting a coop refinance, the coop questionnaire was completed by the coop in XXXX which delineates all the circumstances of the coop. XXXX XXXX I was issued a commitment. However, XXXX XXXX, XXXX HSBC rescinded the commitment stating the loan was declined because of the coop flip taxes. My complaint with the bank is the length of time it took the mortgage to process, almost 5 ( five ) months. But more importantly, the bank had the information in XXXX XXXX regarding the coop flip taxes as well as other essential information regarding the coop. If HSBC felt the coop did not qualify for the loan. I SHOULD HAVE BEEN DECLIENED IN XXXX OF XXXX not 3 months after the COMMITMENT was issued!!!! In that time the interest rates have increased as well as I could have went to another bank that would have accepted my coop flip taxes. I feel HSBC was egregious and grossly negligent in the time it took to process the mortgage, and I am angry that a commitment was issued and HSBC will not honor it!!! HSBC did not handle my loan professionally and I feel HSBC is a large bank and they do not care about the average consumer. I hope there is some recourse federally. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I was informed my bonus check from work would be late. I immediately called American Express and asked what my options were as I wanted to do my due diligence having been a client of there 's for 11.5 years with excellent credit history. They informed me to make certain payments by certain days and they scheduled these withdrawals from my bank account. The account was paid in full and satisfied with their procedure. They turned me over to the credit bureau for being 30 days late after I did what we agreed upon to stay in good standing. This is not fair, they lied and I would like the 30 day late fee removed immediately as it is harming my credit score and I 'm trying to get a mortgage. I have the conversation on their recorded line and all statements documenting all payments made in a timely order as we agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
This complaint is regarding the poor reward system for American Express and the terrible structure/policy that their company goes by. As a credit card consumer who have had at least XXXX credit cards from various different companies, American Express has been hands down the worst company I have ever dealt with. Even though you have met your spending requirement, they require you to pay off the balance and then wait for the next month 's closing date. Your points remain in pending status well over XXXX days during this process, even when you have fulfilled their requirement in paying off the balance and waiting for the next closing date, points are still unavailable. I have never had any credit cards where it takes 60+ days just to receive your points or miles even though you have fulfilled all the requirements. American Express is literally the WORST credit card company ever and I have nothing but bad things to rave about them. I will never recommend them to friends and family and will sure discontinue the relationship once one full year is near. Until they fix their reward system policies, I will never use them as a credit card company ever again. The inconvenience and lack of flexability in their reward system will never earn the business of experienced credit card consumers such as myself again.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
Debt is stale, from 2003. 
Original debtor discharged this debt ; MCM collection agency has failed to provide verification and that debt was sold to several different companies.

Company response to consumer: Closed with explanation