vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Ad Astra Recovery Services Inc
State: NV

Complaint narrative:
Opened up a loan at XXXX XXXX # XXXX in XXXX in XXXX XXXX, NV. 

File # XXXX, {$1200.00} pay day loan from XXXX XXXX Made all my payments on time, until my hard ship trifecta. 

1 ) Fell behind on my bills due to hospitalazation with a XXXX XXXX XXXX bite on my lower left leg. 

2 ) XXXX XXXX on left knee. 
XXXX XXXX on left knee, XXXX XXXX XXXX removal left knee. 
Performed by XXXX XXXX XXXX XXXX. XXXX & XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV. XXXX XXXX ) XXXX XXXX XXXX XXXX Black exterior, Grey interior Vin # ending in XXXX, Purchased new in XXXX  from XXXX XXXX XXXX XXXX XXXX, Illinois Needed mechanical repair from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Nevada XXXX Unable to afford repair bill, my vehicle was auctioned off after 30 days no payment, @ XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
The problem with the company is I have paid what they told me to pay at the beginning of the instalment loan. I have paid the amount they requested but they kept on withdrawing my bank account and added interest. After I spoke with several of the representatives and bot abke to resolve the issue they put a balance that should not have been there in the first place on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Sortis Financial, Inc.
State: AL

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX The problem Im having, from the beginning of this loan, i have been told several different things, ok so, it was told to me on several occasions by the employee from XXXX that my daily interest was XXXX cents a day, but now that my loan as matured my account is occurring more fees and my payoff within XXXX weeks has occurred XXXX worth of fees and when i ask what was the other fees besides the daily occurrence fees they say its a computer generated fee they dont know the break down of to tell me exactly what Im been charged, can someone please email me at XXXX or called me at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Direct Recovery Services, LLC
State: MS

Complaint narrative:
I received a call from my son today ( XX/XX/18 ), who lives in a different state and has no ties to my finances, asking why he was receiving a phone call about an {$800.00} debt I owed! XXXX XXXX XXXX uses a taped calling program that states " if you aren't _______ then please hang up. '' But most people are curious and will go on and listen anyway. This call released information that they were trying to collect a debt of {$800.00} and then proceeded to give information on how to pay it. 
This is NOT the way debt collectors should be allowed to communicate with those who owe a debt. This is wrong in every sense. I understand I owe the debt, but I do not have a job and was in a horrific accident months ago that has rendered me unemployable at the time. I do not expect ANYONE to contact people with information that can be damaging to them. This is just wrong that this company, or any company can release information about others under the notion they are doing it legally. This is embarrassing, harmful and can have devastating effects for consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Advantage Collection Professionals, Inc.
State: KY

Complaint narrative:
today XX/XX/XXXX advantage collection professionals called me stating I owed over 1300 hundred dollars from where I had XXXX  in XX/XX/XXXX. I called XXXX XXXX XXXX in XXXX ky XX/XX/XXXX XXXX looked at my file and said I owed nothing to them, that if I did owe anything not paid the business office would contact me before a debt collector. So then I called XXXX XXXX which I paid off the rest of my eye bill XX/XX/XXXX of XXXX. They put a note that bill was paid in full and no balance owed on that card. Not sure if this is a scam or what just want it sorted out. XXXX was paid in XXXX and XXXX was charged on XXXX XXXX which I have already paid off in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I was on a XXXX  repayment plan through Navient. In the past few years I have been able to finally make solid monthly payments. However, I kept seeing late fees on all my payments. I called and they told me that my XXXX repayment option was over and I now have to pay {$430.00} a month. I can not afford that! Where did that arbitrary number come from? The Navient agent could not help me and I could not understand her anyway. I completed my FSA Id process and took a look at my account and it states that I owe {$130000.00}! I almost threw up. I owe {$69000.00}! What is going on? This is so misleading and now I understand that the CFPB is being gutted by our government in favor of loan servicers like Navient. Nothing about this seems right and I feel like I am being scammed. I would rather default on the loans so I can retain a lawyer and protect myself. Is this what its come to now? I need help desperately. I never had these issues when XXXX XXXX was servicing my loan. Can someone please contact me?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I submitted emailed to the companies, I disputed the inquiries the week of XX/XX/XXXX over the phone. I have not received a response from at all. The Credit Buteas responded Inquiries are factual record of file access. If you believe the This was unauthorized please contact the creditor. When I reached out to the creditors they advise me to contact the Credit Bureaus. This is running me into a circle. The inquiries are as follows Experian XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX CR XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Bank XXXX XX/XX/XXXX XXXX XXXX Bank XX/XX/XXXX XXXX XXXX Bank XX/XX/XXXX The FCRA 623 and 611 state that any information can be disputed and must be investigated. I received a response from my call with the credit Bureas less that 8 days from the date of my dispute. One can only assume no investigation was completed. I also requested that an address be removed from my credit report on XXXX the same week the first week of XXXX. I have never lived there ever. I have lived in my home for almost 11 years. The representative advised she would remove the address. I viewed my XXXX XXXX report yesterday XX/XX/XXXX and the address was added back without them advising me. The address begins with XXXX. This is not XXXX has never been my address. They added it back without my knowledge. I called today XX/XX/XXXX and a Reps was argumentative about the address and indicated shes open a dispute. My concerns is why was the address added back if it was invalid and when was I going to be notified. I have never lived there. This is causing undue stress as I plan to purchase a home later this year and this amount of inquiries would flag as a person having financial trouble. The incorrect address is concerning because its risking my personal information or mail being sent to someone elses home

