vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-04 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
Credit dispute with XXXX XXXX was submitted to Experian on XX/XX/XXXX. Experian 's web site for credit dispute status reflects my complaint with an estimated completion date of XX/XX/XXXX. To this very day, the status still indicates pending and I was never notified of the results. I called Experian today and spoke with XXXX ( ID # : XXXX ). XXXX informed me the investigation was completed on XX/XX/XXXX and could n't explain why Experian 's web site still indicates the investigation results are pending and why Experian failed to notify me of the results.

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 2018-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: COMMERCE BANK
State: WA

Complaint narrative:
I experienced several problems while doing business with Commerce Bank over the past few months. 

1 ) I was not able to access my full account number online, or over the phone. I was informed that the ONLY way to access my full account number was to visit one of their branches, which are located in a small part of the USA, near XXXX XXXX. I was and am still out of state and unable to visit a local branch, and therefore, could not use the bank 's services. My access to my funds in the checking account was limited due to my inability to gain access to my full account number - the bank 's website only provides the last 4 digits of the account number. This hindered my ability to pay bills on time, resulting in negative financial consequences for me and my family. 

2 ) I was limited to sending only {$250.00} at a time using ACH, which hindered me from withdrawing my money from this checking account for an extended period of time. At this time, I had already decided to stop using Commerce bank for my banking needs, and intended to withdraw my money from the account. 

3 ) I was unable to withdraw the final {$100.00} from my checking account via ACH. I spoke with a Commerce Bank CSR, who informed me that to close my account and access my money, I would have to have a {$0.00} balance in my account. Withdrawing my money in person was NOT an option as I 'm out of state, and it was NOT an option via ACH. Thus, not knowing what else to do, and wanting to end my banking relationship with Commerce Bank and withdraw my money, I did n't see any other way of withdrawing my money other than using my debit card for a purchase I did not need. Withdrawing the money at an ATM would have resulted in fees and not being able to withdraw my account to {$0.00}, as ATM machines can not dispense XXXX cents, and thus I would not be able to bring my balance down to {$0.00} in order to close my account. I ended up purchasing an  XXXX gift card on XXXX in the amount of {$100.00} in order to bring my balance down to {$0.00}. 

During my relationship with Commerce Bank, I felt my money was trapped and illegally held by Commerce Bank, and my access to my money restricted by the bank 's rules. This has resulted in negative financial consequences for me and my family, and thus, I would like this matter looked into, and Commerce Bank 's practices investigated in order for this to never happen to any other person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
Nationstar Mortgage is well aware of litigation concerning the Deed of Trust they've recorded an assignment.  There's litigation pending that the Deed of Trust is void.  In an attempt to obstruct justice, commit fraud upon the Court and defraud me, Nationstar Mortgage is filing fraudulent documents to harass me. On XX/XX/XXXX Nationstar Mortgage recorded a Corporate Assignment of Deed of Trust without any authority. The Deed of Trust allegedly assigned is the subject of the lawsuit styled XXXX v. XXXX XXXX XXXX XXXX XXXX in the XXXX County, Texas District Courts numbered XXXX.  Nationstar Mortgage is aware of the pending suit referencing this Deed of Trust.  Nationstar Mortgage is filing fraudulent governmental records in the XXXX County Real Property records to harass me and create a cloud on my title. Nationstar Mortgage should cease and desist further fraudulent recordings on my property.  On XX/XX/XXXX Nationstar Mortgage recorded a Corporate Assignment of Deed of Trust assigning the same Deed of Trust to XXXX XXXX XXXX XXXX from XXXX XXXX XXXX  (defunct entity) .  Under Texas law,  an assignment cannot be made by a XXXX man; it is a transfer by one existing party to another existing party of some valuable interest. XXXX v. XXXX, XXXX XXXX XXXX XXXX (XXXX. XXXX. XXXX.-XXXX  XXXX, XXXX XXXX XXXX.).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: PRESTIGE FINANCIAL SERVICES INC
State: TX

Complaint narrative:
I bought a car in XX/XX/XXXX. Due to my credit being poor, the only company that would finance me was XXXX XXXX. This experience has been nothing short of a nightmare. Since I bought the car, my life has been a wild roller coaster. I got laid off from my job, was unemployed for several months, got a new job, then was laid off from it 3 months later, on top of being unemployed I also lost everything except the car in Hurricane Harvey. I ended up landing a new job just after the hurricane and am slowly getting life back to normal, however, prestige does n't care about any of it. They are only about their bottom line and have zero compassion for those going through hardships. The day after payment is due, they start harassing me with calls, emails and texts. Last Friday, XX/XX/XXXX I received 3 emails from 2 different people. Today I received a rude email from XXXX XXXX stating that I am {$1300.00} behind on my loan, however my account on their website shows I am only {$450.00} behind. One of the emails he sent on XX/XX/XXXX stated that I am {$750.00} behind. Apparently they have no idea what I actually owe and their data does not match the data on their own website. I am growing extremely frustrated with this company and their rude, harassing collection tactics. I have asked XXXX as well as well as several other of Prestige 's employees to stop harassing me about the balance. I am aware I am behind and am doing everything I can to get caught up. Yet they continually call, text and email daily. Someone needs to step in and do something about this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: TX

Complaint narrative:
MY STUDENT LOANS ARE WITH XXXX XXXX XXXX.  IN XX/XX/XXXX, I STARTED WORKING FOR THE XXXX XXXX XXXX.  MY COWORKER TOLD ME ABOUT THE STUDENT LOAN FORGIVENESS FOR CIVIL SERVANTS WHO MAKE 120 PAYMENTS WHILE A CIVIL SERVANT.  I ASKED HER IF SHE CALLED ABOUT IT TO VERIFY, SHE SAID THAT SHE HAD NOT.  THAT DAY, I CALLED MY BORROWER TO ASK ABOUT THE PROGRAM.  THEY ASKED WHERE I WORKED, I TOLD THEM AND THEY SAID THAT YES, AFTER TWN YEARS OF PAYMENTS, OR 120 PAYMENTS WHILE EMPLOYED WITH THE AGENCY, I WOULD QUALIFY FOR STUDENT LOAN FORGIVENESS.  AWESOME.  THEN IN XX/XX/XXXX, I CALLED AGAIN TO INQUIRE IF GOING ON XXXX LEAVE WOULD AFFECT THE PROGRAM ELLIGIBILITY.  THEY SAID THAT WHILE, NO, IT WOULD NOT, I DID NOT QUALIFY SINCE MY LOANS WERE NOT CONSOLODATED A CERTAIN WAY.  I WAS SO UPSET.  I ASKED ABOUT CONSOLODATION.  THE LENDER TOLD ME THAT I NEEDED TO GO ON A PAYMENT PLAN THAT WOULD TAKE MY STUDENT LOAN PAYMENTS FROM $300 (SOMEWHERE IN THAT NEIGHBORHOOD) TO NEARLY $900!  I AM A XXXX XXXX, MY HUSBAND IS MILITARY.  WE COULD NOT AFFORD THAT.  ESPECIALLY AFTER HAVING JUST HAD A NEW XXXX AND HAVING TO DEAL WITH ALL THE COSTS ASSOCIATED WITH THAT.  HEARTBROKEN, I ACCEPTED WHAT THE LOAN OFFICER SAID AND HUNG UP THE PHONE.  THEN I DECIDED TO CALL AGAIN IN XX/XX/XXXX, THAT LOAN OFFICER HAD ME COMPLETE THE OMB NO XXXX OR THE PUBLIC SERVICE LOAN FORGIVENESS EMPLOYMENT CERTIFICATION FORM.  I SENT IT IN WITH MY WAGE VERIFICATION AND CONSOLODATED MY LOANS UNDER AN INCOME DRIVEN PLAN.  FOR SOME REASON, THIS LOAN OFFICER SAID MY PAYMENT PLAN WOULD BE ONLY $XXXX, HALF WHAT WAS QUATED TO ME TWO YEARS PREVIOUSLY.  THAT WE COULD AFFORD.  SO I SUBMITTED EVERYTHING AND MY PAYMENTS WENT UP.  I JUST CALLED AGAIN IN XX/XX/XXXX AND FOUND OUT THAT I AM STILL NOT ON THE PROGRAM.  THE LOAN OFFICER INFORMED ME THAT I NEED TO RECERTIFY MY EMPLOYMENT (WHICH I WILL DO) BUT MENTIONED I NEED TO BE DOING THIS EVERY YEAR.  NOBODY MENTIONED THIS TO ME AT ANY TIME NOR HAVE I RECEIVED ANY MAILER TO THAT EFFECT.  I WORK FOR A XXXX XXXX, WE "RECERTIFY FOR BENEFITS" EVERY DAY.  WE SEND NOTICES, WE SEND THE FORMS, WE SUSPEND IF WE DO NOT HEAR BACK.  THIS XXXX WILL MAKE 8 YEARS OF XXXX XXXX, 8 YEARS THAT SHOULD HAVE QUALIFIED FOR STUDENT LOAN FORGIVENESS.  I HAVE NEVER BEEN LATE, I HAVE ALWAYS PAID ON TIME.  I WANT THOSE YEARS, AND THOSE PAYMENTS TO MATTER.  I DON'T WANT SPECIAL TREATMENT, I ONLY WANT WHAT I AM ENTITLED TO UNDER THE LAW.  PLEASE ASSIST IN THIS MATTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian Credit Report Date : XXXX XXXX, 2017 Report : XXXX XXXX XXXX XXXX XXXX is wrong no such Address XXXX XXXX XXXX XXXX is wrong no such Address these are not my address as stated before. 

Please provide proof to me these address that there my address current or prior. 
There is no unit and these are condo units each one has a number nit an address as Experian just shows.

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 2018-01-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Kovach Law Firm, PLLC
State: TX

Complaint narrative:
While making a purchase I was notified from my bank that my account had been frozen due to a lien and to contact XXXX XXXX XXXX. When I contacted XXXX XXXX XXXX, I spoke to XXXX XXXX, whom had informed me that a default judgment had been filed against me on behalf of XXXX XXXX  Payday loans. I had taken a payday loan out in XX/XX/XXXX, and made a few payments, but lost my job and the bank account ; so I could not make the payments. I tried to make arrangements with the company, but XXXX XXXX refused to work with me. In XX/XX/XXXX I am notified that they filed a lawsuit, because the attorney had put a hold on my child support payments ( which is illegal in Texas ). XXXX XXXX XXXX refused to lift the hold until I signed an agreement. I originally took out a {$750.00} payday loan, but now the charges had gone up to XXXX with excessive fees and interest. I did not attend the court hearing because I was never served and was totally unaware of this. The lawsuit was filed in a different precinct than where I live, with XXXX XXXX in XXXX XXXX, XXXX XXXX. I asked for a copy of the original lawsuit and XXXX XXXX XXXX has not provided this to me, just a statement of what the total amount is now due.

Company response to consumer: Untimely response
Consumer complaint received 2018-01-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pacific Collections
State: CA

Complaint narrative:
I have received two letters from XXXX XXXX XXXX XXXX, Collections and Billing, XXXX   XXXX XXXX, XXXX, CA XXXX, phone number : XXXX claiming that my account remains seriously delinquent. 
They are claiming that the Creditor is XXXX XXXX XXXX ( they put an asterik next to the name ), my file number is : XXXX and my account number is : XXXX and that I owe {$790.00}. 
They have stated that if they do not receive the full balance within 10 days of this letter action may be brought against me without further notice. 
It says please make payments payable to XXXX - DO NOT SEND CASH. 
I have no idea what they are talking about but they are very persistent. 
Thank you in advance for your help on this matter.

Company response to consumer: Untimely response
Consumer complaint received 2018-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: STONEGATE MORTGAGE CORPORATION
State: WI

Complaint narrative:
My mortgage has an escrow provision. At the end of the year, on XXXX XXXX, 2017, my property taxes were not paid. I therefore used my credit card to pay the property taxes on the property. I contacted the mortgage company, XXXX XXXX XXXX / Stonegate Mortgage, and asked for a refund of what is, after all, my money. I contacted XXXX XXXX / Stonegate and asked for an immediate refund. They stated they would get to it in XXXX. 

I have contact the local municipality and have confirmed with them that the property taxes were paid through my credit card and not an escrow account check from XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Mercedes Benz Financial Services
State: VA

Complaint narrative:
On XX/XX/XXXX, I leased a vehicle through Mercedes-Benz Financial Services, and was sold a XX/XX/XXXX warranty with 'XXXX XXXX XXXX XXXX '. The payments for that warranty is made directly to Mercedes-Benz ( as part of my least payment ). 
The terms of the Warranty provides, in relevant parts, that XXXX " will pay the COSTS to repair or replace ... the tires ... due to ROAD HAZARD. ", and that " Tires are eligible for repair or replacement until the tread depth is less than XX/XX/XXXX. '' On XX/XX/XXXX, I took my car to Mercedes Benz to repair/replace a flat tire that had a nail in it. I was shocked to learn that XXXX refused to cover the replacement of my tire even though the tread depth was XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA

Complaint narrative:
The checking account was closed manually on XX/XX/XXXX because I live in PA and the bank is located in NY. I subsequently made an in-person visit to the bank on XX/XX/XXXX and instead of ensuring that there would be no other activities on the account they failed to act until the following day. Now I am being charged 7 overdraft charges. They paid some charges which I had stopped since I got verification from the payees that those payments were received I have no objection paying those.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian Date : XXXX XXXX, 2017 Report # XXXX My address was XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX is correct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these are or no my address as stated by Experian this is an apartment building with numbers after the address not just XXXX XXXX XXXXXXXX XXXX or XXXX XXXX XXXX XXXX Please remove there not my address Experian has wrong information and collect improper address. 

all it is multiple address that do n't are not right and information in error

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 2018-01-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: ACS Education Services
State: AL

Complaint narrative:
My loan with ACS changed to Conduent Education. I was informed that I would not have to change any information, and that everything would stay the same. When I went to log in to make a payment, it told me that I did not have an account and that the action was not available.

I tried changing my password, and the system recognized that I did have an account, but then it told me that there was no loan associated with my Social Security number.

I tried calling the customer service number provided, and it asked for my social security number without giving me any other options. Again, I got a response that said there was no account associated with my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I had a previous complaint XXXX about my credit card experience. I offered a solution that if it didn't work out I want to close my accounts.They tried minimum efforts to work out a solution with me: I was on a international travel and missed one call (only one call on XX/XX/XXXX) from their account manager XXXX XXXX. Instead of emailing me to schedule another call, she closed all my accounts including 4 credit cards and 2 bank accounts without my permission on XX/XX/XXXX.I was shocked when I found my saving is XXXX when came back, so I contacted the banking department to find out what's going on. They said that I personally called to close the accounts, which I never did. I suspect that XXXX XXXX stole my identity to do that.Later on, my credit cards was declined during purchases. So I called their credit card department and finally had a chance to speak with XXXX XXXX. She said I asked for it, like she never had a chance to read my complaint and solution suggestions. I listed the possible solutions on the complaint but she has no right to close my account without my written or spoken confirmation.This caused me so much trouble these days that my direct deposit has nowhere to go, my purchases was declined and I had to run to other banks to open account in the blizzard.Btw I never had credit issue, late payments or suspect ML activities.I've always been an active and royal customer with Citi but this time they did way over the line. XXXX XXXX  is not the right person to do this job.

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 2018-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Nationwide Financial Group
State: FL

Complaint narrative:
I received a Debit Card in the mail from XXXX XXXX with instructions to activate the card over the phone. I have never opened an account of any kind with XXXX XXXX, online or in person, so I called the number on the card to adv ise it had been sent to me in error. First contact with the Card servicer was ineffective, and I was told that I could activate the card or call the bank to complain. I repeatedly told the representative that the card was fraudulently opened and that I wanted it closed. Second contact with the Banking Center resulted in disputed transaction affidavit and indication that I would not be credited my 'money ' until I returned the form. Still nothing acknowledged about the account being opened without my consent. Third contact resulted in an indication the account would be 'closed properly ' only when I completed my affidavit with 'whatever information I had '. As of now I do not know if someone has opened this account to launder money or commit some crime, and I am supposed to pay for a notary to complete a form for which I have no information. I do n't know the account number that was opened but I was able to determine the personal information is correct.. As instructed I have destroyed the card I received. Nationwide obviously did not require a physical copy of any sort of ID during the Account Opening process, and has allowed a transaction account to be opened in my name without my consent in written or electronic format.

Company response to consumer: Untimely response
Consumer complaint received 2018-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Texas Guaranteed
State: TX

Complaint narrative:
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file. Despite my three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated to the Creditor Bureaus that you verified that these items are being reported correctly? You still have not identified who in your company verified the accuracy of these accounts or how they verified them? As previously pointed out to you, XXXX Law Dictionary, 6th Edition, 1990, defines Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. What this means is that your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

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