vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-11 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Mercedes Benz Financial Services
State: MI

Complaint narrative:
In XXXX of XXXX I leased a XXXX XXXX XXXX XXXX. I began having problems with the vehicle in XXXX XXXX. Specifically, jumps while switching gears and gets stuck in gear XXXX. The problem mainly occurs when the car is switching gears from XXXX to XXXX and XXXX to XXXX. The car jumps so much when shifting that it is hard to control. When the car gets stuck in XXXX gear the engine revs but does not shift out of gear. I began taking the car to the dealer ; however, the problem was never fixed. The claim was that they could not duplicate the problem. On XXXX XXXX I took the car into service and provided the dealer as well as XXXX with videos showing the issue that I am complaining about. Also I provided copies of other driver 's experience with this issue and I have described the issue in detail with the hope that the issue will finally be resolved. Additionally, I told the service manager that the issue appears to be software related specifically it is either malicious or incorrect code in the vehicle software. On XXXX XXXX after 53 days in the shop and XXXX miles on vehicle they returned it saying they could find nothing wrong with the car so no repairs were done. Upon return of the vehicle I noticed that the service report for the XXXX XXXX service was incorrect. The report stated that my car had only been in the shop from XXXX XXXX to XXXX XXXX and there were no miles put on it while it was in service, which is false. I pointed these errors out to the dealer who noted the inaccurate information. Since then, the car has been in the shop 3 additional times for the same issue and nothing has resolved it. Accordingly, the vehicle meets the statutory requirements to be deemed a lemon and repurchased by the manufacturer. On XXXX XXXX, XXXX XXXX made an offer to repurchase the vehicle and give me {$1500.00} towards a new C-Class. However, on Monday XXXX XXXX, XXXX they reneged. Since reneging on the offer the vehicle has been in the shop 3 to 4 additional times for the same issue. XXXX has ignored every correspondence and notice that they have received about the vehicle. They have also refused to keep the vehicle until they figure out what is wrong with it and provide alternate transportation. As it stands the car is unsafe to drive, however, I have no choice because they reneged on their offer and as a consequence I am paying for a vehicle and its use is substantially impaired.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
R.E.S.P.A. QUALIFIED WRITTEN REQUEST Dear Sir or Madam : Please treat this letter as a " qualified written request '' under the Federal Servicer Act, which is a part of the Real Estate Settlement Procedures Act, 12 U.S.C. 2605 ( e ). 
Specifically, we are disputing a ) the identity of a true secured lender/creditor, and b ) the existence of debt, and c ) your authority and capacity to collect on behalf of the alleged lender/creditor. Because of extensive criminal activity and fraud in this arena, we require proof of the chain of secured ownership from the original alleged lender/creditor to the alleged current lender/creditor. Further, we require proof that you are the entity that has been contracted to work on behalf of the alleged lender/creditor. 
Pursuant to " Subtitle E Mortgage Servicing '' of the " DoddFrank '' Wall Street Reform and Consumer Protection Act and pursuant to 12 U.S.C. Section 2605 ( e ) ( 1 ) ( A ) and Reg. X Section 3500.21 ( e ) ( 1 ), please provide all information requested in the attached QWR ( see attached file ). 
Suntrust Response is invalid and false : " The address XXXX XXXX XXXX XXXX XXXX, CA is NOT and it was NEVER the address for " XXXX ''. Invalid Phone Number. '' XXXX is a DEBT COLLECTOR & a SERVICER. XXXX does NOT ORIGINATE LOANS. 
XXXX XXXX XXXX on Behalf of other investors. 

You should be advised that within FIVE ( 5 ) DAYS you must send us a letter stating that you received this letter. After that time you have THIRTY ( 30 ) DAYS to fully respond as per the time frame mandated by Congress, in " Subtitle 'E ' Mortgage Servicing '' of the ''DoddFrank '' Wall Street Reform and Consumer Protection Act and pursuant to 12 U.S.C. Section 2605 ( e ) ( 1 ) ( A ) and Reg. X Section 3500.21 ( e ) ( 1 ). 

Pursuant to 15 U.S.C. 1641 ( f ) : Please provide the name, address and telephone number of the owner ( s ) of the mortgage and the master servicer of the mortgage. 
You should be advised that Violations of this Section provide for statutory damages of up to {$4000.00} and reasonable legal fees. The amendments also clearly provide that the new notice rules are enforceable by private right of action. 15 USC 1641

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 2015-03-30 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
Dear CFPB : I believe Wells Fargo is participating in misleading mortgage lending practices, given the recent experience I had with them in seeking to secure a LOC ; I have an existing mortgage with them and a 25 year mortgage and banking relationship. The specific issues and practices for review include : lack of transparency on closing costs and a " surprise '' right before closing in which closing fees had increased by more than {$500.00} ; encouraging the opening of an additional account to " receive '' such fees resulting in additional account maintenance fees to me, even though I had a relationship with WF already and at least XXXX existing accounts the funds could have gone into ; and potentially illegal practices related to the use of notary services such that a notary would notarize for an individual not in their presence ; the notary in my case refused to sign. There were many other issues of incompetency, delay, and various clerical errors involved in the transaction as well. 

In my case, this LOC application process took 3 full months to get to the point of closure even though I had a 25 year history with WF including mortgages and a mortgage re-financing 2 years ago, as well as a high credit score ( XXXX ) and had NEVER missed or been late on a mortgage payment. I am concerned that other consumers with less knowledge and a less secure financial situation may be being targeted by WF and the victims of continued unfair practices even following the reforms following the 2008 financial collapse.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: KS

Complaint narrative:
I have a private loans through Navient that I have n't made any room on the past 6 years. I originally took out XXXX and I currently owe XXXX. I have paid over XXXX on my loans and XXXX has gone towards interest. I am currently paying XXXX % of my salary. I feel like my loans were built up from the original amount and I do n't know why. I had a few of my loans change interest rates from 7 % to 13 %. I am very confused on what is going on. I have contact them about consolidation but was told over the phone that I ca n't do this will private loans. I offered to pay a settlement of XXXX and they refused to speak with me about this. I was told they will find a way to get the remaining back from me. I tried to contact the CEO about this but nothing back from them. I feel like at the age of XXXX when I took out these loans I was taken advantage of and now I am stuck.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Jvs group
State: TX

Complaint narrative:
I received a call on XXXX/XXXX/2015 at XXXX from a collector at JVS Group XXXX a collection company ). He may have told me his name, but I do n't recall hearing it. I submitted disputes to the credit bureaus and also directly to this company on a debt I allegedly owe. I wanted to get validation before I pay the debt as I am allowed under the FCRA, FDCPA. I was told over the phone by this gentleman at JVS Group that I had to talk to him on the phone since the account was disputed, per the law. That is a lie and that is not required under any Consumer Law. The same person also told me that the account was with the clinic, but I never was at the clinic he claims I was, but I did go to the hospital. That same person said he had pictures of me at the clinic, which I took as a threat to pay the bill. The phone call ended, which I believe was because he hung up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
XX/XX/XXXX or XX/XX/2016 I opened a new account with Citi through XXXX XXXX, it is a double cash card. I opened this account because they offered a 0 % interest on purchases and balance transfers for 18 months. I recently looked at my statements and noticed that they charged me interest. So I messaged them to inquire why they were charging me interest, and they told me the 0 % offer was only on transfers and not on purchases, that the 0 % offer for purchases ended XX/XX/2016. I asked how the offer could expire on the day I applied and was approved for the card, ( give or take a few days ) and they kept repeating that the offer was for balance transfers. I know they are being dishonest, I NEVER open cards with an interest rate on purchases, especially one as high as they are charging me, 19.24 %. It would n't even make sense to open a card with interest on purchases, as I had many offers with 0 % I did my homework, I looked at lots of cards, and I chose this one because they offered the longest 0 % rate on purchases and transfers. I feel like they are bait and switching customers and I think it is illegal to use such deceptive credit practices.

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 2015-10-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX ( XXXX ) put myself in collections for failing to repay a {$510.00} advance paid to me in XXXX. I submitted the dispute to XXXX during the XX/XX/XXXX and upon their investigation, my supervisor crossed my information out of a customer 's application, so they said they would erase the paper trail. 
Fast forward 4 years and I still find their collection attorney firm, XXXX XXXX and XXXX on my credit report. I mail a letter to both parties demanding removal and ask for fair compensation as my credit score increased by approximately XXXX points once XXXX XXXX removed the adverse account and I was turned down for financing during the time XXXX XXXX was on my credit report between XXXX and this year XXXX. 
XXXX 's says they requested XXXX XXXX remove themselves from my credit report at the time and that XXXX XXXX failed to do so. I have seen no proof of this and XXXX 's believes they are not liable for any violation of my consumer credit rights since XXXX in which I fundamentally disagree. They now continue to ignore correspondence requesting for fair compensation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
I strongly believe rules need to be adopted whereby an invoice, bill or letter to collect a debt should be clearly indicated as such. For instance, if the law mandated that these documents, and only these documents, could be sent in a blue envelope ( thus no more blue envelopes sold in stores ) and that it had to clearly state on the front that it was an attempt to collect a debt, that would eliminate many consumers from inadvertently throwing away bills they were not expecting. 

I 'm writing you primarily because I get several pieces of mail a week that look like bills, yet when I open them they are some sort of solicitation ( sales ) mailing. For instance, today I got something in the mail from my mortgage company that looked like a bill. It said " second and final notice '' and " important information '' ... things that would lead an average consumer to think its a bill. Instead it was a sales mailing to buy mortgage insurance if I lost my job or could n't work. These types of mailings are common and result in people like me throwing away legitimate bills by accident because we get so much junk mail that is styled like a bill. 

Also, you need to do something about the credit rating agencies ( personal rating agencies XXXX. Paying off a mortgage should benefit your score. If an account in collection is paid in full ( perhaps the consumer must make the original vendor whole ), then it should come off your credit report easily. The credit rating system is broken ... I 'm almost XXXX years old, never had I ever not paid something I owed, paid XXXX things late maybe 60 days at worst, and yet my score is barely over XXXX. How is it that mortgage companies have such a different credit score than what the public sites show us? Seems to me like they should be the same. Since credit is our main source to buy things XXXX for most ) and your score only makes your purchases more expensive XXXX APR XXXX, it should hold true that your same concerns about payday loans should be applicable here. Those with lower scores get the worst rates, ultimately paying more which keeps them in financial difficulty. Right now, credit scores do n't accurately reflect a buyer 's ability to pay a debt ... it mainly represents who does n't throw away their mail and is diligent at managing their bills ( regardless of their actual spending / buying power ). What happened to the days where it was simply your debt to income ratio? That makes a lot more sense and you can use a person 's tax returns to figure income.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: M. G. Credit, Inc.
State: FL

Complaint narrative:
My son was in XXXX in our before we moved. As soon as I knew we were moving I notified the school. It was n't until the week we were moving that I was told to notify the billing company. I did so. Never received a response. Got a collection notice from MG Credit. I immediately requested verification. What I got16 days later was a partial retail installment contract that only verified a contract was signed but was missing the original pages. The original contract is null and void due to the fact that in Florida any company wanting to write a Retail Installment Contract has to be licensed to do so per FS 520.32. Also I have been unable to locate a business license or a DBA in the state database. They were told not to attach this to my credit report and they have. I notified them of their fictitious paperwork on XXXX/XXXX/14. They have since not responded. In my last communication they were given 30 days to rebut it and they did n't. Since then I been sent a new collection from the same company with a different account number. I am rebutting that now.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AR Resources, Inc.
State: FL

Complaint narrative:
AR Resources has repeatedly contacted me (everyday for a week) about a debt my son owes, he does not live here and this is my phone number.  The debt is actually due to a misbilled major XXXX claim (should have been workers comp) after this was explained they were told to stop calling.  the person there told me HE wasn't the XXXX to call me, it was the automated machine.  So i guess the automated machine has to take responsibility for itself, because he wouldn't. XXXX again they have called and XXXX again i asked them to stop, but at this point they need to be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XXXX XXXX 2016 my wife submitted a payment of approximately of XXXX to Wells Fargo. On the date, there was a correspondence mailed to our house which was " Notice of Default and Requirement of Strict Compliance '' On the document the box IS NOT CHECKED which denotes that " Wells Fargo Dealer Services is informed and believes that you are also in default. '' In other words, the letter suggests future action, but is not checked for immediate action as of XXXX XXXX. On XXXX XXXX, Wells Fargo initiated the repossession of our vehicle despite this correspondence not having the check noted for possible repossession. So, the car, according Wells Fargo 's own paper work should not have been taken. XXXX XXXX XXXX charged XXXX for taking my car and this also cost me 1 day of work, approximately {$200.00}. ( XXXX XXXX XXXX XXXX XXXX. I also had to pay XXXX for a XXXX and the time and frustration of getting my car back etc. 
Wells Fargo claims that they called me, but I did n't talk to them directly and this written compliance form is not accurate based on the actions of Wells Fargo and XXXX XXXX. 
Further than all this, I wonder : is it reasonable to tow a car out of someone 's driveway about three weeks after an attempt to make a payment, which is off by XXXX dollars? And sending a document without setting expectations for repossession? And no record of talking to me in person? I think that Wells Fargo not only broke its contract but harassed me and caused me two days of grief, even shortly after we made an effort to pay them. We had no history of not paying regularly. We have a record of some grace period payments due to over business but not an inability to pay.

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 2015-12-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: CO

Complaint narrative:
Dear CFPB, I ask that you seriously you investigate this company. I had a mortgage with XXXX XXXX ( already had to file XXXX complaints that are still ongoing ). The mortgage was transferred to Freedom mortgage. The transfer has been a complete mess. After a long trial the previous company finally transferred everything to the new company including a check. The first time I spoke to the new company the person said it was taking them a while to process payments because they were bringing in a large number of mortgages from multiple companies. Per their own records it too almost 2 weeks from when the payment was " received '' ( an attachment will show their own records show it took this long ) for them to actually post it. I was told that this would be corrected and that they would process checks more quickly. Now, I have mailed another check, directly to them this time, and it has been over 2 weeks since the check was mailed and they still have not posted it. I called in to inquire about their address and then asked why it was taking them so long to process checks that are mailed. The woman who answered ( I did not get her name, although they can tell you who it was since the calls are recorded. ) insisted to me that all checks are posted in no more than 72 hours. When I pointed out that their own records showed it took them almost 2 weeks to post my check even after they claimed they received it ( which was 2 weeks after it was mailed. I know the Post office is slow, it is not that slow though ) she then said it did not take them that long to post and then i again stated that their own records show it did and asked why it was taking so long. She then hung up on me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To whom this may concern, This is a follow-up to my previous letter sent to TransUnion on XXXX XXXX, 2016, which to date has not yielded a response. 

I am writing today because the address information on my credit report in inaccurate and this is causing me substantial headache when managing accounts at financial companies. 

Please update my address to : XXXX XXXX XXXX, XXXX XXXX, California, XXXX. I have been living at this address for over 4 years. 

Further, to avoid confusion with banks, please remove any other addresses or mark them as " former addresses '' if possible. 

Attached is the necessary identification, pursuant to XXXX XXXX XXXX XXXX, that establish proof that this account is mine and that the request for modification on my credit report is true and accurate. 

Sincerely Yours, 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 2015-09-24 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
The judgement on my report from Midland Funding LLC is not mine. This debt is my son 's. He has n't lived in my house since XXXX 1992. I 've never had this debt nor have never co-signed for or authorized this debt. 

I was never properly served. A young man rang our doorbell and when my wife opened the door, he threw the notice at her and ran to his car all the while she was telling him that he had the wrong person. He sped away screeching his tires. 

XXXX and XXXX removed the account after performing their investigations. Please help. Thank you

Company response to consumer: Closed with explanation