vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: MN

Complaint narrative:
- [ ] Re :  Acct #  XXXX  To Whom I t May Concern:  XXXX  This letter is regarding account #  XXXX  which you claim my account was charged off {$1300.00} This is a formal notice that your claim is disputed.     I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have  ( or ever had ) s ome contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including   XXXX   XXXX   and  XXXX   XXXX  from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.     Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.   Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Sectio n 807-8 ) Y ou will be required to appear in a court venue local to me, in order to formally defend yourself.   For the purpos es of 15 USC 1692 et s eq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.     Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.       P.S. Please be aware that dependent upon your response , I may be  detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.    Consent to pub lish the description of what  happened? Consent pr ovided This is abou t a ( n ) Debt collection : Other ( i.e. phone, health club, et c. ) Which of these best describes your issue? False statements or representation : Attempted to collect wrong a mount DESIRED RESOLUTION

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: GREAT LAKES
State: OH

Complaint narrative:
On  XXXX / XXXX /  XXXX  , I contacted Great lake s Borrowing Service to discuss concerns regarding  how interest is being applied to my student loans. I have  XXXX  loans serviced by Great Lakes s Borrowing Service.    XXXX  balance is at {$20000.00} and the other is a balance of {$9300.00}. My total payment is {$270.00}. I had recently started making a small increase in my payment to {$300.00}. Over the course of  8  payments at {$300.00}, I noticed that my interest was not decreasing, but increasing. When I called to discuss my concern, it was n't until the operator looked further into the matter, when he discovered that my loan was an Adjustable Rate loan. This news was concerning to hear, because I looked on their website for information regarding my interest rate, and there is no information regarding my rate was adjustable. I requested to speak with a supervisor, and the supervisor told me that I should look to my master promissory note for full disclosure. The supervisor said he would make note of my request because he too thought that this information should be listed on the site. My issue is that I had no idea that my loan was an adjustable rate, and I was hardly getting no where with the balance. Please help, I believe that Great Lakes withheld important information regarding my loan being an adjustable rate on their website. Nothing on their website shows when and how the rate adjusts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Coast to Coast Financial Solutions, Inc.
State: OH

Complaint narrative:
Coast to coast has a negative remark on my credit report. I just paid off that account, via   XXXX   XXXX  . It was written off and sent to coast to coast, previously.. I am NOT paying the same bill twice. This account needs to be removed from my credit report. I can forward any proof necessary, as to show that the bill is paid off. On my credit report it shows it was opened in  XXXX  or sent to coast to coast,   XXXX   XXXX   actually informed me that this account was written off back in  XXXX  of   XXXX  . Coast to coast has it written on my credit report, that it 's been recently opened in  XXXX  of this year. That is false. I want this removed immediately, as it 's paid off. Or i will seek legal action. I am attempting to repair my credit report,  one bill at a time and this needs to disappear off my  credit report.   XXXX   XXXX   has reopened my trash removal service. I 've asked to have this negative remark, taken off my credit report, and they refuse to do so. It 's also really hard to get hold of a representative from the actual company COAST TO COAST. Any mail automatically goes to a   XXXX   XXXX    which tells me that this third party debt collection agency could be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
I called  midland funding  after seeing this on my credit report.I did n't remember opening an account with them, I called, they said the account was opened   XX/XX/XXXX , and it was sold to them, they purchased it  XX/XX/XXXX she said .I asked if she will repeat what you just said, her reply was do you want to pay the whole amount today? This means the loan was paid off and sold to them.This is the dispute, it was discharged, they wrote it off and was paid in full.I still get offers  for new credit card thru   XXXX   XXXX  .I should n't still be responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 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: I.C. System, Inc.
State: IL

Complaint narrative:
I just received notice from IC  Systems of an al leged debt owed to  XXXX  in the amount of {$1100.00}. Please produce validation of this debt that I am unaware of. IC  System  has threated to report to all national credit bureaus of this alleged debt.

