vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-19 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Finance of America Mortgage LLC
State: CO

Complaint narrative:
While under contract to Sell a home, the Buyer 's lender repeated lied to me about the Buyer 's ( who is also a licensed Real Estate Agent ) ability to obtain a loan on the home. 
I am the listing agent. This lie cost many months of aggravation, thousands of dollars, hours of work to me, the Sellers and the Sellers of the replacement homes involved. 
The Sellers had every intention of filing a complaint ... but decided they did n't want to add to their stress and aggravation. That is why I am filing instead. Both Loan Broker and his managers have admitted that he purposefully deceived me at the direction of the Buyer/Agent. I was told the Buyers were " clear to close '' with the exception of their contingency to sell their current home. In the end, I found out they had been denied the loan by the in-house lender, then denied the loan by an outside investor. Just days before the final 'closing ' date, I was told everything was good to go and that they were just waiting on final numbers ... it turns out the lender was submitting the loan package to a third investor. They were ultimately denied that loan as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: TRANSWORLD SYSTEMS INC
State: IN

Complaint narrative:
I never received notice that I owed this debt. I found out when I went to urgent care and they told me that I had a balance that was sent to collections two years ago. I then came home and looked at my credit report on XXXX XXXX and saw that it just showed up this month, it has n't been on any previous credit reports. The amount that I was told was owed was also different from the amount shown on my credit report. Urgent care had my correct phone number and address in their system so there is no reason that I should n't have received a bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Asset Management Outsourcing, Inc.
State: OR

Complaint narrative:
XXXX XXXX is my Health Insurance and Health Services company. I had a procedure that came with {$100.00} copay. I paid by charging my credit card in advance of the procedure at their prompting. The procedure and payment were XX/XX/2015.I received a collection letter for the item on XXXX XXXX, 2015 from their collection agent AMO Recoveries . I was never contacted by XXXX about the lack of payment prior to this letter from the collection Agent. 
Not only was the payment in advance of service, XXXX never notified me they had no record of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Aargon Agency, Inc.
State: VA

Complaint narrative:
I received a letter from AARGON Collection Agency attempting to collect {$1300.00} for services provided by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No bill or statement was attached to this collection agency 's notification. I have not been in XXXX, XXXX in 25 years and have not used any services by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ever. I did a search on this collection agency online and through the XXXX and there seems to be many other collection complaints about AARGON Collection Agency in XXXX XXXX, XXXX. ( AARGON Collection Agency, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ) This debt is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-08-22 00:00:00
Product: Debt collection — Federal student loan
Issue: Communication tactics — Threatened to take legal action
Company: Ceannate
State: IN

Complaint narrative:
On XXXX XXXX, XXXX, I received a letter notifying me that a debt was placed with their office. This letter was dated XXXX XXXX, XXXX. 
Today, XXXX XXXX, XXXX, I receive a second letter from this company stating that they have made several attempts to contact me and that I have failed to respond. In this letter, dated XXXX XXXX, XXXX, it states that any accounts that remains unpaid for 60 days after they are placed with their office are subject to garnishment or litigation. It states in the second letter that the account was placed in their office on XXXX/XXXX/XXXX. 
By the time I even received their first letter, I was already past their claimed 60-day window for legal action. I was waiting for a few more pieces of mail ( unrelated to this matter ) in order to talk to my bankruptcy attorney when I received these two letters literally a week apart from one another. The first letter does not state when the account was placed or a time window for action on their part. 
I have not received one phone call from this company and I 'm more than confident that the original creditor has my current cell phone number as I have discussed this debt with them before it went to collections and updated all of my demographic information. 
At the rate in which their adding interest and fees, I 'd never be able to pay them off. Per their letter, with a XXXX % wage garnishment, almost half of the garnishment payment would go to the fees and interest they added to the account in just the two weeks prior to that payment. This makes it impossible to even work out any sort of payment arrangements with them as my wife 's wages are currently being garnished at XXXX %, and add to that my son needing constant medical attention, I feel with their unjustifiably late letter and now the imminent threat of legal action against me, my family 's financial stability is in question and it could possibly put my son at risk due to not being able to provide for him the medical care he needs. 
In one week 's time, this company has placed an undue stress upon my family with their questionable contact tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
We have a complaint against American Express about deceptive advertising. My son and were issued a XXXX for Business Card from American Express in XXXX and as we own a startup, we needed money. They have this check spending availability feature which allows you to spend a certain undisclosed amount over the limit. We were hesitant at first, and we called American Express in good faith to know exactly how much we can spend over the limit. They told us the website would tell us. We thought, fine, we 'll do that. Big mistake. American Express then pulled both of my accounts with them without any warning. They had us pay a minimum of {$600.00} or more every month. Then in XXXX, they began charging us over {$900.00} per month. We were unable to meet these high minimums. Now they harass us constantly, threatening us. Their debt collectors within American Express threaten to take our case to an outside collections agency and ruin our credit. We tried to explain to them the situation, yet they 're not happy with less than {$3000.00} a month. We now have a hard time keeping our other obligations due to their high demands, causing us to fall behind our other bills, I guess that 's how they plan to ruin my credit. My son handles all the finances with the business cards, and he is even having a hard time paying his cards because of the demands of American Express. We both understand that American Express has been in trouble with the CFPB and other agencies for similar type tactics. Please let us know how we can get them to stop. We even indicated to them we are willing to work with them to get this issue resolved, but they do n't want to listen to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
We have requested that HSBC ( Household Finance ) correct their own accounting error in which they did n't properly credit our account for 2 monthly mortgage payments of {$1700.00} each or a total of {$3400.00} in XXXX. They sent their own accounting records to us which proved their error and we sent a copy of the records back to them with a letter outlining the error in XXXX XXXX. We have written to them multiple times and they have not taken action to rectify this error. We are now asking them to pay this amount to the company they sold our mortgage to ( XXXX ) toward the principal on our home loan. We are also asking that they pay a penalty to us equal to 6 months of payments ( {$10000.00} ) for failure to respond in a reasonable time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
American Express refused to work with me to develop program to pay off the account balance. Instead, the representative insisted that I was ineligible for a plan, despite my inability to make the requested monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I opened a checking account with HSBC about 2 weeks ago and I changed my direct deposit to the new account. Yesterday ( XXXX/XXXX/2016 ), I found out by logging to my account online that my checking was slated to be closed without any knowledge from my end. I contacted the bank and they are unable to explain to me why my checking account was closed without any notification. My paycheck is supposed to be deposited to the account today ( XXXX/XXXX/2016 ) and I ca n't access it because the bank closed my account without grounds. I demanded the bank to reopen my account and an explanation but they ca n't tell me why it happened. Now I ca n't access my money for another 2 weeks until payroll fixes my direct deposit to a different bank and I will be behind on my credit card payments. I have attached a copy of my paystub which shows the banks routing number and the pay date.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
In XXXX i reviewed my XXXX report. a collection account is there from XXXX listing HOUSEHOLD FINANCE as the original creditor in the amount 0f XXXX and a current balance of XXXX I have never had an account with household finance, so i disputed with XXXX based on the fact that the account is not mine. 
I received a phone call from XXXX XXXX @ XXXX XXXX the very next day informing me that it would not be deleted from XXXX because they dont work for XXXX, XXXX works for them. He stated that the only way it would be deleted is if i paid it. He then threatened to report it to the other XXXX bureaus if i did not pay it off by the end of the week. 
When the dispute closed with XXXX in XXXX, the account was upheld with now a XXXX balance. 
XXXX is refusing to answer my letters to validate the debt, and they will only give me a PO BOX as a mailing address, so i can not send them any legal documents to sign for. 
They also lack the surety bond that is required by my state to collect or report a debt as a collection agency. 

to this day they still will not give me any information to verify the legitamacy of this aleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-11 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I use an American Express Blue Cash Rewards card which gives 5 % cash back reward on spending on gas and in supermarkets after spending {$6500.00}. I reached that limit in XXXX 2016. However, for the following months of XXXX, XXXX, XXXX, and XXXX Am Ex continued to pay me 0.5 % - 1 % reward as if I had not reached the spending threshold for receiving the higher reward. I contacted them numerous times over the past 5 months and was just given the runaround. My estimate is that they owe me between {$130.00} - {$140.00} in cash rewards.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: GVA Holdings, LLC
State: WA

Complaint narrative:
I have been receiving threatening calls from XXXX XXXX. In their voice messages, they state that they are going to sue me and have me served with papers at my place of employment and at my home. In addition, they contacted my parents and disclosed all of the information regarding this " debt '' and told my parents that I was going to be sued. When I attempted to call XXXX XXXX to question them about their harassment and collection tactics, the case worker who refused to give me his name stated that my father was right about me, I never pay my debts and steal money. This is insulting and false on all counts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: TX

