vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: MD

Complaint narrative:
I applied for a hamp loan approximately 4 years ago have gone thru over XXXX different loan officers and have been told that i qualified for loan only to be changed to another person. What i have gone thru is so unbeliveable that i was directed to go public and they gave me your email plus another to see if you can investigate because i have no were else to turn, I have done everything they asked over and over just to end up losing my house i have been in for XXXX years due to there mistakes and there is nobody to hold them accountable. i have put out large sums of money and have all the paperwork to back up everything that i have had to endure thru this nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AMA Advisors, LLC.
State: UT

Complaint narrative:
I received notice around the XXXX of XXXX that HomeBridge Financial Services had purchased my mortgage and would be servicing my loan. In this notification it stated that I would need to start sending my mortgage payment to them starting XXXX XXXX, 2015. In the letter it stated that I would not be able to establish an new user account or access my loan information until XXXX XXXX, 2015. On Monday XXXX XXXX I tried calling the number listed on the notice to make a phone payment, but the automated phone system would not recognize my social or loan number i provided and I got stuck in a loop. After this I decided to wait until the XXXX and try to pay online. This morning I tried setting up a new user account on HomeBridge 's website and it keeps telling me that they do n't recognize my information. I then tried again to call and after XXXX minutes of trying to get through the automated system, which also did n't recognize my information, I finally got through to hold music. I then waited on hold for XXXX minutes to get a hold of a person so that I could make my payment. I have wasted a considerable amount of time trying to resolve this issue.

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 2016-08-19 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: NV

Complaint narrative:
I have sent several requests to Aargon Agency Inc. per the Fair Debt Collection Practices Act, 15 U.S. Code 1681, Fair Credit Reporting Act section 623 ( a ) ( 1b ) and section 623 ( b2 ) requesting the show me the documents required by law that they have to hold me responsible to this debt. Also according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. 

At this time I am submitting this as so that the FTC will have on record that I have attempted on numerous occasions to have this company obey the law and they have refused to produce the documents they are required to have on file to continue to report this derogatory information. I have been given no original contract bearing my signature or documentation of any kind. 

It was advised that I try to have this issue resolved though the mediation of the CFPB before I filed suit in state court seeking remuneration for several things including but not limited to : Violation of the FCRA, Violation of the FDCPA, Defamation of character and Identity Theft as they have opened this account without my knowledge or consent. I have lost opportunities due to this illegally reported information remaining on my credit profiles. 

I am attaching a copy of the most recent USPS Certified mailing sent to this company in XX/XX/XXXX which has well surpassed the 30 days allowed by law for a response.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2016-06-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: AMERISAVE MORTGAGE CORPORATION
State: NY

Complaint narrative:
I inquired about Refinancing online. Several Mortgage Companies, including Amerisave set me several e-mails for several weeks. I take care of my totally invalid mother and it 's been frustrating with all the e-mails and phone calls. Amerisave kept sending me athe same e-mail that allows hyou to click in that days rates. I clicked in everyday and did nothing until XXXX/XXXX/XXXX, when the Rate was 3.25 % with Closing Costs of {$2700.00}. I clcked on the Link to Apply at that Rate and Fees and I went as far as the Application all wallowed me. Upon not being able to finish, I received e-mails from XXXX XXXX of merisave. She promised that if I sent my XXXX Tax returns, she could finish locking in that Rate and the aforementioned Fees. After sending her my Tax Returns, she sent me a Link to choose a NEW Rate. I told her I wanted my Rate and Fees from XXXX/XXXX/XXXX, as applied for and as promised. She told me that I could n't get that Rate and Fees, and I had to go with that day 's Fees of {$3800.00}. I complained, she said I insulterd her, which made me more upset, so I called her a XXXX. I 'm under tremendous stress caring for my mother and XXXX XXXX lied to me and insulted ME. I insulted her in return. I wasas also mad that she was trying to change the Fees on me. When I complained to her Supervisor, XXXX XXXX, he insulted me also and refused to honor the Rate nad Fee I locked in on XXXX/XXXX/XXXX. 
I also have every e-mail exchanged between XXXX XXXX, XXXX XXXX, and myself. XXXX e-mails CLEARLY show her telling me that my Rate and Fees would be what I applied for on 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 2016-08-23 00:00:00
Product: Debt collection — Mortgage
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Cohn, Goldberg & Deutsch,LLC
State: MD

