vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have been Hustling to try to get this HAMP modification with BOA sence XXXX, they pull every trick in the book, they are very good at there game, I am extreamily tired, they are winning this battle to foreclose on my home because the CFPB are not making them play by the rules, they say they sent me a HAMP modification in XXXX, it had the partners name ( XXXX XXXX ) on every page, like he was applying for the modification as well, we split up in XXXX, I had him arrested for XXXX & XXXX to XXXX me as well.every time they send me anything at all it says Dear XXXX XXXX XXXX and XXXX XXXX.They have a capy or XXXX copies of the Special waranty Deed from XXXX county court house, signed by him too. The payment was already late when they sent me the payment book. 
When is this ever going to end.I must have a home not a apartment to keep visitations with my son who is XXXX, Please Help. XXXX tell me what I can do, Im tired but will never stio fighting to keep my home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
For the past several months, I have been disputing several inaccuracies that are Listed in my credit report I have written three letters to the credit bureaus in which I requested these inaccuracies be removed. 
Unfortunately, the credit bureaus have refused to comply with my requests. The inaccuracies are as : -XXXX account ending XXXX ( they are saying late on XXXX and XX/XX/XXXX which was for another account which were open on XX/XX/XXXX ( never receive a statement for that account until I contact them ), the account ending XXXX was receive less than 1 year ago??? 
-XXXX ( balance {$62000.00} ) late XX/XX/XXXX : I was not receiving a statement at that time and never late

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
In my original dispute regarding Navient, I indicated that I wanted promissory notes and was given one and then my direct loans application. In the response from the company, they indicated I also requested to consolidate a XXXX loan when on the application it clearly states that loan under loans I do not want to consolidate. I still do n't see my promissory notes with totals for what was actually consolidated other than my application which appears to have been processed incorrectly because they notes I consolidated a loan I did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
XXXX had put me on collection for the amount of {$480.00}, in which I called to canceled the services prior moving back in 2011. Paying last month of service and was told that I do not owe anything. Now the account is in collection for quite sometime now.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
XXXX years ago Notice of Rescission was submitted to Decision XXXX company within the XXXX day window. 
Decision XXXX sold the note and mortgage to XXXX. XXXX foreclosed on the property and sold the property to a person. Said person had XXXX XXXX the persons living in said home, the home owners of record. An act that disregarded the US Supreme Court in XXXX decission.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
They have failed to work with me period. I cant afford the payments and all i get is threats and no help. They are naveint

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-29 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
While I was on the phone with a representative of Bank of America, I was attempting to link my credit card to my DDA/Savings online banking profile. The representative, XXXX, requested my social security number, and it was provided. XXXX stated that my social security number only displayed the credit card account. By deductive reasoning, this obviously indicates that my social security number is not contained in Bank of America 's records for my DDA/Savings accounts, which they are required to collect at account opening. They should have this information on file, but have stated that they do not. 

In a separate but additional complaint, I was assessed a {$10.00} overdraft protection transfer fee on XXXX/XXXX/15 but my account did not and would not have had a negative balance had the overdraft protection not been applied. As shown in the provided supporting documentation, with the exclusion of the {$11.00} overdraft protection transfer, my account balances at any point on XXXX/XXXX/15 would have been a positive balance. In addition, making a {$11.00} transfer to cover an overdraft and on the same day assessing a {$10.00} fee, netting " protection '' of just {$1.00} seems quite predatory on consumers, especially considering in this case my account would not have even been overdrawn.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-14 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I used to have a secured card with Bk Of America who balance is XXXX and was supposed to be closed and still showing on all XXXX credits reports.

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 2016-09-12 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Dear CFPB, I had my mortgage with Bank of America, but I have not been receiving any type of notification from them for a many years now. I have called the Bank of America many times to resolve this matter, but unfortunately I was told that I no longer have a mortgage with Bank of America. I found out that my mortgage has been moved to XXXX XXXX. I never authorized this transfer nor requested the Bank of America to make any changes to my mortgage. There was no service transfer notification, nor any form of notification that this transfer has been made. I wish I can find more information but I am not able to receive any information from both XXXX XXXX & Bank of America until now. I spoke to many different representatives for many times from different department, but I am not able to find any information regarding my mortgage. Now when I ran my credit report, I saw many delinquent payment notices on my report from Bank of America. This is very unfair and I do n't know whom I can speak to to resolve this matter. Because of this ridiculous happening, I am not able to file a modification nor enroll for any financial help programs. I do not want to lose my home, but there is nothing I can do because of those delinquency notices on my credit report. 
Please help me to resolve this matter. I am very worried and lost at this point because I feel like the banks have used my personal information without my consent or authorization to make these changes and I am not able to receive any information from those banks. Once again, I never requested any changes or transfer, never late on my payments, and I do not want to lose my home. 

Thank you,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
It was very difficult to pay my loan due to hardship times and when I would call they would not work with me at all. All they would say is " we would garnish your wages ''. So now I had no choice but to dip into my XXXX to pay my loan off with sallie mae.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My banking records were subpoenaed from Bank of America, by XXXX XXXX XXXX XXXX. The attorney illegally pulled records, in an effort to track down my personal information. According to XXXX court records there is no judgement against me. In fact, the writ of execution has been rejected several times, with the latest being as recent as XXXX XXXX, 2016. So how were XXXX XXXX XXXX able to subpoena bank records? Court documents show that each attorney has moved the process to XXXX different courts, over 7 years, in an attempt to illegally carry out their collection process with incomplete court papers. XXXX XXXX XXXX do not represent XXXX, does not have proper documentation to subpoena bank records and does not have a judgement pending against me. 
What 's worse, Bank of America mailed the subpoena to me on XXXX/XXXX/16, according to metered stamp envelope. It was received on XXXX ( Sat ) and the papers were released to XXXX XXXX XXXX on XXXX/XXXX/16, according to bank 's representative who spoke with the bank 's legal team member. I had only XXXX working day ( XXXX ) to refute when I am leglly allowed XXXX business days.I was not able to speak to the bank 's legal dept which is a rule that needs to be changed and made the issue more complication that it was. I needed accurate information and be able to hold someone accountable for the informaton given.

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 2015-06-01 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: CA

Complaint narrative:
XXXX 2014 I ran my credit at my bank and had accounts listed that were not mines so the banker told me it was identity theft she advised me to call the police department so I did and spoke to an officer we went over all accounts he told me to wait a few days and come to police station to pick up a police report with all accounts listed and submit a copy to each credit bureau so I did but nothing happen so at this point I 'm trying to restore my good name and credit I need these accounts removed from my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-07 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: NH

Complaint narrative:
Transworld Systems Inc., at XXXX XXXX XXXX, XXXX, NY XXXX has been persistently attempting to collect a debt that I do now owe. The amount they are attempting to collect is {$120.00} for services rendered by XXXX, a medical services company. I have paid this with my Flexible Spending account. I have provided Transworld Systems the payment processing date ( XX/XX/2015 ), payment ID, and transaction number. They have not responded other than trying to collect the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-08 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I had an American Express Gold card linked to a MR ( Membership Rewards ) account. In time I also got an American Express Everyday card and linked it to the same account. The MR account had a balance of around XXXX miles. 

I subsequently closed my Gold card. That is when the nightmare with Amex started, they closed my MR account as well stealing all XXXX of my points. I had to book a few air tickets which I was hoping to book using these miles but was not able to. In the meantime I travelled to XXXX and forgot about my misery. 

I returned and had to struggle to reinstate my account. Amex offered no explanation or compensation for not having my miles available to me when I needed to redeem them. I asked for compensation which was summarily ignored. 

I however noticed another issue, as per the contract of my Amex Everyday card, I was to receive XXXX points upon using the card to make {$1000.00} in purchases during the 1st 90 days. I completed these purchases, however again my points are not awarded to me. 

The Amex Membership Rewards department chooses to ignore all my tickets, I have escalated multiple times to managers who dont call back and the issue is still ongoing 3 months after it should have been resolved. I must have XXXX tickets filed for escalation and the MR department just never calls or tries to resolve them. 

I would like for Amex to acknowledge its errors and apologise in writing for closing my MR account without warning and for not making available my points for redemption when I needed them. 

I would also like for them to reimburse me the XXXX points I am legally entitled to immediately. 

I would also like for them to compensate me for : 1. Hardship caused to me due to all their errors. 
2. Not making my points available for redemption when I needed them 3. Making me run from pillar to post to claim something which I am legally entitled to as per contact.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-05 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: GVA Holdings, LLC
State: MD

Complaint narrative:
I saw a XXXX XXXX commercial on television for a payday loan. 

I borrowed {$1500.00} from GreenLine Loans in XXXX 2014 to meet my XXXX XXXX, 2014 Federal Tax extension. I made XXXX payments. The first XXXX were scheduled for {$99.00} each. This was every two weeks. 

On my XXXX scheduled repayment day, I asked to pay off the balance in full. I ended up paying {$2200.00} to settle the debt that was less than 30 days old. They charged me {$750.00} in finance charges and did not disclose that to me when I made the loan. 

My weekly payments were as follows : ( emails from Greenline ) XXXX XXXX Your next payment of XXXX is scheduled to process on XXXX XXXX, 2014 If you have any questions, please call XXXX. 

XXXX XXXX Your next payment of XXXX is scheduled to process on XXXX XXXX, 2014 If you have any questions, please call XXXX. 

{$750.00} finance charge for a 30 day loan of {$1500.00}! 

Customer Service Greenline Loans XXXX XXXX. XXXX XXXX XXXX, MT XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
XXXX XXXX contacted me regarding a charged off HSBC. I advised the collector that I did not believe the debt was collectible because it was already charged off. I requested debt validation via phone, fax, and mail. I never received anything and they stopped contacting me. They then obtained a default judgement. I was never served. They never validated the debt. My paycheck was garnished and when I contacted my employer I was notified that my paycheck would garnished for 25 % until the debt to XXXX XXXX XXXX is paid. I contacted XXXX XXXX at XXXX XXXX XXXX and she said I owed {$1700.00} as of XXXX XXXX, 2015 and interest was still accruing. I asked her to validate the debt and she advised me it was from a XXXX XXXX collection on an HSBC account ending in XXXX. I advised her that XXXX XXXX never validated the debt and demanded that XXXX XXXX XXXX validate the debt, in writing, and asked how they received a garnishment order without a court order. She said it was public record. I asked her to forward me a copy of the judgement. She declined. I have medical issues that are exacerbated by stress and I just wanted to be done with this nightmare. I offered {$1000.00} but she declined and countered with {$1200.00}. ( The most I have ever owed HSBC was {$630.00}. ) I agreed and offered to pay with a debit card. She refused and said she HAD to have my checking account routing and account number in order to make the agreement. Against my better judgement, I contacted my bank for the routing number and discovered {$820.00} had already been garnished from my paycheck. I called XXXX back and asked her to draft a written agreement that the account would be paid in full once the remaining {$430.00} was paid. She refused, saying that the amount garnished does not affect the {$1200.00} settlement amount. I refused to give her the checking information and she said they would continue with the garnishment. To date, my wages are being garnished, the debt has not been validated, the actual amount owed is unknown, I 'm not even sure it is my account, and I do n't know how they got a judgement without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Collection was allegedly purchased by Midland Funding. On XX/XX/XXXX, {$1200.00} collection was removed from credit file after dispute through credit bureau. Received letter in mail dated XX/XX/XXXX in an attempt to collect {$1900.00} with monthly payments. XXXX online requests have been made to Midland since letter with ZERO response!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MA

Complaint narrative:
On XX/XX/XXXX, my wife and I took a mortgage with HFC, now HSBC, which included a life insurance policy payment of {$120.00} covering both myself and my wife which was included and paid to HSBC in XXXX check with each bi-monthly mortgage payment. A total of {$940.00} ( every 2 weeks ). I could have taken a widow 's benefit on my pension, but it would have been a more costly deduction. On XX/XX/XXXX received a cancellation notice from a Co. named XXXX XXXX XXXX. of XXXX stating that as of XX/XX/XXXX my policy would be canceled. Upon calling HSBC at XXXX, I was told that they transferred my policy to XXXX in XX/XX/XXXX, as they did not handle insurance since than and that I was notified of that change. I was never notified. In fact, according to there web site ( XXXX ), they still sell insurance. I have always sent my insurance payment included with my mortgage payment every 2 weeks to HSBC. I was never told anything different. This not the first time that I have had problems with HSBC. A number of years ago filed a complaint with the state of XXXX after I had filed for bankruptcy which did NOT include my mortgage. HSBC stopped automatic withdrawal of my payments ( mortgage and insurance ) from my checking account, stopped paper billing, denied me access to their web site and changed my account number all without notifying me. After some time the state was able to correct these issues and returned my good standing with HSBC, although I still have to arrange for my bank to send the bi-monthly payments including the insurance made payable to HSBC, which thy have accepted and cashed and continue to do so. I think that I may have been canceled because HSBC may not have been sending the payments to XXXX. I have talked wit XXXX and they will not give that info or a reason why we have been canceled. I have made payments every XXXX weeks since XXXX of XXXX. On a premium stand point, I should be paid way ahead as I am with my mortgage. This Policy was supposed to be like a nest egg to incase one of us died the other would not have to sell the house unless they wanted to.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-07 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I contacted Midland Funding in XXXX 2015 and asked for proof of ownership of the indicated debt. Midland funding has yet to send me the requested documentation or put the account in dispute status. I want it removed from my report. I do n't see how they can just show up on my report and not provide the requested information. I have several copies of my report and they were not showing in previous years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Credit Management , Inc . continued to contact me even after I sent a Federal Cease and Desist letter.They made several calls to my cell phone ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
Received correspondence from XXXX on XXXX/XXXX/15 stating they are attempting to collect a debt for Midland Funding LLC. Responded via certified letter to XXXX requesting validation of debt be sent to my residence. Received response on XXXX/XXXX/15. Did not receive proper validation of debt, however. Responded via certified letter, again, to send me proper validation of the debt. Received notice today that XXXX has filed suit on this debt without providing proper validation of the debt to me. Therefore I will be forced to hire an attorney, at my expense to defend this unsubstantiated lawsuit.

Company response to consumer: Closed with non-monetary relief