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 2017-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: NV

Complaint narrative:
Some years ago, I had my purse stolen. I reported it to the police department when I resided in Florida but  whomever the person was still open things in my name and I did n't find out until later . At that time when I got phone calls, I advised on the issue and sent a copy of the police report to whoever called back then. I have relocated and have no clue where the report is. It appears whatever creditor it was could n't collect so they made money by selling the unauthorized debt and I was never sent anything before hand or before this was placed on my report per FCBA guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
I 've called in today when I realized my loan payments are going up again. First off the interest rates started rising in  XXXX  in a   XXXX    month period they 've increase my interest rate to 10 %. I actually called in regarding the interest as well as IBR. My private payments are now at $  XXXX  I 've requested assistance in lowering my payments and event explained that these payments are not long term sustainable and it seems like they are trying to force me into default. I 'm at my end of the rope there solution was to basically find another job or lower my payments temporarily only for them to spike  XXXX  years later I already work a full time job and have no additional time for a second job. They are not willing to even work with customers with good payment history. I never call in I 've always just paid the payment but this has become rediculous l because of this I 'm on the verge of being homeless due to these payments they recommended letting things escalate to collections. Again that is not an option you call them to work out ways to keep from defaulting. This is  XXXX   XXXX  all over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: NV

Complaint narrative:
Some years ago, I had my purse stolen. I reported it to the police department when I resided in Florida but  whomever the  person was still open things in my name and I did n't find out until later. At that time when I got phone calls, I advised on the issue and sent a copy of the police report to whoever called back then. I have relocated and have no clue where the report is. It appears whatever creditor it was could n't collect so they made money by selling the unauthorized debt and I was never sent anything before hand or before this was placed on my report per FCBA guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: TN

Complaint narrative:
As I gathered information to give to the STATE 'S ATTORNEY GENERAL. I did a search for ONLINE INFORMATION SERVICE license. I have found they are in direct violation of TENNESSEE FAIR DEBT COLLECTION PRACTICES AC T 62-20-101. ON LINE INFORMATION SERVICE does not have a license in the state of TENNESSEE. They can not collect on a debt. TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT  62-20-105 sta tes no person shall commence, conduct or operate any collection service business in this state unless such person holds a valid collection service license issued by the board under this chapter, or prior stat law. TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT  62-20-108 ( a ) ( 1 )  Every collection service shall have, for each location at which it conducts business a loc ation manager who  has submitted an application on a form prescribed by the board. TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT  62-20-123  states a willful violation of this chapter, or any rule lawfully promulgated thereunder, is a Class C misdemeanor. ONLINE INFORMATION SERVICE is in direct violation. This will be the last communication I send before sending my evidence to the STATE 'S ATTORNEY GENERAL OFFICE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX / XXXX /  XXXX   filed claim with  Wells Fargo re ference to payment to  HOA  made  XXXX    XXXX   throug h Bill Pay and the Management company on behalf of HOA claims payment was not received. I have contacted WF b ank several times through online inquiry and via telephone as of this writing. The payment was submitted via electronic transmission. I have already retrieved proof of payment via the Bank website ; however, this information is of no use to the  HOA management company as it doe s not indicate whom is in the possession of these funds and as of what date. Therefore, I have requested  of Wells Fargo  evidence of payment such as tracer and other associated transmittal information for proof to where the funds were transmitted and received. They have indicated that there is no error on their part ; however, continually refuse to provide proof as to when, where and who is in receipt of these funds . Representatives name s on today 's call was  XXXX  and  XXXX   XXXX . Additionally,  XXXX  was urging to waist my valuable time in placing a pointless and useless conference call after business hours. The  HOA management requires that I provide this necessary information so that we may locate where the funds were  delivered. I seek your help for expeditious resolve.

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 2017-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: TN

Complaint narrative:
My mort gage company is Ditech mortgage I received documents on     XXXX   XXXX   XXXX   from  them advising my mortgage modification was approved and the 1st payment of {$690.00} would be due  XX/XX/2016 . I 've completed the three trial payments and is currently making my monthly mortgage payment. I have called monthly requesting my final modification documents. Customer Service  always state they are   processing those documents. It has been 5 month since I completed my trial payments. Please assist me with obtaining the final modification document. I also have not been receiving a mortgage statements. I would appreciate your assistance with this urgent matter.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
On  XXXX   XXXX  I received a letter from  Wells Fargo informi ng me that my PMI was cancelled as of  XXXX  the amount that was taken out for the PMI was $  XXXX  each m onth, they continued to take the money for  XXXX ,  XXXX ,  XXXX . The new loan amount was $  XXXX  they continued to take out {$1100.00} until  XXXX , I have called them at least  four tim es concerning this matter each person has a different explanation of where the mon ey is one sa y it in the escrow account, the other say they can send me {$80.00} my escrow account is up to date I just sent {$200.00} in  XXXX  to make up the shortage so I think that the money is ours and should be sent to us.im not sure if they can just take our money and as they please, I thank you f or any help you can assist me with, The mortgage is taken out of our Wells Fargo checking  account the  XXXX  of ev ery mounth

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 2017-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collections Acquisition Company, Inc.
State: TX

Complaint narrative:
sending a copy of a check is not verifying the i did it. It only mean that the check was wrote off my old account with all my information on it. Please tell me how can that verify that i wrote the check or i had knowledge of it being done. Please remove this off my credit because the way you 're trying to collect is unfair nobody asked you the approve that check yes i researched this company. Please tell me how can you prove that i wrote that check or i had knowledge of it or even say its been verified by just looking at it ... send me a copy of your license show you can do business in this State ... .if we go to small claims court you will have to prove without a doubt that you know i wrote that check or i had knowledge of it ... how can you prove that from  XXXX   XXXX  IL PLEASE SEND THE PAPERWORK THAT YOU USE TO VERIFY THIS DEBT AS BEING MINE BESIDE A CHECK THAT ANYBODY COULD HAVE USED OR EVEN FOUND

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I just completed a chapter  XXXX  bankruptcy that included the    XXXX   XXXX      home loan. the house was surrendered and the loan included in the chapter  XXXX  with the successful completion of the chapter  XXXX  the loan must now show  XXXX  balance. The updated report now shows a greater balance. this a violation of federal law and the terms of the chapter  XXXX  the   XXXX   XXXX   home loans should now read closed. zero balance.

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 2017-05-05 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: OH

Complaint narrative:
I just completed a chapter  XXXX  bankruptcy that included the  XXXX   XXXX  home loan. the house was surrendered and the loan included in the chapter  XXXX  with the successful completion of the chapter  XXXX  the loan must now show  XXXX  balance. The updated report now shows a greater balance. this a violation of federal law and the terms of the chapter  XXXX  the   XXXX    XXXX  home loans should now read closed.  XXXX  balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I just completed a chapter  XXXX  bankruptcy that included the   XXXX   XXXX   XXXX  home loan. the house was surrendered and the loan included in the chapter  XXXX  with the successful completion of the chapter  XXXX  the loan must now show  XXXX  balance. The updated report now shows a greater balance. this a violation of federal law and the terms of the chapter  XXXX  the   XXXX   XXXX   XXXX  home loans should now read closed.   XXXX   balance.

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 2017-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
Ocwen Bank submitted a Motion to Default on the home loan while I am currently 50 % ownership and was protected under the Bankruptcy  Chapter  XXXX  laws.   XXXX      XXXX  Currently I received an order substituting Plaintiff to    XXXX   XXXX    ( originally  Ocwen  ) which t he order was filed before I received the notification about the substitution which I oppose and will submit this to the court.    Ocwen  filed the Default and   XXXX   XXXX   XXXX   wasnt assigned  the servicing company on public records or properly notified all parties of ownershi p of such change.   I am the other person who has legal interest in the property and the one that is not receiving proper notification or servicing..   Please submit this to the highest level of investigation as you will find o ut Fair Foreclosure Act has be en violated along with other discrepancies with this process.   This appears to be an under handed way to obtain a summary judgment without serving me the proper complain t, notice of intent to foreclosure or corrected notice and since Ocwen is   trying to substitute Plaintiff   XXXX   XXXX   XXXX   XXXX   as Trustee for  XXXX  Master Participation Trust seems to be a conflict in its self since they have not submitted any documents as well.     This is  XXXX  starting all over again with in proper banking practices and attorneys filing documents without notification to all legal interested parties.     Robo signing practices no  XXXX  checking all servicing documents etc

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 2017-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Please verify this account and please send me the original contract bearing my signature not a computer generated  Bill or i temized statement

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My stepmom has a savings and checking account. Before leaving for a prolonged trip in  XXXX   XXXX ,  2016,   she had in saving accounts at t Wells Fargo  {$5300.00}. In checking account, as of  XXXX   XXXX , had {$9500.00}. Through an  XXXX   XXXX  account of unknown origin, a total of {$14000.00} was removed from checking account and {$2700.00} was removed from saving account.  Wells Fargo  gave back {$6500.00} from checking account and {$1700.00} for saving. When asked about the rest of the m oney, Wells Fargo manager sa ys that they are not responsible for it because we did not enquire about missing money until past the 60 days. My stepmom was out of town for  8  mo.s and did not internet access established.   There is still over {$8600.00} missing from her account for wh ich Wellsfargo does not take responsibility for, stating that it was past60 days that we notifie d them.

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