Complaint narrative:
communication tactics Seized or attempted to seize property Used obscene, profane or other abusive language continue to advertise property as foreclosure after debtor seek relief In the days following bankruptcy filling. the debt collector XXXX XXXX, XXXX law firm Cohn Goldberg Deutsch may have approved the use of violence or even orchestrated it .from evidence and actions and the pride inspired by this third party .the debt collector only way was to play on the old fear, bulling and treacherous. 
inflict XXXX to collect a debt, that include the third party inflicting physical injury orchestrated by Cohn Goldberg m and Deutsch and XXXX XXXX, XXXX these debt collector moral compass is off course. they seem to have take the position that they are above the law. 
Portraying their actions as perfectly permissible. TO COLLECT A DEBT. The debt collectors XXXX XXXX, XXXX COHN AND GOLDBERG, Deutsch, XXXX XXXX XXXX XXXXl XXXX, XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: IN

Complaint narrative:
I receive phone call from Harris and Harris limited numerous times a day from different number. I block a number from calling me after so many times. And they call me from another number. And after so many times calling from that number I block it. I have blocked so many of their numbers you would think they would n't have anymore to call me from. But they call me from a number and if I am unable to answer they will leave a message and call me from another.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Aldridge Pite, LLP
State: GA

Complaint narrative:
I had a loan with XXXX XXXX XXXX they transferred it too XXXX on XXXX XXXX, 2016 on or around XXXX XXXX, 2016 I received a letter from Aldridge Pite stating that they are attempting too accelerate my loan. However, I never received a payment coupon, accounting, offer of loan modification, deed in lieu or short sale. This is illegal activity and I need your firm to investigate immediately!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Hollis Cobb Associates
State: GA

Complaint narrative:
This company continues to call my daughter, who is now XXXX but was XXXX at the time of her XXXX. Despite giving them my phone number on numerous occasions and my listing as the responsible party for finances on the account, they have never contacted me, but continue to call my daughter. Today 's call was a " XXXX XXXX '' who threatened that police would come to our house and take her to jail if the debt was not paid in full over the phone to him. I contacted the company and despite being able to pull up the account without me giving them any information, they denied that they had ever had my contact information. My daughter is XXXX and now XXXX by the way she was spoken to and the threats made by this company over the phone.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Aargon Agency, Inc.
State: IL

Complaint narrative:
Hi AAGON Agency Inc enter a collection with credit bureaus and this is the first I heard of the debt. I have no ideal who I owe money too. I do have health insurance and their were no co pays. I need this debt removed to they verify that the debt is mines and from what medical clinic. It 's strange they post this when they got my address to damage my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 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: TekCollect Inc.
State: TN

Complaint narrative:
i recently checked my credit report and noticed that this company has reported that I owe them a debt but to my knowledge I have never receive any notification that I owe this company. I have never entered into a contract with this company and neither have they provided me with any service or goods

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I was told by a debt collector with Asset Acceptance that I would be sued and have a Lien placed on my property and bank accounts for an account that is over 9 years old. I was told it was a XXXX account from XXXX. I also was verbally abused by the collector when I told them that the account was over 9 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I applied for AMEX platinum credit card a few month ago. This card has sign up bonus, if I spend over XXXX dollars within 3 months after account open, I will get XXXX MR reward points. 

I got bonus points after I spent $ XXXX+ within 3 months, but AMEX just clawed back my points last week, I called them to inquire, they told me because I have return credits, so my spending is below {$3000.00}, I did n't meet spending criteria. That is not true, I did have some return credits, but no matter how much credits I got, my net spending is over {$3000.00}. So I am eligible to qualify for bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I have an American Express credit card before, during I travel out of the U.S., someone stole my credit card information and use my credit card in U.S. After I found the fraud transactions, I reported to American Express . However, they just blocked my account and finally sold to a debt collector. This has great impact in my credit report. I called them so that we can resolve the problem, but they just asked me to call the debt collector. When I called the debt collector and told them the situation, they ask me to call American Express. Then I called American Express again and wanted to negotiate with them, but they refused, and they keep asking me to call the debt collector. When I try to call the debt collector again, they never pick up my phone. Again, I call American Express, they still keep asking me to call debt collector. 
The reasons I need to complain as follows : First, someone hacked in American Express 's system and steal my information is their fault, they failed to maintain a security system to protect their customers. 
Second, after I reported fraud transactions to them, they fail to handle this problem, instead, they just blocked my account. 
Third, American Express locked my account and sold it to the debt collector without contact me. ( they did not contact me, they even did not send me an email ) Fourth, I called them to resolve the problem, but they refused to negotiate with me. They keep asking me to call the debt collector. When I told them I can not reach the debt collector, they refused to solve my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19 00:00:00
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: MOHELA
State: IL

Complaint narrative:
Mohela has been calling me for almost a year now. i have blocked the number and they find new and different numbers to call from. They call multiple times a day everyday and i have explained to them a minimum of 10 times now that the person linked to my cell # is not me. I went through a lengthy process of proving this twice before so they would remove my number and it somehow keeps getting added back into their system. they continue to call XXXX3 times daily all hours of the day, leaving me messages about a debt owed that is not mine. i have asked many times now, proven the number is mine and not the " borrower '' but they keep calling me despite attempt after attempt to stop the calls!!!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
Had a period in time where finances were struggling.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: TRANSWORLD SYSTEMS INC
State: MN

Complaint narrative:
XXXX refuses to lower my payments to a reasonable amount for my income level. Ive never missed a payment but also have never been able to pay the full amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I signed up for a American Express XXXX card in early XXXX with an offer of XXXX membership reward points after spending {$3000.00} dollars within 3 months. I met this minimum spend on XXXX XXXX which was confirmed by multiple customer service reps. I was told that according to the terms and conditions, I would have the points available by XXXX XXXX ( after 8 weeks ). I attempted to transfer the points on XXXX XXXX and received an error code. I called Amex customer service who could not figure out what the error is. They said to try again on Monday, XXXX XXXX. I attempted to transfer points to an airline partner and again received an error code. I called customer service who also were not able to transfer the points. They transferred me to a membership rewards specialist who told me there was a hold on my points for XXXX8 weeks which should have cleared by today. The customer service rep looked into it and did not have a reason for why my points were unavailable. He recommended waiting another couple weeks, to check back XXXX XXXX. I expressed my frustration that I had met the spend, waited the entire 8 weeks, and still could not use my points. The representative apologized but stated there was nothing to be done but keep checking back every week.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-18 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
Verified with your office about Federal law in place to deal with such conduct Both American Express and XXXX Bank violated such law by refusing to issue me credit card based on loss they experienced with my name over 8 years ago. 
According to your office, 7 years can be reported or acted upon but not beyond. 
My credit score around XXXX which enable me to get credit with other banks. 
Both American Express and XXXX specifically referred to specific loss occurred 8 years ago Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
Conituous calls to collect debt that is over card limit? I am current on payments and have NEVER been late for tha past ten years. But they call from " Collections '' asking how I can resovle my debt. I ask am I late? Did I miss a payment? The answer is no " But '' its over the limit and want to know if i want to make a plan or arrangements to get the amount below the allowed credit limit?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NE

Complaint narrative:
I am sick and tired of getting credit card, loan, and insurance mail from USAA. I 've called these XXXX and told them I 'm not interested in there products, but I still keep getting mail from them. I want it stopped.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I have no knowledge of usaa credit card for a credit limit of XXXX dollars back in XXXXand I would like it removed as it 's reporting to the XXXX and negatively affecting me

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-14 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
USAA Federal Savings Bank issued a XXXX from to me, but upon checking my credit score, I saw that USAA did not delete debt. It is still showing the amount and it is still open. Please help me resolving this matter because USAA is not helping me and they are rude. I tired to explain to them to take it out on my credit report but they always hang up the phone on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-16 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: Diversified Consultants, Inc.
State: GA

Complaint narrative:
HELLO, I HAVE NEVER HEARD FROM THIS COMPANY, NEVER HAD ANY COMMUNICATIONS WITH THEM ; AND OUT OF THE BLUE, THEY REPORT ME TO CREDIT COMPANY, XXXX XXXX DOLLARS. THEY HAVE VIOLATED MY RIGHTS TO VALIDATE OR DISPUTE THIS ISSUE AND WHEN I SPOKE TO A CONSULTANT, XXXX, HE SAID THEY WERE MAILING IT TO MY PREVIOUS ADDRESS WHICH IS UNTRUE, BECAUSE MY MAILS FORWARDED TO THIS ADDRESS MY ACCOUNT NUMBER WITH THIS COMPANY WHICH THERE REP GAVE ME IS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
I settled a debt around XXXX / XXXX. I have recently understood that for some reason, the USAA banking department is not aware of what the settlement department has completed on my account, and they still wrongly consider my past account with them as outstanding etc. It is difficult to get it handled when I call in and I wait on hold and get passed around.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-17 00:00:00
Product: Credit card — 
Issue: Other — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: DC

Complaint narrative:
This is a general complaint that I would love to see CFPB take up. I find it outrageous that credit card companies often do NOT show us our running balance on our credit cards. I just called USAA because the numbers were n't adding up and even the friendly guy who answered had to calculate all my expenses one by one because he could not see the running balance. It 's 2015, there 's no reason these banks can not keep a running balance. This only increases the chances for manipulation and is a complete lack of transparency. I think we should make it ILLEGAL for credit card companies to not show the running balance. Thank you!

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