vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-10 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Received Sears Credit Card checks with offer of no interest for 2 years for purchases or balance transfers. There was a mention of a fee for using this service but did not indicate amount. Upon receipt of bill there was a service fee of XXXX % on the balance and then they charged interest on the service fee. No where in the information did it say you would pay interest on the service fee so their offer of no interest on the balance is incorrect. Believe this to be false advertising and excessive charges not disclosed

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-24 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
After 6 months of billing with the Best Buy Citi Bank XXXX, I noticed the " EHN DEBT PROT '' charge on my statement. 

I was charged {$150.00} in 2016, and XXXX this past month ( See Attachments ). 

This is deceptive marketing/enrollment purely engineered to hurt those that set up auto payments to pay off promotional balances based off total charge divided by the term of the promotion. I now have to increase my payment. I WANT A REFUND! 

I 'm disappointing in Best Buy for allowing this, I did see there has been a previous lawsuit and settlement. Clearly this behavior is still going on!

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 2016-05-05 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: ENCORE CAPITAL GROUP INC.
State: DE

Complaint narrative:
I had a debt from XX/XX/XXXX and due to lost of jobs and unemployment I was un able to pay debt. Now in XX/XX/XXXX I get served at my job for payment garnishment for Midland funding llc Creidt card. I did not get served with any court papers to appear in court. I just got a sheriff at my job. I check my credit report every year and this is the first time I have seen a judgement on my report in XX/XX/XXXX. It says it has been on going since XX/XX/XXXX. I look up the court docket papers. I do n't know my rights but something seems to be wrong. I never had this happen. I never had to go to court. I new nothing about it until this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
Unable to reach this company. Reporting a debt on my Credit Report. Had Bankruptcy in 2010. Would like them to validate the debt or remove the negative item from my CR report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Ward Kilduff Mortgage
State: CT

Complaint narrative:
Numerous errors were made throughout the process of the mortgage, and after 6 months of the broker not being able to close the mortgage, we were ready to switch companies and upon 3rd party review were told the way the loan was setup was not even legal and could have never gone through. Ward Kilduff 's owner, as well as the persona we had worked with, promised to cover the appraisal to reconcile a bit for the past issues. The closing documents had the charge for the appraisal included, and when questioned, a promise was made that the check would be at closing, it was not. I was then informed it would be in the mail when the package arrived to their office, again it was not. I contacted them XXXX weeks following and was told it should be out that week. Another two weeks have passed and the mortgage person has not sent the check or attempted to contact me. 

I have recordings of all phone calls, emails, and texts to verify.

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 2015-10-22 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Asset Management Outsourcing, Inc.
State: FL

Complaint narrative:
In XXXX 2009 my personal information was compromised when my car was broken into and my handbag stolen. Since XXXX 2009 a series of accounts have been opened using my personal information this has caused my once great credit to plummet to XXXX. Over the past 18 months I have had creditors collections agents harass me for balance owed to accounts that I know nothing about and my credit is non-existent and my hopes of purchasing a home is in jeopardy because of I am a victim of Identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Aargon Agency, Inc.
State: SC

Complaint narrative:
I keep receiving calls from XXXX. They say they are trying to collect a debt that I incurred from my place of employment, but they do n't know what the acronym for the business means. The person calling is rude and refuses to send me any documentation in regards to the supposed " debt ''. The man that is calling says his name is 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 2015-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
Harris Harris calling us, asking for us to call them. Their # is XXXX. They are a debt collection agency. They do not leave any specific debt we owe. They just give the time for us to call them back during the week. This is their third call. We have not received anything in the mail and we have no outstanding debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Columbia Collection Service, Inc.
State: OR

Complaint narrative:
I just got call from Columbia services / they did not disclose reason and any right to dispute and were asking sensitive personal information without disclosing themselves

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 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: Harris & Harris, Ltd.
State: IL

Complaint narrative:
On XX/XX/2017 I received a voice message for an agent ofHaris & Harris about a debt they claimed I owed. I did not recognize the company or any debt I could owe to them. I checked my credit report and it listed negative information. I sent the company a letter requesting information and have not gotten any responsive

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-05 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TekCollect Inc.
State: AZ

Complaint narrative:
This debt was already paid actually it was paid twice. They took off XXXX credit company, but not this one ... not sure about the XXXX. The debt was paid directly to the company I owed it to, it was for about {$71.00}. I get many calls, many times a day. I did ask them to check into it and they were rather rude. They also told me they would send it to a lawyer and I was threatened with a lawsuit ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Harris & Harris, Ltd.
State: MD

Complaint narrative:
XX/XX/XXXX received discharge of debt. XX/XX/XXXX XXXX intercepts my taxes claiming it was for past loans and XXXX. Even though they sold this account to Harris and Harris in XX/XX/XXXX according to their records I was never notified that I owed a balance to XXXX or any other fee.Therefore not allowing me time to dispute or address any issues.Central collection then sells debt to Harris and Harris an independent collection company. They both was trying to collect the same amount of money.After providing proof of the error XXXX lawyer refuse to speak to me and the employee lawyer refuse to answer my call and address the issues at hand.I have continuously received bills stating the bill is for something else and I continued to dispute all bills..After contacting Harris and Harris and informing them that this debt was discharged they continued to contact and threaten me in regards to this discharged debt.As of today I have not received any remedies from the collection company. I have also requested additional document in which they refuse to provide.These companies have reported to the credit bureaus that I do n't owes these monies in XX/XX/XXXX but continue to try and collect the same monies they stated I do not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CA

Complaint narrative:
My loan is being serviced by Amerisave. In addition to my regular monthly payment, I have been sending {$2000.00} in additional curtailment every month. Each month, Amerisave records the amount as {$120.00}. Each month, I contact them to request it be corrected. The corrections are resulting in wildly erroneous calculations and my outstanding balance is not being calculated correctly.

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 2016-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Caller keeps asking for someone who does n't live here. Told him not to call again. Calls have increased in frequency. Now there is no one on the line when we pick up the receiver

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
I applied for a job as of XX/XX/XXXX and my credit was checked. I was unable to get a job due to my credit report. As of XX/XX/XXXX, my credit cards were abused by someone that was XXXX. I was under the impression that this was deleted from my credit report. I need to know what I can do to have these charges removed from my credit report. I paid off most of the credit cards. As of now, I only have one credit card. I am trying to rebuild my credit. Please advise me what I need to do. I am unable to pay these charges off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-19 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I received an email from Delta Skymiles which offered me a bonus of XXXX miles if I would sign up for their credit card with American Express. I signed up for the card in XX/XX/XXXX, and completed their requirement of charging and paying for {$1000.00} on the card. I had just used XXXX miles on another American Express card in order to purchase a round trip ticket from XXXX to XXXX on XXXX XXXX. Since Delta is now a partner with XXXX XXXX, I assumed I could do the same with these miles. 
In the meantime, XXXX contacted me again and offered that if I would recruit more credit card users they would give me even more free miles, and also would give free miles to the new users. 
Yesterday I tried to go to the website to see how I could use the XXXX miles. Unfortunately, all the urls listed by XXXX in the search were for new people signing up for the card. There was no way on those sites for a credit card holder to log in. After a few minutes I found a place to log in, with my user name and password. I have never seen this practice before, as all other credit cards and bank account web sites have a place for account holders to log in. 

When I went on to the website and tried to transfer the miles to my XXXX XXXX XXXX XXXX account, it told me I was " not eligible '' to do so. I called the contact number and the person who answered told me that it was impossible to transfer miles to another account. Very curious as my other American Express card had that feature, and Sky Miles is part of Delta, which is in turn part of XXXX XXXX and XXXX XXXX. 
Today ( after about 15 minutes searching among the " offering '' websites for SkyMiles for one that would take a log in ) I tried to find out what the XXXX miles would actually buy. Instead of having a section ( as every other card company has ) that explains what kind of flight you can obtain with a certain number of miles, this website required me to actually book a flight. The first time I tried to do so, I was informed that the flight was not available for my miles. I was not told why that was so, and I still had no information on what kind of flight I could get for the miles. When I finally downgraded and changed the booking enough so that it listed a flight, it turned out I would need twice as many miles as needed on my other American Express card, in order to book a much longer and more inconvenient flight with several layovers. 
SkyMiles is still actively advertising their card and offering " special '', and I think they should be prevented from doing so. Their miles are not usable and are worth less, than they are on other credit cards. It is very difficult to access your account information or even to find out the values and utility of the miles. 
In the meantime, I have signed up for a useless card and wasted {$1000.00} charging there when my other card would have yielded miles that were actually useable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: MOHELA
State: TX

Complaint narrative:
I have told them repeatedly NOT to change my repayment plan and they did so, purposely resetting the repayment terms AGAINST my will. They have continually changed the repayment amounts and put in me into a payment plan I ca n't afford. I was told that it would be $ XXXX/month and now it 's over $ XXXX/month and I am unemployed and not receiving any unemployment assistance at all. I have been unable to find a job for six months and have not been able to make a single payment of the same amount for three months in a row without them changing the terms, repayment plan, or repayment amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I currently have a lawsuit pending with Midland Funding/ XXXX XXXX in which they are trying to collect almost double the amount that would have been due to the original creditor. Additionally, they have submitted documentation such as general bills of sale, computer generated account information, robo signed affidavits, etc. These are violations that they were just recently cited for in the CFPB consent order. They have provided no actual business records and the information that they have provided is generally incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-06 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
in XX/XX/XXXX I closed my AMEX account. my balance then was {$32.00} and I paid off that amount on XXXX/XXXX/16. Since then Amex has charged my closed account with purchases and fees for late payments now shown on my credit report of {$710.00}. I made no purchases after closing the account and destroyed the card. I spoke with AMEX fraud dept and now am advised they credited my account with {$500.00} leaving a balance that I do not owe and which will continue to incur late fees. They put me on hold for over 30 minutes and I getno response to my effort to get a XXXX balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-18 00:00:00
Product: Credit card — 
Issue: Other — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
Please reference the initial complaint - Case number : XXXX filed on XXXX/XXXX/2015. This complaint is for HSBC account # 's XXXX XXXX and XXXX and excludes the XXXX XXXX account. HSBC has never responded to the XXXX complaint. HSBC has never responded to my XXXX XXXX, 2015 letter. " Allegedly '' the credit bureaus were able to verify this information with HSBC. 

Bottom line, to date I have not received any verification documents on these accounts. HSBC has exceeded the legally accepted 30 day allotment to verify these accounts. According to the FCRA rules, if a creditor does not verify the debt within 30 days to the debtor, they are not allowed to continue attempting to collect the debt, nor can the creditor list the debt on the consumer 's credit report. 
This is a clear case of unverified debts that need to be removed from my credit files immediately. My only option left is to file suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Back in XX/XX/XXXX I disputed a debt from Midland funding on the account XXXX. Once verification was received I requested the account taken out of dispute. I have sent multiple letters and have made multiple phone calls to remove the dispute and dispute verbiage form my credit report. Each time I am assured the dispute is removed only have it placed back on my credit within two weeks. Each time I call Midland funding I am told the dispute was added due to the credit bureau. So therefore a few weeks ago I had one of the credit bureau 's call three way with me on the phone on a recorded line that Midland should be able to provide. They verified to the credit bureau the account was not in dispute. Yesterday the dispute verbiage showed up again and again Midland told me it was the credit bureau and specifically referenced XXXX. I called and spoke to XXXX at XXXX who confirmed it was not her company that requested it. She then saw all my contacts and suggested I file a formal complain through the FTC. I have been told this is a way to hold my credit hostage to try to get me to pay the debt because the company knows that due to new FHA guidelines a dispute will hold up a closing of a home. This should be an illegal practice. Per XXXX they have once again removed the dispute and I have once again put it in writing for Midland Funding that this account is NOT disputed. We went through a tragic circumstance with my son who is now on hospice and this continued stress inflicted by this company should be dealt with. Thank you very much!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
i took out a new cc from AMEX and explained to the person that i had once had this cc and had cancelled it. i asked if the bonus of spending {$1000.00} and receiving {$100.00} back would still be honored. He assured me it would. i received the card, called back and was told that they would not honor it. I gave them the name of the rep and the date and time of the call which he said was recorded and i have never heard from them although i called XXXX times already.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: AMERICAN EXPRESS COMPANY
State: DE

Complaint narrative:
I was issued a credit card from Amex with a minimal credit line. When I was told what the credit line was, I immediately reached out to their new accounts department. After being transferred around several times and on hold for 90 minutes I finally reached " the right area '' here I was advised that I can have my line reconsidered once I get my card, with a soft pull of my credit report. I was only advised this after I stated I wanted to cancel the account if I ca n't be reconsidered for a higher line. When I called back two days later ( when I received my card ) I was told my account has to be open for greater then 60 days to ask for a increase which may or may not place another inquiry on my credit report. Basically I was lied to and misled on that first call

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
XXXX American Express credit cards are the issue : A. Account Ending :XXXX. Account Ending : XXXX. Account Ending XXXX AX never investigated my side of the complaint regarding XXXX. AX even did not review the documents I sent. AX simply just accepted XXXX argument. 
Although I closed the account but AX continues requesting to send them more documents. 
AX did not credit the account with the disputed sum. The day they credit my account AX debited the account the same day. 

B.Account Ending XXXX : A month and a half after filing a dispute I was told that the supplier did not respond and a note will be sent to him. I called again on XXXX/XXXX/2015 to find out that AX lied and the supplier Affordable had sent his answer but AX failed to forward it to me and as a result AX accepted the supplier explanation and closed the dispute without notifying me. In other wards they accepted the supplier explanation without my rebuttal. AX is violating the Fair Credit Act and The Truth in Lending Act at the same time by automatically siding with the supplier although the Card Holder is the one to prevail if AX would review the Card Holder 's explanation of the dispute. 
I am ready to supply all the documents related to my AX XXXX disputes for review by FTC or other government office.

Company response to consumer: Closed with monetary relief