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 2018-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My account was abruptly closed on XX/XX/XXXX. I didnt find out until I tried to access my account and I had my direct deposited check from my job sent to that closed account. I called Citibank and they told me Id have to wait until the closed account is finalized on XX/XX/XXXX and my check would arrive by mail 5-10 business days later. I called back XX/XX/XXXX and they told me it will definitely arrive between XX/XX/XXXX and XX/XX/XXXX so I wait it out and I call back and tell them I still have not received it and they sent a request to have it reissued and expedited. I spoke with 7-8 different supervisors and have gotten a different answer each time. They will not tell me whats the hold up or the estimated date I can expect to receive my money. It is XX/XX/XXXX and I still have no answers.

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 2018-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
i phoned the lender and tried to get them to postpone the foreclosure sale since i have just received an offer on the property and the buyer is very serious about purchasing the property. I have fallen on hard times and i was unable to pay my mortgage and when i went to my lender to see if they could assist me with the other alternatives, they were not really invested in assisting me. I feel as if they have been unreasonable and unavailable while i am going through this tough time. I need help and i am hoping that you are available to assist me. the lender continues to ask me about a retention option.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: LA

Complaint narrative:
I have made several attempts to solve repaying my student loan with XXXX. Sent in a form to apply for a deferment and hardship since I feel behind to constant medical bills. They denied it and came up with a repayment of {$190.00} per month and this is definitely too high. If I am having a financial hardship, then I definitely can not pay that amount. 
When ever I email to get a better term payment, I get harassing emails on paying. It appears that this company lack compassion or just bothersome and want to harass a person. 
What can be done to have them come to realization that I can not pay {$190.00} a month with the hardship I am having?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
SUBJECT XXXX about CHASE BANK. 

I received an e-mail from you stating that Chase Bank responded to my complaint that they were " working on it '' .The last e-mail from you stated that the case was closed. That answer is absolutely not acceptable!! Chase Bank has been " working on this issue since XX/XX/2017! They do not answer my repeated phone calls and still have not returned my money which was never intended for that bank in the first place. Chase has had my {$2000.00} ACH check for over FIVE MONTHS. By now a solution should have been reached. I need action not words. I am still without my money! 
PLEASE HELP! 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX sent me two promotional offers for the XXXX XXXX XXXX XXXX cards that I have that were recently forced to convert from XXXX XXXX cards. The offers state that I would earn a {$50.00} statement credit for each after spending {$500.00}. However, XXXX did not send me the XXXX cards when they said they would, and therefore I requested they send me the cards and that somehow changed my account number and they are now saying that the promotion will no longer apply.

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 2018-03-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: VA

Complaint narrative:
I took out a loan to remodel my parents home for the comfort of my elderly mom, I always paid the first two companies timely, and had no issues. However, once Nation Star took over, they didn't inform me as my old Co told me that they would, once I found out, they had already started placing the house into foreclosure. I have been fighting with them. I did call them and advised them of my information. Still, they kept being scammers as they are. I tried to set up a modification with them, they took out all of payments with the exception of the last one and stated the payment was a NSF and that I had to start all over.Well, I fell into their trap, started all over, and they stated on this one the same and that the bank blocked them. The monies sat in the account. They have all of these fees, NSF fees charged to me and the only way to keep my home is to file bankruptcy and soon. They have my beacon score very low. They are my old bad creditor. When I asked them send me information, they lie and dont.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: D&A Services, LLC
State: IL

Complaint narrative:
I came home tonight and had a message on my prepaid cell phone, which is using up my minutes, from some debt collector called D & A calling from XXXX and telling me to contact them at XXXX ext XXXX and I have NO IDEA who they are, have never been sent any letters to verify any debt whatsoever, so they have broken the FDCPA just like another collection agency I just reported to your office a week ago doing the same!! I want all of these calls stopped now and both companies held accountable by the law, fined and shut down and I am also reporting all to the IL Attorney General XXXX XXXX and several others, including President Trump since his new XXXX is NOT doing the job he is PAID to do which is to enforce the laws!!!!! I do NOT want to be contacted by this company or the other one that just pulled the same XXXX again, this is my official " Do not contact '' letter through your office to both of them!!!! I am not paying them any money, they are only trying to take advantage of a widowed mother!!!! Enforce the laws on them!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I received a financial aid stipend on XX/XX/18. On XX/XX/18 my card was charged {$1600.00} from XXXX. I have never signed up for a XXXX account. On XX/XX/18, I opened up a dispute with Amex Serve. I sent in a police report, and a declaration of fraud form. On XX/XX/18, I received an email from Amex Serve saying they're denying the dispute and when I called, they're unable to give me a specific reason as to why the dispute was denied. They're just saying there was no error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
XXXX Original complaint The merchant bank XXXX XXXX has advised me that they have closed the complaint. I didnt get the funds and now the bank is stating that it went to XXXX area at XXXX. This was checked into by the bank which stated that they do not have the money. It is of great concern as this is for {$14000.00}. The bank stated that they provided the trace to your organization and that closes the case regardless if I get the funds. 

They advised me that this is now resolved per your guidelines and that I will owe the money which I never received due to their error in processing. 

This is a serious problem as I didnt get the money and they are going to hurt me and put my account in collections if I don't pay money that is due to back to me. 

I was called today and last Friday and the call today was much more aggressive stating that this is now my problem to resolve as it is out of their hands. This is not fair or honest as it was not my error it was theirs. I am reaching out to request that this be reopened and to please have a response that shows that the money was refunded or at least found. 

The company stated that the XXXX has no authority to help me the consumer in this matter. I find this not only a problem but a lie based on what it states that the agency does. How can you bill someone money that is not owed? I want to file this as fraudulent or stolen money or possibly money laundering of the institution as they are not helping me. 

I look forward to your help. The person who called me is at XXXX XXXX XXXX. They were not only rude but downright demeaning when I asked for this to be corrected. 

The {$65.00} dollars was located but the larger transaction is lost! How can this be a issue that is my problem? 

The line all of the sudden hung up on me and I am now left at the same spot where I asked for help. 

Please help me. 

XXXX XXXX

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 2018-03-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I lost my job and after paying on a home for 11plus years, reached out to Wells Fargo home mortgage in XXXX to ask about refinance options, or some way to avoid losing my home. After being told I didn't qualify for a refinance with Wells Fargo ... and endless calls asking about the HARP or streamlined finance or using equity in my home, etc. I was referred, by a Wells Fargo employee via phone, to a company to assist with the HARP process. I was instructed to fill out paperwork and then told to make a reduced payment, by money order for 4 to 5 months, while they processed everything. I was assured that the Florida company would be my voice to Wells Fargo, and checked back with company in status every 10 to 14 business days. In XXXX of XXXX, while leaving for my daughter 's theater performance. A gentleman came to my door and said he wanted to see if I had rights to any of the equity in my home, as it was sold at auction the previous Tuesday. There was no notice received, I was in shock. I was then contacted by a small home flipping business, who purchased my home and given 12 days to evacuate the home I lived in for 12 years. In the scramble to find housing, and pack up myself and XXXX children, I lost some of the paperwork which had the Florida company name. 
I know that the home had some renovation and then was sold by the auction purchaser for over 2x the amount I originally financed. Wells Fargo has been exposed for so much, but I've only heard of one other story making the news that is the same as mine. They took my stability, they took FHA incentives and I wouldn't be surprised if the auction purchaser worked for Wells Fargo too.

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 2018-03-01 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
Credit acceptance is showing on my credit reports. The statue of limitations to collect the debt have expired. Needs to be removed from ALL credit bureas

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 2018-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/2018 transunion received a dispute from XXXX XXXX XXXX XXXX. The investigation stated you verified these accounts as being reported accurate. Verifiable has a legal meaning and refers to a copy of the actual document I signed to open the account. You have not provided me a copy of my original signed documentation ( a consumer contract with my signature ) as required under section 609 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 1 ) ( A ). On XX/XX/2018 you received a certified letter for Method of verification that requires 15 days. You failed to provide method of verification as required under 611 ( a ) ( 7 ). Under section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. XXXX is not 100 % verification. You pasted this deadline of 15 days and must delete all accounts disputed.

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 2018-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: MD

Complaint narrative:
I contacted Hunter Warfield about this collection/debt. They stated that someone name XXXX XXXX used my social security number. They stated that I needed to file a police report so I did. They told me to fax the paperwork to them and they would investigate and clear my report. I haven't heard from them and its still on my credit report. 
The amount owed {$5100.00} on XX/XX/2016

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief