vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-23 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY
State: NH

Complaint narrative:
To induce providing my physical address, AMEX suspended my unsecured credit card account to " comply with new government guidelines ''. AMEX promised on taped calls that my physical address would go nowhere, and my mailing address would not change. 

After an Order of Protection on my ex-husband, and a career reducing hacker crime on financial systems - not publishing my physical location for database auto-replication is basic self-protection. 

XXXX USPS forwarding protection breaches required multiple moves, as my physical address would " magically '' get updated across multiple non-USPS databases. I was thankful to find my rights to not register my physical address with the USPS. 

Now, 1 week after yielding my physical address to AMEX, I 'm getting snail mail from the XXXX XXXX XXXX ( to whom I 've never given my physical address ), and XXXX XXXX XXXX XXXX ads with invalid callback phone numbers for someone who has never lived at my address ( probably by a cyber-criminal working to undercut me with identity theft ). 

I appreciate AMEX will say that AMEX " had to have it, because the government made them '' - and that I can not really prove they were the source of the breached data. XXXX and XXXX XXXX XXXX will say my address was certainly obtained through some legal means from some 3rd Party they can not find/reveal. But, I am recording my concern with the CFPB to understand the tightly-wound ( and hopefully unintentioned ) results of empowering credit card companies to do things like suspend credit access to force location information into government financial programs via data-sharing. 

No one is going to be left to protect others digitally, if it is made so easy to allow hackers and other self-interested commercial parties to harm us and others in accountability verification roles.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-11 00:00:00
Product: Credit card — 
Issue: Privacy — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Insufficient Response to American Express : # XXXX American Express and XXXX : # XXXX American Express is in possession of our power of attorney. We faxed it in per their consumer representative. Another customer representative said to mail hard copies to XXXX ( representing itself as American Express ). Now we have a letter claiming American Express and XXXX are partners and we have to now notarize the letter. We have received no notice of assignment to a third party debt collector like XXXX and there is no company called American Express/XXXX. Please have American Express forward their contract where it permits them to interact with other companies on our account. Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I HAD A CREDIT BALANCE ON MY AMERICAN EXPRESS CARD FOR AMOUNT OF {$21.00} AS PER XX/XX/2016. I CALLED CUSTOMER SERVICE ON XX/XX/2016 & SPOKE TO XXXX XXXX . I REQUESTED HIM FOR REFUND CHECK FOR {$21.00}. TODAY, I RECEIVED STATEMENT OF THIS CREDIT CARD WHICH CLOSE ON XX/XX/2016. I DID NOT GET MY CHECK. CUSTOMER SERVICE OF AMERICAN EXPRESS IS VERY BAD & UNTRUSTWORTHY. IT IS NOT FAIR THAT THEY HAVE ALL THE RIGHTS TO COLLECT LATE FEE, INTEREST & REPORT TO CREDIT BUREAU. THEY SHOULD BE EQUALLY PENALIZE AS THEY DO WITH CUSTOMER. THEIR CUSTOMER SERVICE IS IN XXXX & THEY DO NOT HAVE ANY RESPECT FOR AMERICAN CUSTOMER.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-09 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: TX

Complaint narrative:
During the CFPB investigation ( XXXX ) Midland Credit Management Inc. / Midland Funding LLC ; Admits the alleged debt they reported on my credit report and attempted to collect ( post ) XXXX/XXXX/2013 ; The date they claim it was sold to XXXX XXXX. Proving they had to right to report or attempt to collect the alleged debt they did not own. They need to remove that alleged debt from my credit report ( s ). Or if XXXX XXXX is a subsidiary of Midland Credit Management Inc. they need to provide the legal documentation they ( own ) the alleged date ( Bill of Sell, Affidavit from original creditor verifying the Bill of Sell, and contract or agreement with my signature ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XXXX XXXX 2015 I submitted a bill pay for {$2000.00} from my bluebird account to an account at XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX returned the money on XXXX XXXX 2015 as it was going into a non-like titled account and they did not want to allow it. It has now been 42 days and the money has still not been credited back to my account even though I have provided the trace ID of the returned funds to American Express multiple times as well as escalated the issue multiple times.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-12 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: CT

Complaint narrative:
I have asked Midland Funding to validate a collection they are reporting on my credit reports on XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19 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: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
XXXX XXXX XXXX was requested to come to house to service a XXXX range top under guarantee, the Tech was very rude and we asked him to leave our home. A few weeks later we received a bill fron XXXX, we thought it was a mistake as XXXX had sent them. We were finally placed on collection, we contacted XXXX and paid the bill over XXXX months ago. We are still receiving letter from Transworld Systems Inc. We would like to complain about Both company. 
I had called XXXX times Appliance Service asking them to be removed from the list of debtor with no success. 
Thank youXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I have been receiving collection letters from a collection agency called " XXXX XXXX '' for a debt that I have not availed ( from Speedy Cash ). I suspect that either the debt was fraudulently obtained using my information, or the collection agency is fraudulently trying to collect a fictitious debt. 

This debt has been reported to credit rating agencies and is severely impairing my credit score/history. 

I have filed a police report with local county office, and they asked me to follow up with CFPB ; hence this report. 

I would urge you to investigate both XXXX XXXX and Speedy Cash as to the origins of these collection letters.

Company response to consumer: Closed
Consumer complaint received 2015-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: TRANSWORLD SYSTEMS INC
State: CO

Complaint narrative:
I believe XXXX, representing XXXX XXXX XXXX, knowingly pursued a judgement against me that was past the statue of limitations in Colorado. In addition, the proof of service filed with the court was fraudulent and may have been fabricated. They have not provided me proof of service as I have requested twice in writing. There is no judgment or other indication of collection efforts on my credit report as required by the Fair Credit Reporting Act. They refuse to supply me with debt verification, hence I can only conclude that the lawsuit was filed and judgement was obtained illegally. The firm is claiming that I waived the statute of limitations by failing to file an answer prior to judgement. However, due to both their failure to serve me & my ignorance of civil procedure at the time, I did not have the opportunity exercise my right to defend myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: AMERICAN EXPRESS COMPANY
State: NE

Complaint narrative:
I have a bluebird american express card purchased at XXXX. My account has been frozen and is under review. I was told this process would be completed in four business days. I called to check the status on this at least 4 times. Each time I was told 4 business days. I called back on the 4th day and was told i would get an answer by the end of the day. What time was considered the end of the day could not be provided by the agent. I heard nothing and called back again. I was then told it would be 5 business days. the agent said i was provided the wrong timing. How could that be XXXX different times by XXXX different people? I got the same answer that I was provided the wrong information and I would get an email about the status of my account. I called back the next day to check again. I was told an agent called me and did not get an answer so I would have to wait two more business days to get another call from them. I told the agent I was informed I would be contacted by email and that I was at work at the time I could n't answer the phone why do I have to wait two more days. A supervisor then got on the phone and said she would check and see what the next step was and she would call me back by XXXX eastern time. I got a call back at exactly XXXX XXXX and was told again they did not know the status and could not provide me any timing. I asked if there was someone in this mysterious backroom I could speak with. I asked if they needed more information or was there anything I could do to get an answer and my funds released. The answer was " the backroom office is unavailable and they are closed now anyway. I feel like this person waited to call me back until there was nobody else to speak with because they had all gone home. My payroll check is deposited on this account and my children have been at home alone for this amount of time because I did not have the money to get home to them, I also have been sleeping in my car because of this hold that nobody seems to be able to explain. I work hard for my money and it is too late for my payroll check to be deposited to a different account. I have now had to miss my children and their activities as well as being forced to sleep in my car due to this conflict of information and lack of an explanation for the hold on my account. The last answer I received at this time is " All the supervisors know my situation and when they hear from the backroom about the status of my account or what steps to take they will contact me. '' I asked when I might expect something and the answer was. " I ca n't provide timing, we are waiting to hear from the backroom. '' I feel like I have been getting the run around and want the company to be honest and forthcoming with information. I have no problem providing any information needed in order to get my paycheck.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
I do n't know what transworld inc debt is from. 
I would like more information due to the continued increase in interest on that account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I have a Bank of America mortgage that was originated in XX/XX/XXXX. It is an FHA loan that was modified in XXXX XXXX. 

I recently applied for a Reverse Mortgage and learned that BOA has placed XXXX liens on my property ... XXXX of which are duplicates of the original loan modification. There should only be XXXX lien, but BOA sent the exact paperwork to the Clerk and Recorder 's office in XXXX, Colorado on 3 different occasions over a 6 month period. 

I can not proceed with the reverse mortgage until these duplicate liens have been removed. 
On XXXX I spoke to XXXX at BOA who told me that she would call me on Tuesday, XXXX XXXX with a status report. She did not call. I called Bank of America on XXXX XXXX and talked to XXXX, who emailed XXXX about the status. XXXX reported that XXXX stated that the department for BOA that handles such matters had nor responded within the required 48hours so her supervisor was now making request and that she would call by XXXX XXXX. Again no call. I called BOA on Friday, XXXX XXXX and spoke with XXXX. He told me that he was forwarding my concerns to my loan manager XXXX in XXXX XXXX and that he was again emailing XXXX for status. He told me that either XXXX or XXXX would be calling me on Friday and that if they did not, that he would call me. NO ONE CALLED. 
I can not proceed with the reverse mortgage until this is resolved. HELP

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 non-monetary relief
Consumer complaint received 2016-04-06 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TENET HEALTHCARE CORPORATION
State: NE

Complaint narrative:
I have not been contacted by this collections company ; however they are on my credit report. They have been in legal trouble with the federal government for this exact same thing before. This medical debt is not mine and they are using XXXX different company names for the same " debt. '' Central Financial Control on XXXX and Syndicated Office Systems on XXXX. False debt, no contact with me, yet they are on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
Twice in three days, my entire online account with Bank of America has been locked due to " the number of attempts to sign in exceeded the number allowed. '' However, none of these attempts were made by me. Each time, I received an e-mail from Bank of America saying that if these attempts were not me, I should call the XXXX number provided in the e-mail immediately. Upon calling the XXXX number, I was told by Bank of America that there was nothing to worry about, and I should just simply reset my password. I told Bank of America that I am worried because someone of something is trying to access my banking information. Additionally, I think Bank of America is also concerned ( or at least should be ) because I was sent an e-mail from Bank of America saying " Your security is important to us. If you are not aware of this situation, please contact us immediately at XXXX. '' I went on to tell Bank of America that if my security was indeed important to you, then help me understand more information about who or what is trying to access my most private of banking information. Unfortunately, Bank of America again just informed me that I had nothing to worry about, and that I should simply reset my password and move on. I again pressed Bank of America for additional information. I said you clearly know that there were attempts to log into my account that were not me, so you have additional information, and I would like that information. If you ca n't provide me with any information, can you put me on the phone with someone, maybe a supervisor, who can. Again, Bank of America simply told me not to worry and move on. In XXXX cases, I then asked Bank of America to notate my account that I was extremely concerned that someone or something was trying to get information about my banking, including a mortgage, checking account, savings account, and credit card, and I would request that a supervisor call me back within 24 hours. In XXXX cases, Bank of America told me that they notated the account, and that a supervisor would call me back. I have yet to hear from a supervisor, or anyone from Bank of America for that matter.

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 2015-08-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI

Complaint narrative:
I refinanced my mortgage with Bank of America paying off a mortgage with Bank of America on the same property, my residence. Because of their delay and mishandling of the transaction. my new loan closed with costs different from what was disclosed to me. As a result, I paid on both the old and the new loan for a period of XXXX months. My new mortgage was closed on XXXX/XXXX/15 but the old loan was not paid off until XXXX/XXXX/15. Requiring me to make payments on XXXX loans at the same time. Being charge with interest on XXXX loans at the same time. My efforts to contact both the servicing people regarding the old loan or the processing people on the new loan has dead ended. At this point, no one is responding or taking responsibility to correct this error.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I was funneled into payment plans that did not include the ability to pay according to my income. Consequently, I defaulted because I could not pay the minimum due each month so eventually, when I was a specific amount overdue, I defaulted.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
XXXX XXXX is in charge of my private loans. I am back in school after a period of not being in school ( at which point I was paying a forbearance fee ). Therefore I am eligible for an in school deferment, my deferment will kick in as soon as my school, XXXX in XXXX, Maryland sends the deferment form to XXXX XXXX, however they wait a certain time period before the send it in ( perhaps to ensure the student stays in school over a certain time period? ). Anyways, XXXX XXXX is calling me 3-4 times a day even though I have told them this two or three times. They are also calling my mother three times a day, I consider this highly inappropriate and harassment at this point because we have always paid ( interest, forbearance, etc ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30 00:00:00
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
They are making more than XXXX calls a day to our home. They have contacted me at work when I 've told them not to because I could lose my job. They also have called our neighbors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-17 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
XX/XX/XXXX, I 've noticed that even though I have been paying more than my minimum payment amount and paying it on time, my balance was slow to go down. When I checked my account, I noticed that my fixed interest rate of 10.99 % ( since XX/XX/XXXX ) was moved to an interest rate of 11.15 % variable. I called Bank of America to ask why my interest rate was switched from a fixed to a variable when I have never not paid my bill, always paid more than the minimum amount and always paid on the due date, Bank of America told me they just did it to me. I asked them was n't that against the law, especially since they never even notified me of hiking up my rate? They apologized and acknowledged that they never notified me and will now send out something to me in the mail. Is this legal? Can they get away with stealing my money like this? I need help in resolving this. Bank of America can not just switch my fixed APR from 10.99 % to a variable, when I did nothing wrong.

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 2017-02-01 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I had a private loan that I took out in XX/XX/XXXX the maturity date was XX/XX/XXXX. It is now XX/XX/XXXX and they are trying to collect. Under the statute of limitations in California they only had 4 years to collect and failed to do so. Additionally I filed a chpt XXXX bankruptcy in XX/XX/XXXX and that loan was discharged b/c my school lost fed funding and we were required to take private loans-this is a reason these loans can be discharged. All other private loan vendors accepted this but not navient and they are hounding me incessantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10 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: CO

Complaint narrative:
This is a XXXX account that was paid. Upon initial service they installed a defective channel box that was not compatible with my broadband internet service. About a week later the technician came out and replaced the defective box with a new one and he took the defective box with him. A couple days later I received a XXXX box with a shipping label. I called them and they told me to send the channel box back to them and I told them I was a new customer. They then billed me for the defective box. I made many attempts to settle the situation with no success. I notified them that they were in default of contract and I terminated service and then sent the remaining channel box and all equipment back to them. I have all the documentation to verify my statements are true and correct. You may reach me at XXXX direct or XXXX office or XXXX.

Company response to consumer: Closed with explanation