Complaint narrative:
I recently filed a complaint about Bayview Loan Se vicing. There has been some things brought to my attention. XXXX XXXX bought XXXX XXXX XXXX in a Foreclosure Sale. Someone made an offer on the property, they got turned down. XXXX XXXX was the listing agent, XXXX XXXX refereed them to XXXX XXXX. They was told the property was sold but never could find out by who. They submitted another offer was submitted through XXXX green, XXXX XXXX was asked and she told them that she did n't know who the new owners were. The property was Quit Claimed to XXXX XXXX XXXX, Offers were made for XXXX months no one ever said anything about it being Quit Claimed, never was told who they were. Now the property 's servicer 's are Bayview it was listed on XXXX. Ihave found several properties done like this. What concerns me is that XXXX and XXXX XXXX are always the agents and sometimes the property is sold or Quit Claimed to XXXX and/ or XXXX XXXX. It 's always the same people involved.The property XXXX XXXX XXXX XXXX XXXX, TX XXXX was listed incorrectly online but when the people tried to purchase it XXXX tried to sell them XXXX acres, they corrected her she finally fixed it. Another couple tried to buy a house down the road got a USDA loan XXXX XXXX listing agent. When it got to the title company they found a problem, It was brought to XXXX attention she refused to fix it. So the contract got cancelled. XXXX XXXX was the servicers it was a short sell. The couple asked XXXX XXXX for their earnest money back she refused and made all kinds of excuses. They finally threatened to get a lawyer she finally gave it to them. The property XXXX XXXX XXXX XXXX XXXX XXXX still has the earnest money checks. There are a XXXX listed on XXXX that the same people are involved in. The XXXX property had n't went to foreclosure when the XXXX tried to buy it but it has since and all the same people are involved and then both houses are listed same time, same site, and same people.XXXX XXXX took people to court for eviction their lawyer told the people they only received XXXX offer on XXXX XXXX XXXX XXXX, XXXX XXXX 's attorney also informed them that they did n't have a listing agent for the property. The next day XXXX XXXX calls and tells the people that they said things in court about her that was n't true. They had emails and correspondence with XXXX XXXX emails and text. The bank XXXX XXXX mailed letters to the home owners but they used the address XXXX XXXX XXXX XXXX XXXX, TX instead of XXXX, Tx then said people refused certified letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Dear XXXX XXXX, I am disappointed to find out that you have changed the terms and condition on all of your cards to once-per-lifetime signup bonus. Having signed up for your XXXX XXXX card and XXXX XXXX card when it was only offering XXXX points, you have now increased the sign up bonus to XXXX during recent promotion. I contacted you by phone for a courtesy match for an adjustment of XXXX which was initially declined but was later offered XXXX instead. The points have not been posted yet and I kindly ask to please match the signup bonus by making a XXXX courtesy adjustments on both my personal and business XXXX card. I have been a long time customer with you and hopefully have put enough spend on the cards to earn such adjustment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-03 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Over the summer American Express offered XXXX sky miles points for those who spend over 2000 during the first three months. Previously, over 3 years ago I closed an account with this card and was wondering if I applied would I be eligible for the rewards. So, before applying I went and spoke to an American Express agent at the airport ( XXXX ). They told me that because of the time between accounts ( plus AE had different offerings at that time ) I would qualify for the bonus points if I spend the required amount. From that conversation, I went home applied, got approved, and spent the required amount. Now American Express is not awarding me the points because I 'm not eligible for them .... I feel completely taken advantage of and feel like that agent told me this just so that American Express can have one more card holder .... I 've reached out to them and they 've opened and closed a case investigating this issue without giving me the points I 've earned. Right now, I completely understand the qualification of this card, however, I should not be the person punished for the mistake their employee made by telling me I would qualify

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: LTD Financial Services, L.P.
State: CA

Complaint narrative:
I ask XXXX XXXX XXXX to stop calling our home, I told her this would wake up my wife, I told her not to call anymore, and if she can mail any letters instead, she said the calls will continue until the bill is paid off, I said is n't that against the law, she said as long as you owe money, calls will continue. this is not my account it is my wifes, I told her I am recording this phone call she said o'k

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-24 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: TX

Complaint narrative:
I wrote Midland Funding 30 days ago, they have not responded to my request for legal validation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-06 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: NH

Complaint narrative:
I was speaking to a travel agent with American Express XXXX XXXX. She arranged an itinerary and booked the flight. She told me i could change the payment method but was just booking the flight. Within 24 hours i received an email that i was billed for the airfare. Before this i booked a hotel reservation online with Amex and it automatically billed my card without asking for payment method. I noticed that the hotel billed me for XXXX on my card which i did not authorize. I immediately cancelled the reservation and got a confirmation of cancellation yet the full room charges remained. I chatted with XXXX individuals through live chat plus XXXX more on the phone for a total of XXXX hours to try to resolve the unauthorized charge.Amex blew me off.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
I am a XXXX XXXX, with a vacation home in the USA. I have had a checking and savings account with HSBC USA for about 5 yearsAbout 6 weeks ago, the HSBC USA regulatory team contacted me by e mail, for additional information. Specifically, they needed my Social Security number, and details of my XXXX.As I was in XXXX at the time, I was asked to present these to a local branch in XXXX to have these 'verified '. On XXXX the XXXX XXXX, I brought these items into the XXXX branch in XXXX, with details of where to send the verified copies. I was assured this would be done. 
Long story short, HSBC USA never received anything, and without any prior warning, I discovered yesterday that they have cancelled my accounts with them, and have advised that a check will be mailed to me in 7-10 working days. I have now opened another account with another provider, but until I receive, and cash the check from HSBC ( approximately {$22000.00} ), I have no means of adding funds to my new account. 
This has left me without any means of getting and cash, and without a local credit card. Furthermore, I have a number of direct debits set up, which will no longer be honored. It is likely my credit rating may be negatively impacted if or when a direct debit request is declined by HSBC USA. 
I am extremely unhappy I was not contacted to be told there was information missing, or given a chance to rectify the problem now I am here in the USA. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Asset Acceptance has continued to report a debt which is not mine and which they have not previously validated as I had requested in 2011. I have attempted to correct the disputed information with my credit bureaus, and XXXX and XXXX have removed the account while XXXX has refused to review the investigation. Because of the continued reporting by Asset Acceptance and lack of review by XXXX it is causing significant hardship in obtaining a mortgage for a primary residence with which I am in contract for.

Company response to consumer: Closed with explanation