vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-13 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Application, originator, mortgage broker — 
Company: AMERICAN ADVISORS GROUP
State: FL

Complaint narrative:
At the end of XX/XX/XXXX I applied for a Reverse Mortgage with AAG. I was continually given the wrong information about what they needed in the way of forms. I have a POA. My husband has XXXX. The Mortgage Broker told me to get letters from the doctors stating my husband had XXXX and could not make financial decisions, which I did. Now we are into 4 months and they tell me they need a specific form signed and filled out by the doctor. They had me give them my original POA and now I have nothing. They are asking for the forms to be signed by the doctor and 2 times they have emailed me the wrong forms in the POA. They asked for my XX/XX/XXXX and XX/XX/XXXX tax forms, which I gave them now they tell me they need transcripts from the IRS. It is now going on 4 months since I first talked with a Mortgage Broker.If I had to do this all over again, I would not do it. I ' m just so far in now that I have to complete this or start all over again. This company is supposed to be the best. I doubt that very seriously. You ca n't talk to a supervisor, or anyone who can help you. Boooo XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: IQOR US INC
State: OH

Complaint narrative:
I had cable service from XXXX XXXX that was contracted through XXXX XXXX. All billing for my cable service was received from XXXX. I never had an account directly with XXXX XXXX. Upon the end of service, I received a bill from XXXX that reads FINAL BILL more than a year ago. The FINAL BILL showed that I overpaid the account by more than {$50.00}. However, XXXX XXXX created an account after service ended and continues to send me fraudulent bills via collection agencies attempting to collect at first {$230.00}, then {$140.00}, and recently {$98.00}. On XX/XX/XXXX, I contacted XXXX via certified letter to dispute the debt, provided a copy of FINAL BILL proving balance was not owed. This collection company stopped contacting me after the letter was sent. Then I received collection attempts from XXXX XXXX XXXX in XX/XX/XXXX and XX/XX/XXXX. Again, I sent a certified letter to dispute the debt, provided a copy of the FINAL BILL providing the balance was not owed. This collection company also stopped contacting. 
However, on XX/XX/XXXX, another collection company called Allied Interstate has sent me a letter attempting to collect the debt. Will all collection companies across the USA attempt to collect an alleged debt on a fraudulent account for the rest of my life? Will I be required to send certified letters every 6 months when XXXX XXXX sells the fake account to another collection agency until the statute of limitations passes ( another 5.5 years from now )?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-09 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Augusta Collection Agency, Inc.
State: GA

Complaint narrative:
I have asked for them to send me proof of the debt and they have refused. They will not even send it via XXXX Signature requested. I believe this debt is not mine and they will not prove it but has harassed me via mail and phone and now threatening me with a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
i was sued by XXXX for hsbc the debt is not mine there fraudlent charges on the acct they agreed in court to stop collecting the debt. 
and remove it from my credit report.Im getting getting harrassed by a company called XXXX .they do n't stop bothering and there violating the court agreement of docket number XXXXXXXXplease have them remove all negative i nfo from my credit report asap and stop harrassing me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
My wife and I received a random promotional phone call one evening from American Express. We agreed to the terms of 9.9 % and stopped using our XXXX credit card, as we were in the middle of flipping a home. The home is now cnear completion and we went to pay the XXXX balance off. In so doing, we were notified the 9.9 percent agreemnet was never activated. Statements are included to signify when the offer became effective. We called and were moved up the chain of command 3 times, to only be told, " Even if the promotion was valid, it is no longer and would not be in effect now. '' This is after we asked them to screen the recorded call, at the lower levels of customer service they denied any such promotion ever existed, and approximately 3 hours of nonsense. We closed the card, gave them any reward points and will keep paying it down until we actually have the agreement honored and pay what the implied- verbal contract is. We want to pay them what we owe them in full, not more.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
THIS IS THE SECOND TIME WITHIN A FEW WEEKS THAT I AM FILING A COMPLAINT AGAINST CITIBANK RELATED TO AVAILABILITY OF FUNDS. 
There are two issues that happened today : 1. Citibank refused to give me a cash advance from a Citibank brand 's Sears Card because I was missing my New York State Driver 's License with me even though I am a customer of the bank and have been in the branch where I tried to do this at least 20 times. They would NOT accept any other form of id and knew that my account might become overdrawn without this cash advance where they could charge return item fees as well as have me incur fees from the payees of these items which could result in fees of over {$60.00} per item. They know that my checking account has a XXXX balance because of issue no 2 below. I even had them contact the executive response unit that dealt with the CFPB complaint I filed a few weeks ago and they would n't relent on this issue. I WANT TO KNOW IF THERE IS ANY FEDERAL REGULATION OR GUIDANCE ON THIS MATTER FROM EITHER THE CFPB OR THE COMPTROLLER OF THE CURRENCY OR THE FE4DERAL RESERVE OR ANY OTHER STATE OR FEDERAL AGENCY. 
2. A merchant XXXX near the town I live in XXXX NY charged a debit card for my wife this morning XX/XX/XXXX even though I asked them to use a different card which brought my available balance to XXXX. The merchant agreed to reverse the transaction and put the charges on a different card but Citibank refused to release the funds even after confirming with the merchant that the charges were being reversed. In the past when I had this problem Citibank cooperated in doing this but now claims some rule of Mastercard effective XX/XX/XXXX does n't allow them to do this. This is putting me in the same situation of having items returned for insuffcient funds. I WANT TO KNOW IF THERE IS ANY FEDERAL REGULATIONS OR GUIDANCE ON THIS MATTER FROM THE CFPB, COMPTROLLER OF THE CURRENCY, FEDERAL RESERVE OR ANY OTHER STATE OR FEDERAL AGENCY.

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 2016-12-30 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
I have called Citibank several times regarding disputes XXXX and XXXX against XXXX, in addition to providing all the information they have requested in an incredibly timely manner. Three times I have been told that someone from Billing Disputes will call me within 24 hours, three times NO ONE called me. That is incredibly unprofessional. Furthermore, I still have not heard anything about the billing dispute in the amount of XXXX. 
When I look at my Citi statement, I see they provided a conditional credit of XXXX which makes no sense given that the amount in question is XXXX. It ca n't be because of the XXXX dollar XXXX credit that the store claims they gave me because in my first response to this dispute I shared that a XXXX dollar store credit is useless to me as that forces me to shop at the store and I might not need to shop there, and I am not going to buy textbooks I do n't need just to use a credit. That is not an acceptable. Also, if they read my communications I told Citi that XXXX will not let me make any purchases through their website while these disputes are pending, so even if I wanted to use the XXXX credit, I actually ca n't. Had they read my communications, that would all be evident, and they would realize that the XXXX credit is useless and the conditional credit should be in the amount of XXXX. 

I am really disturbed at the lack of attention to detail in these disputes, the lack of response despite Citibank promising several times someone will call me, and no one has and the repeated errors. I spent a lot of time gathering the information their request, I expect you will take the necessary time to read it. 

I gave Citi until Friday XX/XX/XXXX to respond to my last email in writing, either via email or by mail ( but i expect the letter to arrive by XX/XX/XXXX ) to address everything in my letter. No one responded in writing and the amount on the statement continues to be incorrect.

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 2015-10-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Dear Sir or Ma'am, We are experiencing a financial hardship related to having to care for our son who is XXXX, consequently we are not current with our Mortgage with CitiMortgage. We had been able to make payments on line through their website XXXX. 
This morning to our surprise we found that the option to make payments is no longer available and our account locked. This was disappointing and creating more stress to not allowing us to have the opportunity to get our payment done. They advertise " We are here to help you '', however being locked out of our online account prevents us from making our mortgage payment to have a digital fingerprint of our payment. " Sorry you are not eligible to make payment online.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I had the XXXX card so long ago and the account was closed and I want to know wits still showing up on my credit report, should n't it have already been removed ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Seterus, Inc.
State: MS

Complaint narrative:
Now, Seterus is falsely claiming a debt and loan from XXXX. We have and will continually deny this fraudulent debt and loan made by Seterus. Our communication to Seterus was/is very simple ; do not contact us again because you all " Seterus '' is now claiming to have/servicing a Loan from XXXX plus ( XXXX and its affiliates ) are in violations of Federal Laws by continual harassments and threats. Therefore, you all Seterus plus ( XXXX and its affiliates ) need to stop making fraudulent claim about they have a lien on our property and owe a loan through XXXX because Seterus are trying to make a claim and a false foreclosure on my property which lead to defamation of our character. " Allegedly, Seterus plus XXXX, XXXX/ XXXX XXXX , XXXX etc. have committed fraud and continue to do so because they never had a lien on our house from the off-set or the inception of our mortgage ( See attachments ). " See the previous complaints made by us '' Submitted by XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I filed for Chapter XXXX bankruptcy in XX/XX/XXXX. By XX/XX/XXXX, seven years later, I requested the bankruptcy to be removed from the credit report agencies. XXXX complied, but XXXX and XXXX replied that they would hold it for ten years. So in XX/XX/XXXX I renewed the request to remove. To this day, XX/XX/XXXX. The record continues to affect my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Mark A. Kirkorsky, PC
State: AZ

Complaint narrative:
I have been contacted at least three times by phone by the Law Offices XXXX. Each time I have told the caller that I do not owe this debt. I have never lived in XXXX, AZ and I have never owned a business. In XX/XX/2016, I sent the office a certified letter stating that I do not owe this debt ; requested that they mail me documents about this debt ; disputed the debt ; and to stop all communication with me. This harassment began in XX/XX/2016 and has continued to XX/XX/2016. The caller is XXXX XXXX and his tone is threatening and disrespectful.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have submitted a dispute XXXX with TransUnion for a negative account that is listed XXXX on my credit report. It is obvious that there is a mistake because of the matching information ( creditor, account number, individual account, installment account, secured, balance, date opened, pay status, date closed ) on both of these accounts. However, one of the accounts shows that the date opened is XX/XX/2012 and the date closed is XX/XX/2012 which, again, clearly show a mistake since an account ca n't be closed 2 days before it is ever opened! TransUnion supposedly has verified that the account information is correct and both accounts remain on my credit report. This is still inaccurate information and I do n't understand how it can be verified as correct XXXX when it is obviously incorrect if for no other reason than the fact that the open/close dates on one of the accounts listed are not even possible! How can I get this removed if TransUnion claims that the accounts are verified and accurate?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Pacific Union Financial, LLC
State: AR

Complaint narrative:
I have been trying to get a Loan Modification on my home due to loss of job in XXXX when I received original loan and now being full time employed but at a much lower salary. I have repeatedly mailed, emailed paperwork to Pacific Union Financial to continue to be told information is missing, which they find was actually sent when requested, to be told by numerous employees of PUF different stories, letters are in the mail, underwriting has it in there hands should be approved next few days to, today being told my the Rudest of all XXXX in Loss Mitigation that since my appeal letter, my payment has actually gone up. I Am At A Loss and can get no help and no resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Pacific Union Financial, LLC
State: FL

Complaint narrative:
My VA Loan, my mortgage company are taking my escrow and increasing my morgate Payments 15-25 % saying they have sort and illegal XXXX insurance on me even thought I have paid up Insurance already for 12 months, now after money complaint The send me a letter saying that my morgate account Have ecsow surplus now XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
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 2015-04-08 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
My son fell XXXX the dentist insisted we use the Care Card in order for my son to treated originally the cost was XXXX per XXXX but when we returned the cost was the max amount the card had qualified us for. but I tried paying as much as I could a month then I contacted the Card Bank and they agreed to close the account and let me pay off the balance at XXXX a month while making regular payments of an established amount 64.00 $ .Carecard increased payment amount and when they only received 64 $ they added 35 $ fine. They have been adding fee after fee adding it not to the overall balance but to the monthly payment making it very difficult to know exactly how much the payment needs to be and if the amount is not correct they fine you.. so I have been paying on this for quite a few years and they reactivated the account so they could increase the interest and charge more fees. I will pay off the card at the agreed upon amount of XXXX a month the amount should be no more thanXXXXXXXX at this time. However they just keep charging me more. I have contacted several service reps at GE CAPITAL RETAIL BANK/SYNCHRONY BANK

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-20 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
My interest rate with XXXX XXXX XXXX card raised without my knowledge. I sent XXXX a certified letter asking my interest charges back and they never responded. I can submit to you all of the paper work if you wish. I just got off the telephone with XXXX now I was told that I was notified of the interest rate increase. This is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
I have XXXX dogs who at times require vet services. About 3 or so years ago this happened and I could n't pay so I was set up through Care Credit which as it was then only for pet vet care. The bills plus maintenance continued and I have n't been able to get a handle on it. When I have had to use the card the staff at the vets tells me that if my cost is " low '' my interest rate will be high. Like I have a choice. So I am backed in a corner paying {$10000.00} per month but it seems that the interest is more than the bill. Then independently Amazon wanted me to get their credit card which I responded to to get some perk and then I was going to cancel. I think it was the same outfit whic I believe is GE. So when the Amazon clicked on the availability of Care Credit was kaput. I 'm sure I 'm not alone in this. I am shocked that the least of us is penalized the most. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Account Liquidation Services Inc.
State: MN

Complaint narrative:
Describe what happened so we can understand the issue ... Account liquidation has a account that 's in collections that I have disputed twice thats on my XXXX credit report that has been discharge in a chapter XXXX bankruptcy that I filed last year in the state of Mn. 



XXXX, Mn XXXX Re : Acct # To Whom It May Concern : This letter is regarding account # which you claim my account was charged off $ This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Consent to publish the description of what happened? Consent provided This is about a ( n ) Debt collection : Other ( i.e. phone, health club, etc. ) Which of these best describes your issue? False statements or representation : Attempted to collect wrong amount DESIRED RESOLUTION

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