vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
This complaint is in reference to an already existing complaint ... #   XXXX  .  NationsStar  Mortgage has been penalized for failing to properly report certain data. In contrast this mortgage company has been noted for several years with the same issue and has spilled into consumers that hold a mortgage with them. We have exhausted all efforts to  get caught up on mortgage payments including sending Nations Star documents supporting reasons for delayed payments. We have completed 5 years of bankruptcy and are now attempting to build our financial lives. Nations Star could not respond to our complaints in a timely manner including the contact person, who seems to try and quickly make calls hang up and go to the next one. The modification Nations Star offered was nothing but an attempt to start to pay on time by raising our mortgage payment. This IS NOT a solution for us, but it works out for the Nations Star ( please see docu ment attached ). According to NS our payments increased, but our trial payments are {$1200.00}, when inquired that this payment is higher than the payment we were originally making of $  XXXX . Before  XXXX , payments were {$1000.00} and now we are asked to pay more after requesting help. Our homeowners association dues were not addressed and I have had to speak with several different representatives who could not find the right person to address this issue. The nightmare of attempting to communicate with  Nations Star continues.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To Whom it may concern, I completed a dispute regardi ng  XXXX  hard inquires. I then mailed a Multiple Inquiry Removal  Letter  on   XXXX   XXXX   XXXX     at  XXXX  p.m., by certified mail in order to dispute information, in regards to  XXXX  hard inquiries, that are being reported on my credit report. They received the letter on   XXXX   XXXX   XXXX     and they completed the request on   XXXX   XXXX   XXXX   The request that I submitted included  XXXX  hard inquiries that were not factual and I received the same response for all inquiries that have be en disputed which was " Inquiries are a factual record of file access. If you believe this was unauthorized please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response not once but TWICE 2-4 days after the receipt of my certified letter, one can assume that there was NO investigation into the matter. It appears this company has a generic response to these dispute investig ations. I am planning to purchase a home this year and having this many inaccurate inquiries on my credit report can display a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does NOT belong to me. I did not sign for  ANYTHING.  This is unfair practices by a credit reporting agency with NO concern for the credit worthiness of a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citibank is e ngaging in fraudulent behavior where they publicly advertise a promotional offer to attract new users, make them open a new account and add new funds into their account then, first : refuse to recognize the existence of the promotion and later : refuse to acknowledge that the user was part of the promotion.     In my ca se : 1. I sa w this promoti on on Citi 's websit e on   XX/XX/XXXX  ( see   attached file )   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    2.   Checked the box on this page that says " I want to open a  Citibank   XXXX   XXXX    Account now '' and clicked the "  Enroll  now '' button. I then opened the account the same day.      3. A s required by this promotion 's terms, I deposited {$50000.00} from my external bank account into this new  Citi Savings a ccount  on   XX/XX/XXXX   (   see attached bank statement ).      4.  As required by this promotion 's terms, I kept pas t  XX/XX/XXXX   ( see attached bank statement ).      5. I c ontact ed Citi short after  XX/XX/XXXX  ab out the bonus and was asked to wait until " 90 calendar days from the date when you completed all offer requirements '' which would have been   XX/XX/XXXX .        6. I contacted Citi a few days ago and first got a canned response referencing an entirely different promotion that I never inquired about.
7. The second response stated that " offers are only available to the individual to whom the offer was addressed. '' 8. I se  arched on the web and it appea rs Citi is u sing this excuse to refuse the bonus to many of its customers who relied on this promotion. Most importantly, the promotional terms  make *NO MENTION* that the off er is only available to whom the offer is addressed. In fact, since the offer was publicly available and accessibl e on Citi 's  website, it is a " unilateral contract '' in which anyone that the offer does not exclude, is eligible for the bonus, so long as the terms are met.     For the reasons stated above, and based on my research online where other users have shared similar stores, I have reason to belie ve Citi is   engaging in a pattern of promotion fraud.

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 2017-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
This complaint is against the co mpany " MBA Law  Offices /  XXXX  ''.     Currently, they are reporting that I owe them a total of {$1300.00} on my credit.     I have never had any dealings or communication with this company so there is no reason for them to be reporting an unpaid debt on my credit report.     I 've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by this company. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.     To facilitate the CFPB 's investigation, I have acquired the account number of this unknown account from a recent credit report. The account number is listed as follows on my report : "  XXXX  ". My report indicates that the account has an " open date '' of  XXXX   2016 .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: NV

Complaint narrative:
I have been a victim of ID theft throughout the years, I have filed several police reports and most recently a FTC ID Theft report.     I have made several attempts to handle this directly with ERC but they are unwilling to work with me on this situation. They still insist on reporting a fraudulent  XXXX   XXXX   XXXX  debt to my credit report. I have furnished them with letters, police reports, ect to prove my case. Nothing has been done. Nothing.     The amount on my credit report states its for {$490.00}.     I have NEVER had an account with  XXXX   XXXX   XXXX . This account is fraudulent and the company knows that and still willing tries to collect and report it to the credit bureaus. Attached are police reports and a copy of my FTC report.     My ID theft is ongoing so I am keeping up with these issues as they pop up. Please give me your cooperation this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On  XXXX   XXXX   2017 , my paychec k ( direct deposit ) {$1300.00} was transferred to my ( adult ) daughter 's account without my permission. I was told by the bank that my daughter added me to her account as a joint owner. I never gave Navy Fed  eral CU authorization to add me nor did I sign any agreement. In order to be eligible to open an account with Navy Federal, you need to be related to a member. I gave her my information so that she would qualify but not to be added to her account. When she signed up, she provided my info and the account was set up incorrectly. I spoke with two different supervisors and my daughter went in to the bank in the city she lives in and spoke with a branch manager. The y all said the same thing, they could not return the funds to my account because I was responsible for her account. I explained to a supervisor named  XXXX  that I had not given authorization to be added to her account and her response was " you should not have given your daughter your information. '' I am unsure of what I could do have this issue corrected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
see complaint #  XXXX  when I logged into my account it indicates the the complaint was closed and settled with monetary settlement that 's not true , Well 's Fargo  agreeing to pay 2 months of fees ( {$41 0.00} ) after  stealing 4 years of fees is unexceptable complaint #  XXXX  states th at Well 's Fargo lin ked my credit card to my checking account therefore when an overdraft happened the y ( Wells Fargo ) wou ld move {$45.00} from my credit, apply {$20.00} to the overdraft and pay themselves {$25.00} in fees running up a total of approximately {$19000.00} in fees. I never consented to this overdraft protection nor did I consent to linking my credit card to my personal checking account. The  Enforcement Action  of     XX/XX/XXXX /16    directed well 's  Fargo to  compensate consumers for opening accounts without their consent or permission. This is no compensation, I w ant Well 's Fargo  to refund all fees associated with this overdraft I have c ontacted Well 's Fargo  and they refuse to compensate me through the enforcement action. We ca n't really expect them to police themselves, they have to be made to do so. They open an account without my permission run up fees, pay themself. We ( We ll 's Fargo  and I ) ca n't resolve this therefore I need help from CFPB

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 2017-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Hello, On    XXXX   XXXX   XXXX    I received a letter via  XXXX  from  XXXX  in reference to my  XXXX  Gold Card membership. The letter stated that an annual fee of {$990.00} would be assessed starting    XXXX   XXXX   XXXX        The reason why this is problematic and why I 'm filing a complaint are as follows : -I was approved for having the {$990.00} annual fee waived as well as 0 % APR on  XXXX     XXXX   XXXX      -At that point, I had conducted balance transfers from other financial institutions in an effort to consolidate my debt ( posted   XXXX   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 explanation
Consumer complaint received 2017-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: IL

Complaint narrative:
I just looked at a new updated copy of my credit report and noticed  Commonwealth Financial Services , Inc  XXXX  reporting a negative account. I contacted them today,  XX/XX/2017   , by phone and spoke to  XXXX   ID/Ext  #  XXXX , and asked why they were reporting on my account without me knowing any of this in writing or by phone before placing it on my credit report and also told him that I am disputing this alleged debt. I was just pre-approved on a loan and was told that this will harm my  credit score  and I will not be able to close until this matter is resolved. I demanded verification and can not wait by mail and want  Commonwealth Financial Services , Inc.  to upload any verification documents they might have here per the FDCPA and FCRA laws.  XXXX  also tried to have me pay just so this account goes away even though I told him several times that I did not owe this alleged debt and I am disputing it as it is not mine. I have no problem paying a debt that I really owe, especially in the current situation that I am in but I will not pay for something that is not mine. I demand this be verified with all the documents they claimed to allegedly have including my signature or remove this from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCC Business Services, Inc.
State: MA

Complaint narrative:
I was served an eviction  notice   XXXX   XXXX   and hired landlord tenant lawyer to handle my case which was dismis sed for lack of burden of proof with the stipulation I had to go thru a third party for anything concerning my apartment at  XXXX   XXXX   XXXX   XXXX .  XXXX ,  XXXX ,  XXXX . I locked myself out, had to have management let me in, eviction went thru because of this and I was evicted   XX/XX/XXXX .   Constable did not follow the law, moving company did not follow the public safety law, I am not legally responsible for attorney fees or court fees according to tenants rights laws. I have called every agency known to man to rectify this and hire a lawyer. All the  Bar Assoc. recommendations w ould not return my calls. Because of the abuse of tenants rights I am barred from getting housing. I am homeless, my property is in my storage but smashed and dumped by movers who demanded CASH to put it in my unit. Even though there are laws to protect me, there is  no one to le gally help me. As of this moment I am speaking to an attorney who said I should sue. Great where can I get a lawyer?

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 2017-05-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: ECMC GROUP, INC.
State: CA

Complaint narrative:
I am unemployed, I filled out an application for an Income-driven Repayment plan at studentloans.gov, and was granted a zero amount repayment in   XXXX   XXXX       In   XXXX   XXXX   my income tax refund was withheld b  y ECMC ( Educational Credit Management Corporation ), claiming that I was in default. Up until this letter, I had no correspondence from ECMC stating that I was in default, nor was I ever even informed that ECMC was a lender of mine. I am not in default with any of my other lenders. All my other lenders received and granted my Income-driven Repayment plan.
I emailed ECMC twice and have not received a response.

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 2017-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I mailed a letter on   XXXX   XXXX   XXXX     certified mail stating the year of birth was incorrect. I also sent in proof with this lette r ( I dentification card, birth certificate and social security card ). I received a response back on   XXXX   XXXX   XXXX     stating they have reviewed my concerns and the information is correct. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCR A 623 (  b ) (  2 ) and 611 ( a ) ( 1 ) , it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 9 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for the wrong birthday that does not belong to me.. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My ex-husband,  XXXX   XXXX , and I had a joint bank account in  XXXX  with  XXXX   XXXX   XXXX   XXXX  in  XXXX , Texas. This account was overdrawn by {$290.00} and was never paid by my ex-husband, even though he was ordered to in our divorce.  XXXX   XXXX   XXXX   XXXX  then charged off this balance. I filed for divorce in  XXXX   XXXX  and it was finalized in   XXXX   XXXX  . In   XXXX   XXXX  , I filed for Chapter  XXXX  Bankruptcy and it was discharged in   XXXX   XXXX   This  XXXX   XXXX   XXXX   XXXX  account was included in my Chapter  XXXX  Bankruptcy and was discharged. I reviewed my credit reports soon after and noticed that Equifax was still reporting this account as an open charged off account. I have contacted Equifax many, many times about this and each time I dispute this item to have it reporting correctly as " Included in Chapter  XXXX  Bankruptcy '', they will not fix it because they say  XXXX   XXXX   XXXX   XXXX  is confirming that I still owe that debt and it is an open matter. I have sent numerous letters to the credit union and numerous emails and have never, ever received even  one  response. I even sent them the bankruptcy paperwork showing that their debt was discharged. They provided no correction to Equifax and no response to me. I want them to immediately either remove this listing completely from my credit report or update the listing as they are legally obligated to do. I am fully able and willing to obtain legal representation and pursue litigation if they continue to violate my rights and protections under bankruptcy law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Was told  by NFCU employee I can pay off my cash advance balance. Payed more t  han I wanted to to  pay it off. Things got bad for me. I am a mentally   XXXX   XXXX   with a fixed income and have a very difficult time dealing with people after what happened in the military. This is ridiculous that I have to bring this to a government agency to help. I calle d NFCU MUTLITPLE ON MUTIPLE of times about this and every single time every supervisor refuses to make the adjustment and refuses to give me any further information about NFCU  or what to do anything or contact anyone about my problem and refuses to help further everytime.     I do n't want this for the next  XXXX . This is n't fair and is stealing in a nutshell. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation