vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Aldridge Pite, LLP
State: GA

Complaint narrative:
My house has already gone through the process of foreclosure. I was notified by my insurance company that XXXX requested to be added to my insurance account just a few days ago. Afterwards, I contacted XXXX and from there learned that Superior Court already had documents pertaining to a foreclosure, but I 'm still in the home. I picked up documents from a case that was filed and documents that show XXXX and others holding my title at this time, and I was never notified. The filing process started back in XX/XX/2016. Please see documents attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
This is in complaint against collection agency Midland Funding. 
Accounts in reference are all held by Midland Funding- XXXX for {$470.00} with XXXX ( original creditor ) In XX/XX/2016, I became aware of some old collection amounts that were generated from an unauthorized user pertaining to the above mentioned accounts. I was told by local police jurisdiction that not much could be done but that I could file an affidavit stating my case for the purpose of record. 
I spoke to XXXX on XX/XX/2016 and requested itemized charges relating to the time period in question. He said he would get them out to me in 7-10 days. 
On XX/XX/2016, I received a response from manager XXXX XXXX stating that a determination was made that this is my debt but that a police report or affidavit may be submitted for further review. I responded back by mail that I needed itemized invoices and signatures of purchase or any other means by which to differentiate actual charges from unauthorized charges. I have received nothing. 
I have subsequently raised the dispute issue with all XXXX credit reporting bureaus requesting conformity in trying to obtain this information as well. My understanding of the attempt to dispute resulted in nothing more than the bureaus validating common and general information of my identity to validate debt ... .and then subsequently standardized a generic dispute response that " creditor meets FCRA requirements ''. 
This process is broken and unethical and heavily favors the relationship between bureaus and collection agencies, lenders and creditors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
Trans world Systems Inc call nonstop from numerous different numbers several times a day, both robot calls and human callers. They never leave a message, when spoken with they refuse to give any info just want me to pay them I do n't know if I even owe as they refuse to send any info to validate. They threaten legal action w the courts, wage garnishment and use bullying tactics to get me to give my personal SS & DOB but refuse to give me any proof I owe any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Zealandia Holding Company, Inc.
State: IN

Complaint narrative:
Recently I began receiving phone calls requesting to speak with my mother who has been dead for more than 9 years. The first few times the caller hung up when we told them she was unavailable. Then they began asking to speak with me, or my mother. After I would " verify '' my name I would be asked to verify my social security number, or my address, date of birth and or email. When I would refuse to give my ss # the caller would become more aggressive and demanding saying I have an outstanding bill and need to pay the collection agency that they are with. Today ( XX/XX/2017 ) I thought I would make an attempt to clear up any misunderstandings. After a hostile " conversation '' with " XXXX '' ext. XXXX at the phone # XXXX I had to resort to filing a complaint with the Indiana State Attorney General 's office who then told me this was a scam and to file a complaint with the Federal Trade Commission. XXXX was extremely hostile and aggressive on the phone. Insisting that I verify personal information even though he called my phone number. He stated that my mother owed a timeshare company, XXXX, almost {$3000.00} and that I too owed that amount. I stated that she was deceased for over 9 years and that all debts from her estate were paid in full when her estate was closed. He insisted that I was named in this invoice and that I was being aggressive and hostile because I would not verify personal information and had hung up on calls when I was requested to give them this information. He continued to yell at me through the phone. When I asked for proof of a contract she said I would have to call member services to receive this documentation. 
I asked for his information and after several and specific requests this is what I was provided : XXXX. EXT XXXX XXXX Zealandi ( I verified the exact spelling ) XXXX XXXX XXXX. 
XXXX, N.C. XXXX These phone calls are extremely harassing. 

This company and any complies associated with this ( including the timeshare " XXXX '' ) needs to cease calling my home, cell phone, sending emails and mail. 

Any credit reports filed against me or against my mother need to be removed immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
unaccurate, not correct calulation, bad on math anyway u want to call it. this is for santander XXXX financing my car case number # XXXX my email XXXXXXXXXXXX OR XXXXXXXXXXXX cell XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Prepaid card — Mobile wallet
Issue: Fraud or scam — 
Company: Blackhawk Network Holdings Inc.
State: SC

Complaint narrative:
I purchase a number of reloadit cards from a XXXX and XXXX stores .I added funds to the cards and opened a safe online as the reloadit company told me to do .I loaded the packs to the safe total XXXX $ well reloadit block the safe saying it was illegal use and ask me to send copy 's of receipts of the last three packs that were load to the safe, with proof of I.D I sent the last four receipts, and proof of I.D, The company said to me my case is under review and some one from a risk department will get in contact with me .well it has been almost two months and no department has attempt to call me concerning my funds in the safe. I call every week they want allow me to talk with this so call risk department. ..saying the risk department will contact me nor will they tell me the amount in my safe ....

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Citi Management Group, LLC
State: TX

Complaint narrative:
Continue to receive calls for debt that is not mine. Similar name but a different person not me.

Company response to consumer: Untimely response
Consumer complaint received 2016-05-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: The Student Loan Project, Inc.
State: OH

Complaint narrative:
We were contacted from The Student Loan Pro who knew all of my information about my student federal loan. They told me I could pay them XXXX to consolidated my student loans. Never once mentioning this is a free service through the federal government. When my wife called on her student loans they explained its a free service to consolidate the loans and that we should contact CFPB on what was being done.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
Convergent outsourcing/ XXXX fraudulent account is reporting a collection on my XXXX credit reporting XX/XX/XXXX I submitted a police report and identity theft dispute pursuant to FCRA 15 U.S.C. 1681-c2 identity theft states the credit bureau and debt collector will delete the account and stop it from reporting within 4 business days. Both XXXX and convergent outsource willfully violated the FCRA Act.

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 2016-08-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Data Check of America LLC
State: CA

Complaint narrative:
I have received several calls from Data Check of America and from a law office ( XXXX XXXX, I believe ) regarding a check I apparently wrote to California XXXX University, XXXX XXXX in XXXX. The total amount they say I owe, including their fee, is {$170.00}, approximately. They are threatening to take legal action if I do not pay. 

I have called XXXX XXXX XXXX at XXXX XXXX on the matter and they told me that they are not pursuing any debt from me, that they can not pursue any debt more than XXXX XXXX XXXX, and that they would not take anyone to court over a debt so small. XXXX XXXX does not refer debts to Data Check. They are currently using Credit consulting Services. In the past they went through XXXX XXXX until that company disbanded and apparently disappeared. XXXX XXXX has received ten similar phone calls and believes there may be more unreported. 

I have no supporting documentation, despite the fact that Data Check says they have sent me several letters over the years. In a phone call today, XXXX/XXXX/XXXX, They gave me a last chance to resolve the debt before starting paperwork to take me to court. In a previous call they wanted me to set a court date. When I asked them today to tell Data Check to send me some documentation, they told me they were " not going to play this game anymore. See you in court. '' The phone calls have not been abusive, but threatening ( I would consider talk of legal action " threatening ).

Company response to consumer: Untimely response
Consumer complaint received 2017-04-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
My Bank used a loan servicer ( XXXX ) to do their work of loan servicing. I paid my XX/XX/2016 payment of {$1000.00}, and the money was debited from my account, yet never showed up as payed to my mortgage, nor was it relayed or forwarded to my new loan servicer ( XXXX ). So my current principle is too high, my interest deduction XXXX form is incorrect, and to date Ive spent about 30 hours on the phone and researching what happened. 

What do I need to do to have an investigation of where my money went, and who is responsible for finding it and applying it to my loan and issuing corrected XXXX for taxes which are due in one week? 
Additionally, I 've attached the closing documents, which indicate the amount financed is {$190000.00}, which does n't make sense, because the loan that was transferred to the XXXX servicer, is shown at {$190000.00} which is greater than the total amount financed in the closing documents. How is that possible???? 


Please Help! 

Best regards, 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 2017-04-05 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: Diversified Consultants, Inc.
State: TN

Complaint narrative:
XXXX service was cancelled back in XX/XX/XXXX. They sent me a bill ( I do no longer have ) describing charges due for equipment not returned. Equipment was eventually returned. I made several attempts through the past 3 years to get this debt resolved to no avail. This was then turned over to Diversified Consultants in XX/XX/XXXX. I had not received anything via phone or email regarding the change. XXXX would not longer speak to me on the manner. I finally found the information on my credit report as I am trying to refinance my mortgage and improve my credit score. I spoke to them on XX/XX/XXXX. They advised that the debt was for last month bill. This is not what XXXX advised me it was for. 
I decided to pay the amount in full to get this completed even though equipment was returned and final bill was paid prior. This is newly on my credit report and I need to have it removed ASAP. It has been fully paid. They advised they could only issue deletions after 90 days. I need ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: AmerAssist A/R Solutions, Inc.
State: PA

Complaint narrative:
Ameriassist debt collector has called me all through out the day and night. " XXXX '' has called my family members telling them I am in debt, and even called my boss and told them they were collecting my debt, thanks for the humiliation. This is a debt of the birth of my child, I was told my insurance was going to pay 100 % of it therefor I am trying to work with my health insurance and my hospital concerning this issue. The lady XXXX from ameriassist told me to pay her XXXX $ and she will leave me alone for XXXX month. Luckily I was pay day and I did have that money at the time even though money has been a struggle for me now as a single mother.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am writing to complain about Wells Fargo checking account services and have decided to close my checking account ( no joking ), because Wells Fargo is the worst bank I have ever seen in providing checking account services. 

On XX/XX/2017, I received a call from a so-called Wells Fargo banker via a mobile number XXXX, XXXX, OR. He said that he wanted to verify some personal information with me. Being in public and without me further questioning his real identity, I declined his request and wanted to schedule another time for talking on phone. However, he said that he could not even call me even if he was on the phone at that time. I think this is really ridiculous and finally we agreed that I would call him another time with his numbers. 

On XX/XX/2017, I tried to use the debit card on XXXX to send money to my friends.The transaction was unsuccessful and the instant email from Wells Fargo said that my account had been closed and delivery preferences had also been updated to the mail one. This really makes me angry because being unable to verify personal information due to inconveniences leads to account closure on the following day. I understand that a bank is not a service institution but Wells Fargo 's action is really annoying and unfriendly to its customers, which leads to my terminations on Wells Fargo 's debit card product. 

I also want to share another story. When I tried to open the Wells Fargo checking account on line, I used my XXXX credit card to fund the account for {$50.00}. The payment authorization was made in late XX/XX/XXXX. The funny thing was that the money was debited in mid XX/XX/XXXX. Being unable to verify the source of the charge with my card issuer XXXX, I reported this transaction as fraud and my Wells Fargo checking account was closed, or suspended more specifically. To solve this problem, I went to a Wells Fargo branch in XXXX, CA to verify everything, including original and hard copy of SSN card and Driver 's License, and was informed that my account online access would be restored in a moment. However, it was another funny thing that after 3-business-day wait I still could not access my account online and had to call in to get problem solved. I firmly believe it is so much hassle to deal with Wells Fargo. 

In order to avoid further hassles with Wells Fargo, I firmly request that my Wells Fargo checking account should be closed and the money on the account, around {$49.00}, should be mailed to me by a check. Like Wells Fargo can change my account delivery preference at its sole discretion, I also want to limit how Wells Fargo should reach me. I wo n't accept any calls from Wells Fargo even if I have filed the complain online with my phone number on file. Everything should be done in written format.

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 2017-03-30 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
About 10 years ago, I took out a {$230000.00} home equity loan on a rental property located at XXXX, XXXX, CA. My interest for the loan for the first ten years was 4.24 %. I have now been informed that my new interest rate will be increase to 6 % without having been told of this fact when I signed up for the loan ten years ago. When I originally signed the loan, there was an 18 page document which I signed which was hidden and stated there is a 8 % margin on my loan after ten years which was never explained to me. I have contacted Wells Fargo over 20 times during the past ten years for a clarification as to when is a " margin '', but no one was able to explain it to me. There was a complete failure to explain or disclose to me what impact a " margin '' would have on my loan after ten years. I am a XXXX senior and I feel that I have been misled and deceived into agreeing to a bad, fraudulent loan.

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 2015-05-28 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: Earm LLC
State: TX

Complaint narrative:
Was informed that I owe on a old payday loan. Was told their are XXXX actions pending against me.. They said I committed a a fraud by taking out such loan and not paying it back.. They claim the debt was from sometime back in XX/XX/XXXX and it was charged off in XXXX They informed me that they contacted my current employer.. But at the time I was not employed by them.. They also said the debt was sold to them, and I owed them now.. The mentioned my current bank but a old account number.. The also told me my old address.. When I asked them for their company name, their current address, on women told me the name of the company MAC and current location as in front of her desk?? I also pressed for the company that I orginally had the loan from, the account number, the companies ( whom I owed ) current address and contact information.. I was told that they could not and would not provide me with such information ... I was also informed a server would show up and serve me with papers to appear in court.. When I asked them, how is that possible when they did not have my current address. Her reply was the server has it and will show up today XX/XX/XXXX at XXXX Well the time came and went.. I was finally able to get one person who I talked to, to give me her name and email address. Her name was XXXX XXXX, with a email address of XXXXXXXXXXXX ...

Company response to consumer: Untimely response
Consumer complaint received 2017-04-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I have student loans serviced by Navient, Account number XXXX. I have just started paying my loans because I have been underemployed and a single mom and not able to pay. During the time I was unable to pay, I requested a forbearance which was approved. However, my $ XXXX loan has XXXX of capitalized interest now. This seems excessive and now my principal balance is $ XXXX. I feel like I will never be able to be out of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Patient Accounting Service Center
State: CA

Complaint narrative:
i visited hospital on XXXX/XXXX/2015 and at the time had a XXXX XXXX of California. now one year later i have receive a bill from colection name ARstrat for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Transunion is reporting a bankruptcy that was discharged I sent them a dispute they stated they verified thru XXXX I have enclosed a letter from the clerk of court which they Do Not provide or verify bankruptcy Transunion violated the Fair Credit Act by providing me False information I want the bankruptcy deleted from my file

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 2017-03-26 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Clarity Services
State: UT

Complaint narrative:
Clarity Services has pulled hard inquiries for multiple payday loans, for numerous companies without my knowledge or authorization. I am in a Chapter XXXX bankruptcy, so I am constantly checking my credit reports for things like this. I disputed this with Clarity directly, as well as XXXX. Clarity has responded by requesting a copy of my drivers license, SSN, DOB and address, along with the names of the payday companies. This info was originally submitted to them with my dispute, minus my SSN. I have read horrible reviews about this company and am very hesitant to supply the additional info they 've requested.

Company response to consumer: Closed with explanation