vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have a loan through Citibank which was originated in XXXX XXXX. I called in late XXXX XXXX and asked about the processing of removing PMI from the loan. I was advised to fill out a request, set up an appraisal appointment and pay the cost for said appraisal. Once that was completed, I called Citi and verified that the PMI was removed. I recieved a letter in the mail affirming this. In mid XXXX of XXXX, I recieved an updated Escrow statement showing PMI being added back to loan. I called Citi and they said they did not know what happened but they would fix it and a supervisor would call me back. That did not happen. On XXXX XXXX, XXXX I called Citi again and supervisor told me that the PMI should not have been removed since the loan was less than 2 years old and that they were planning to send me a letter to notify me. I asked why that was not explained to me during my call BEFORE I spent money and time on an appraisal and she told me that the associates at Citi can not see how long a loan has been open. They are now saying I have to wait until XXXX XXXX to try and remove the PMI again. I am at 73 % of LTV. I will also add that during my original loan application, I was not notified of this time constraint.

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 2016-12-09 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: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
I have repeatedly asked for proof that the debt belonged to me via certified mail. They can not provide me the information requested and refuse to remove the item from the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30 00:00:00
Product: Prepaid card — ID prepaid card
Issue: Managing, opening, or closing account — 
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
If I have a voided transaction ( Bluebird by AMEX ) and the merchant has already swiped my card, they will hold the funds for 8 days-even after the other merchant has processed the credit within 3 days. They wo n't even accept a receipt for proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
They have called my employer numerous times, even after I have asked them to stop calling me at work, at the phone number. Not only that, but they have told my employer who they are, and that they are debt collectors, and have given personal information out. This damage, can not be undone. They should have never called work, and when asked to stop calling they did n't stop. They are not allowed to give out personal information /or say it is regarding a debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-07 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am using my AMEX for the company that I am working for, I will attached the email that I received from Finance Controller confirming this. I am behind on payment to AMEX while I am waiting for the Reimbursement from the company. Amex has been calling my phone asking for my sons for payment. I am the primary card holder but they are reporting this delinquent to their credit reports. I am also attaching the statement confirming they have XXXX transaction in 2015. They are only subsidiary card holders and should not be responsible for the delinquent of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 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: HW Holding, Inc
State: WI

Complaint narrative:
We just received a letter from this debt collection agency stating that we owe to the company we used to rent our apartment from. There was no correspondence from the rental agency about any money owed, and they even kept our {$800.00} damage deposit without any explaination. This rental agency needs to be reprimanded for taking advantage of it 's renters.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
American Express has been calling me relentlessly every 2 to 3 hours for the past two to three weeks and they do not respond to faxes to cease and desist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-23 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
My XXXX sign-up bonus for the American Express Platinum card was clawed back by AMEX. I meet the spending requirement within 3 months of my card opening, and I do n't know why AMEX are doing like this. It 's not a good way to do business. There 's no official letter to notice me. They just clawed my sign-up points.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I defaulted on a credit card with XXXX XXXX XXXX and it was sent to collections. Midland Funding picked up the account and it was sent to XXXX XXXX XXXX XXXX XXXX ( which is now XXXX ). I received a letter in the mail that they were filing suit. When I called they offered me a settlement option for the debt, which I did not take at the time. Then they told me they would postpone the suit if I set up a payment plan, which I agreed to do. On my second to last payment ( XXXX/XXXX/2016 ), I was given a settlement option which I took. At no point throughout the entire process was I informed what the impact a settlement would have on my credit rating and that it would be seen in an even more negative light. Upon learning this, I contacted MCM ( Midland Funding ) ( XXXX/XXXX/2016 ) to rectify this, but they informed me that I would have to speak to XXXX XXXX. When I spoke with XXXX XXXX on XXXX/XXXX/2016, they informed me that they would not be able to take payment as the account was closed. They also informed me that the remaining balance was only court costs and not the actual debt that was owed the original creditor. I then contacted MCM on XXXX/XXXX/2016 to seek resolution, i.e. pay the remaining balance, which they stated they would not be able to take as the account had a {$0.00} balance. I then asked them to correct what was going to be reported to the credit bureaus which they said they would not do. They told me the report would say " paid in full with a memo saying paid for less than the full balance ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-26 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Midland funding contacted me repeatedly over a debt they bought when I had a delinquent charge off from XXXX XXXX XXXX back in 2014. They pressured me into paying it by threatening to sue me and garnish my bank account, and they called me upwards of 10 times per day. 

When I finally paid them, they told me they would delete the account from my credit report. I have disputed this with them multiple times stating that they said they would remove this account from my credit reports, and they still will not do so. 

Due to the fact that they used harassing collection tactics and lied about taking legal action against me, and the fact that there was a class action settlement last year against Midland funding due to their deceptive collection tactics, I request that their account be deleted from all three of my credit reports. 

Please let me know if you need any additional information from me about this and I will gladly be able to help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-22 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BOK FINANCIAL CORP
State: NM

Complaint narrative:
By virtue of a single transaction larger than usual I had forgotten about a small transaction that had not yet cleared. These transactions ( one for {$1600.00}, the other for {$70.00} ) both cleared on the same day resulting in an overdraft for which the charge was {$34.00}. That seems high, since it was the XXXX instance since opening the account about fourteen months ago. Inquiring if an overdraft protection procedure was available, i learned that another checking account could not be used since the other account was a commercial account, but that a savings account would serve this purpose. No mention was made of any charges involved. It took about a week to get a savings account established, and to see how it would work, I again over drafted the personal account. It worked fine, but resulted in a {$13.00} charge for the service. This seems unreasonable. My sense of these transactions is they both were driven by software without any human effort required, which makes me think I 'm paying for service that I 'm not getting.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-01 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: The CMI Group, Inc.
State: TN

Complaint narrative:
I get phone calls and letter for a collection agency trying to collected money for bills who I did n't know was on collection. I get multiples phone calls treated me of jail. I never received a bill for the previous company with an amount to paid. I want this harassment to stop immediately before I request some compensations for this issue. I am on DO NOT CALL list and still get call from collections who used difference number to get me answer. I want this account to show XXXX balance and be reported to all credit agency in the time manner

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE
State: MD

Complaint narrative:
I contacted Western Union for an issue with the funds attached with my Western Union account. I contacted Western Union on XX/XX/2015 at XXXX XXXX in regards to changing the name of the receiver for my Western Union payment. The first person I spoke with was pleasant and helpful, then the supervisor was called because the number was n't the same as the number on file. I explained that I had already changed the number and that the new telephone number was all I had. XXXX then told me that it was a " compliance department problem and they were the only ones able to correct the situation '' he told proceeded to tell " me to hang up because know one would help me ''. After demanding someone else to speak with, he placed me on the line with a compliance officer who told me that it was " in fact the customer service department and them only who could handle such a situation ''. XXXX, the alleged customer service manager at that point because immensely disrespectful and rude. He then transferred me to another person, a woman by the name of XXXX, who was acted as if she was clueless on the processes of the customer service department. She then placed me on hold for 35 minutes and then hung up the telephone. I am overall disgusted and dismayed with the care I received on the telephone and hope that this situation never happens to anyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc.
State: OH

Complaint narrative:
Have a car loan with GM Financial. The loan was for XXXX months but I have made a total of XXXX payments for this loan. They have came repro my call when it is paid off. I have a letter from tell me that I need to call them to get the title of the car. GM has miss applied some payments according to the records of my payment history,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Well Fargo continues to violate federal laws and keeps charging me late fees and interest fees on a credit card account that was closed over a year ago. This is the second complaint in less than a month because Wells Fargo is still charging me excessive fees on my closed credit card. Please read my previous complaint made with CFPB, case number XXXX. Wells Fargo has also charged me excessive overdraft and several other types of fees on my checking and savings accounts. Wells fargo is charging me excessive fees on all of the accounts and products that I have with them. Wells Fargo also charged me excessive late fees and high interest fees on a closed auto loan. Wells Fargo has continued to charge excessive fees even after these accounts were closed. I had a checking account, savings account, business checking account and a business savings account all opened without my consent or knowledge. All of these accounts were not visible on my online banking and I never received bank statements for those accounts. These accounts kept getting several monthly severice fees and other fees and I never even knew these accounts existed. Every direct deposit of my paycheck gets taken away by Wells Fargo as an account right off on the accounts that were opened without my consent. Those accounts had received several fees before they closed and wells fargo keeps making account right offs and withdrawing my money from my checking account to pay off the excessive fees on the accounts that were opened without my consent and that were closed due to inactivity with large negative balances from the fees.

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 2017-01-11 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Express Aviation
State: TX

Complaint narrative:
I was a XXXX student at XXXX XXXX College when they closed down making them in breach of contract. I never got to complete my degree. When we were in enrolled we were told that we would need to take out a private loan to cover the remainder of the balance. We did this and the private loan went directly to the school never touching my hands. I did not request a stipend check for living so this private loan was solely for the school. In XXXX of 2016 XXXX XXXX in XXXX XXXX closed down and left us with all of these loans. I have called the lender and they stated I would still be responsible for the loan even though XXXX XXXX was in breach of contract. I have given up so much and missed out on so much for this school. I will have to restart my program elsewhere and put my life on hold for another year or so. I do n't believe I should be held responsible for this loan at all being that it went to the school not to myself. I stopped working so I could concentrate on school I feel like I had given my all for nothing. XXXX XXXX convinced me to get the loan out. I did n't even know it was growing interest while I was still attending. I feel that XXXX XXXX breached their contract so I should not be held responsible for this loan or at least not the full amount. While I was attending school I was making monthly payments to the private loan as instructed by the school. XXXX XXXX made it known that we would not be able to attend scho and would be dropped if payments were not made monthly. I consider myself uneducated on the whole private loan and interest thing. I was supposed to finish school this XXXX. Now I am set back. I really hope that I can receive assistance on this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-19 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
HSBC randomly decide to close account with no notice and no reasons

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-09 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: MO

Complaint narrative:
They continuously have been calling me claiming that they are a Debt Collection Agency. I have no Past Due Debts and furthermore I NEVER received anything from them in writing regarding the Debt I allegedly owe. I have not returned their calls since it sounds very sketchy to me. They have called on besides today at XXXX, also on the following dates and times : XXXX/XXXX/XXXX at XXXX, XXXX/XXXX/XXXX at XXXX, XXXX/XXXX/XXXX at XXXX, XXXX/XXXX/XXXX at XXXX, XXXX/XXXX/XXXX at XXXX. And numerous prior times since my phone only can hold so many Caller IDs. They have also used several different phone numbers from where they call from : XXXX, XXXX, XXXX, XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
Requested validation and nothing has been received. I did have a XXXX account but it has been more than 7 years ago. This should not be listed on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-05 00:00:00
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
On XX/XX/XXXX XXXX night at XXXX and XXXX I went to the XXXX on XXXX to use the Mac machine I went to withdrawal XXXX from my account the Mac machine got to when it started counting the money but the door of the Mac machine never opens up it started acting like it was counting the money again and again the door never opens up instead a receipt comes out stating incomplete transaction. I went to the other machine and this time a receipt comes out stating to contact my financial institutions so I called them to let them know that the Mac machine took my money and that the door of the machine never open they stated that or their end that it showed that the Mac machine gave me my money and that they could n't credit my money back and that I had to send them the receipts. So I sent them my receipts and drivers license and they stated that I had to fill out a dispute form. I filled that out and contact them to see if they received it they stated that they had then they proceeded to tell me that they was n't going to contact XXXX that 's where the Mac machine comes from until XX/XX/XXXX then after contacting them then they were n't going to contact me until XX/XX/XXXX. But instead they contact me XX/XX/XXXX @ XXXX stating that they was n't going to credit my money back into my account and that if I wanted a copy of the form that they sent to XXXX bank that I could n't get it until 5 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-05 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
Debtor contacted my sister in another state, Georgia, about my debt. My sister is not a party to any debt that I owed. She has been contacted several times in XXXX via phone. I consider that a violation. In addition, I am contacted incessantly. I am trying to find out if the hospital has requested this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: MOHELA
State: MA

Complaint narrative:
XX/XX/XXXX I am again writing about my high irest and high principle on my student loan from MOHELA. I am writing about the fact that the principle has doubled since the inception of my loan. I am writing because I think the interest rates and the enormous of money I now owe is completely unfair. 
For me, this began with a collection of student loans XX/XX/XXXX. I attended graduate school with the loans. I suffered a bankruptcy and a divorce. My loan as of XX/XX/XXXX was {$55000.00}. It now totals {$97000.00} because of an inability to meet payments and a series of forbearances. Forbearances that MOHELA encouraged me to do. I believe that I have never made a late past XXXX day payment. I have never been reported to the credit bureau in my payment history. I have never defaulted on this loan. I have been paying direct loans and MOHELA {$450.00} a month for quite some time which I had met every month on time. As of XX/XX/XXXX I began making a monthly payment of {$760.00}. My interest rate is XXXX %. Why can I not lower my interest rate to a reasonable level like my mortgage which I was recently able to lower XXXX %. That along with a reasonable student loan payment will allow my family and I to pay our bills. I work XXXX jobs. My wife works. I have my own student loan, a child and a step child with student loans. I have a family of XXXX living in my house. I have a huge interest rate with MOHELA not to mention the fact that my loan payment has increased to a value of {$97000.00}. 
I do not think my interest rate is fair. I do not think it is fair that I am paying {$97000.00} for an education that actually cost {$55000.00}. I have shown that I willing to pay in a responsible manner. I pay every month and I pay on time. It is not fair that I have this enormous amount of debt that exceedingly surpasses what my initial principle balance should be. It is not fair that others are having their loans forgiven and or the idea that legislation is talking about free tuition for state schools. 
I have written letters to politicians that have attempted to help me. XXXX such advisement was from the office of XXXX-Ives telling me to contact a " XXXX, Ombudsman '' who apparently has not been interested enough to speak or write to me about my complaint. 
I am asking you to help me with this matter. A matter that I have asked MOHELA to address. A matter that MOHELA could obviously care less about. It is completely unfair that I am being asked to pay DOUBLE the amount owed for my education. That is pure greed. All MOHELA wants to do is to make as much money as they possibly can from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation