vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Since XX/XX/2019 I have been receiving unwanted harassing telephone calls on my cell phone from a company called Midland Credit. I have been called from ( XXXX ) XXXX on XXXX at XXXX XXXX and again on XXXX at XXXX XXXX, after which I blocked the number, as I do not have any debts and don't even have a credit card. Since then they have called me from ( XXXX ) XXXX on XXXX at XXXX XXXX  ( blocked ) and just this morning from ( XXXX ) XXXX at XXXX ( also blocked ). This company has a notorious record of harassing innocent people seemingly at random with daily unwanted and unnecessary phone calls. They don't even leave a message so I don't want to have any direct contact with such unscrupulous people. I want this stopped and if they don't stop these calls I want to go on record that I feel I deserve financial compensation from them for enduring this abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Creditors Service Bureau Inc
State: KS

Complaint narrative:
Received numerous collection letters regarding multiple accounts they allege i owe debt is owed to, have asked for verification to identify the debt, debt verification when produced has not matched known medical records or insurance records i have on file. Asked to have debts removed, debts have remained on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Third party debt collection company harassing and attempting to collect a debt that does not belong to them and is not owed. Misleading and inaccurate reporting is preventing me from current job employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: AL

Complaint narrative:
I have paid my fire district dues each year since I purchased my home in XXXX, except for XXXX. I refinanced in XXXX, and in XXXX XXXX XXXX paid that from my escrow account. I called and was told orally they wouldn't do it again, followed by letter and a notation on my account page on the web site. XX/XX/XXXX with no notice to me XXXX XXXX agent cut a duplicate payment against my escrow account, which was returned uncashed by the fire district since I paid my bill. Each time I called XXXX I was told that it always pays fire district dues ( you can see from attached pmt history that was not the case XXXX, just XXXX ). Based on this transaction XXXX sent me a " deficiency '' notice requiring {$300.00} from me or they will jack up my monthly payment by more than {$55.00} per month. If someone will just " find '' or stop payment on the uncashed {$320.00} check it will more than cover the so-called deficiency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Allied Collection Service, Inc. (Indiana)
State: FL

Complaint narrative:
To Whom it may concern, Below is the letter that I sent to the creditor over 60 days ago to dispute the reported debt. To this day I have not received any response from the creditor. Also, I never received anything stating that this debt would be added to my credit report and have not received any kind of written notification.

To Whom it may concern, Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : 1. Proof that you either own or were assigned the debt from the creditor.

2. Proof that you have the right to collect this debt in my state.

3. Proof that your company carries a bond.

4. Proof that the Statute of Limitations has not expired.

5. Complete payment history on this account along with an accounting of all additional charges being assessed.

6. Copy of the original contract bearing my signature.

7. Your license numbers and Registered Agent 8. Name and address from the original creditor.

Please do not send a computer printout itemizing your outstanding debt, as this is not sufficient proof according to the Fair Trade Commission opinion letters. 


Thanks in advance,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
problem started started with XXXX XXXX in XX/XX/XXXX.refinanced my home and was told my new payment would be XXXX a month.They were suppose to include my taxes and insurance.I was then contacted and told they forgot to include my taxes and insurance and jacked my payment up to XXXX.I told them from the beginning I was XXXX and .They said they were sorry but they could not help me. addressXXXX XXXX XXXX nj XXXX phone XXXX.just found out my loan was sold to chase loan XX/XX/XXXX phone XXXX ext XXXX loan officer .Address jp morgan chase XXXX XXXX XXXX, XXXX ohio XXXX.I called them and asked them if they could give me a cheaper rate and was told no, even though I am XXXX.I just received a letter and said they would refinance now and want to charge me XXXX in closing cost and XXXX in cash to close.I am suppose to have a XXXX  XXXX   loan.I am trying to find someone to help me I am a widow on XXXX.If I cant find help I will have to move.I have been in my home for 33 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Performant Financial Corporation
State: IN

Complaint narrative:
I have student load debt from XXXX. The original lender was XXXX XXXX, then XXXX. Within the last 4 months it was transferred to XXXX, XXXX, and then XXXX XXXX etc. I have not received any update on transfer. On XXXX, Performant called my XXXX year old grandmother re my student debt. My grandmother is not a co-signer nor contact from the original debt. She is also XXXX. When she answered the phone, Performant told her that I had a debt and if I was not available could they speak to XXXX XXXX ( my mother ). My mother is not a co-signer on the debt. As my grandmother tried to figured out, the helper came into the room. She saw my grandmother in distress and took the phone. At that time, Performant also told her that I had a debt. At that time, the helper asked for contact info and Perfomant refused. She called my mother who in turn called me. I went online and called the general number to resolve the issue. It was frustrating because I could not get any information no the nature of the debt all though Performant told my grandmother and her helper. I've tried to get documents in the mail and Performant refused. It is very confusing to keep track of student loans when it transfers to several different lenders within months with no written communication. Additionally, now, my grandmother is concerned about my debt and she is in frail health.

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 2019-02-04 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA

Complaint narrative:
I was illegally served an unlawful detainer for an apartment I was leasing a couple of years ago. When it came time to go to court and I had proof of the illegal service, the company decided that it was best to settle. We then agreed that I would have XXXX balance and my debt would be erased without prejudice. About 6 months after moving out, I received a call from a collection agency. I reached out to the original creditor and asked them what was going on, their response was " No you still have to pay! '' I then disputed the charges as I was obviously not responsible for the bill as agreed in a superior court. 

Fast forward, I have received additional calls and hardships and when I contact the original debtor now, they have been bought out by another company. Even after presenting evidence to the collection agency the lady said " I've seen times where it doesn't matter that you have a judgment in your favor. You still have to pay! '' How can a creditor blatantly ignore a court of law? This has caused me to miss career opportunities, housing opportunities, and it's even caused an unnecessary burden on my relationship.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My information was breached and leaked out to the public and someone is trying to apply for credit and placed lots of inquiries on my credit report Experian stated to me that they have never received my information when it was received by mail and tracked that experian received my information and lost it I have been in a emotionally distressed state and I seek to file a lawsuit if this situation is not resolved I request all 3 credit companies update my information and make corrections

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 2019-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
inaccurate information, information does not belong to me

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 2019-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
This debt collector contacted me at my job, I asked them not to call me, they went through the entire company directory however my work phone number is for work-related business matters only and I can not accept personal calls. The company is portfolio recovery and they keep harassing me calling from various numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under Ability Recovery Services. I requested a validation on XX/XX/XXXX as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and accounts were listed as disputed by consumer but I had not received any correspondence from creditor to validate this account as correctly belonging to me. Therefore on XX/XX/XXXX I sent a 2nd validation letter. Credit report was reviewed again on XX/XX/XXXX and the account is still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally access my medical records and to attempt to collect on this account and these accounts continue to negatively affect me.

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 2019-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I never had this problem before. So I go into wells fargo to open a business account. they take a week and a half to get back to me only to tell me my account was unapproved. The reason is because of a low personal credit score. I was under the impression that a business stands on its own, and by the way, I have a good business credit score. I literally have not had this issue with any other bank I've ever done business with. Then the representative has nerve to give me an attitude. I feel wells fargo is slow, unprofessional, and rude and is why this report was made so others would be made aware of their practices before getting involved.

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 2019-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: NJ

Complaint narrative:
I sent money via western union to a relative in XXXX from a local XXXX store in XXXX and the recipient never received the transfer. After many calls and complaints it has been determined by western union the transfer was completed and delivered t o the recipient. However i learned while on a call that someone fraudulently stole the recipients identity and received the transfer. Now Western Union having this evidence will to refund my money. Western Union requested i file a police report, when i went to the XXXX precinct today they told me they could not file a report since the crime did not happen in New York, but rather in XXXX. 

I NEED HELP, XXXX XXXX DOLLARS ARE LOST. WESTERN UNION WONT HONOR A FULL INVESTIGATION, they simply say that protocol was followed by the agents in XXXX and that's that.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have had many problems with Wells Fargo and they recently sent me a check as liquidated damages for opening fake accounts in my name. More importantly though from XXXX through XXXX I have been charges bogus " account analysis '' fees on several accounts ( including dormant account ) for which absolutely no services were rendered. I had never agree ( at least knowingly ) to pay these fees and still don't understand what exactly they are meant to be for. It is for sure another Wells Fargo scam. As they were small monthly amounts that always varied, I did not notice them. When I finally managed to talk to somebody - they suggested that they reverse a couple of month. I asked WF for complete accounting and much to my horror was told that I had been charged a total of {$9100.00} in fees - so with interset this is way over {$10000.00}. I assume they have done this with millions of clients so they defrauded their customers potentially for billions of $ 's I have all the back up. 

Here is the email I received from them. It's outrageous. First they opoen ficticious accounts in my name and now this! 

Hello XXXX, As promised, I have the total fees for all accounts. Please let us know if you have any questions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$310.00} XXXX - {$330.00} XXXX XXXX XXXX XXXX XXXX - {$390.00} XXXX - {$710.00} XXXX - {$720.00} XXXX XXXX XXXX XXXX XXXX - {$240.00} XXXX - {$250.00} ( {$90.00} was previously waived ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX - {$190.00} XXXX - {$430.00} XXXX - {$690.00} XXXX - {$1000.00} XXXX - {$950.00} XXXX XXXX, XXXX XXXX XXXX - {$550.00} XXXX - {$390.00} Total - {$9100.00} Kindest regards, XXXX XXXX XXXX Banking Relationship Specialist ( LO ) Regional Business Relationship Management

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 2019-02-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GATEWAY FIRST BANK
State: TX

Complaint narrative:
My father passed away on XX/XX/2018 and left behind a new mortgage that hed only lived long enough to make a single payment on. My sister and I have been trying since his death to assume the mortgage, but the mortgage servicer gateway Mortgage Group has been either unwilling or unable to give us a straight answer on what needs to be done or how we can pursue an assumption. They have been giving us the run around for months while charging fees and interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NCC Business Services, Inc.
State: TX

Complaint narrative:
inaccurate information, information does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
INACCURATE INFORMATION NOT MINE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc.
State: CA

Complaint narrative:
Last year in XX/XX/XXXX I had a visit to XXXX XXXXXXXX XXXX XXXX XXXX. After being checked upon by doctors and mentored by nurses, I was advised that everything looked fine and asked to check out at the front desk. The receptionist looked up my insurance information and I paid the co payment of {$100.00} through visa. XX/XX/XXXX, without no letter or notification from this hospital, I seen on my credit report a bill from a collection agency callesd Aargon Agency with the oringinal debt of XXXX to XXXX XXXX XXXX XXXX XXXX. I already paid this bill in full and the hospital said they contacted the agency to have it removed. Unfortunately the debt has not been removed. This has hurt my credit score dropping 140 points. I would like this resolved immediately.

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 2019-02-04 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My child support payments come directly out of my check every month and has been for several years but the credit bureaus had been reporting late payments to my credit file dated back as far as XX/XX/2012 and this has hurt my credit.

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 2019-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian recently responded to complaint # XXXX ; however, they continue to demonstrate willful misconduct by failing to address the specifc nature of the complaint. 

THIS IS NOT A REQUEST TO VERIFY THE DETAILS OF THE PUBLIC RECORD IDENTIFIED IN THIS COMPLAINT. 

Again, I am providing factual and relevant information proving Experian 's unlawful credit reporting activiy. The public record IS NOT REPORTING CONSISTENTLY within Experian 's organization - how can this be? v I received correspondence from Experian on XX/XX/18 and that alledged verified information is NOT what Experian is currently reporting to lenders ( see dated factual evidence attached ). 

I have had enough of Experian 's dismissive nature. They continue to violate the Fair Credit Reporting Act. DO NOT SEND ME ANY CORRESPONDENCE REGARDING YOUR " VERIFIED '' INFORMATION. 

I am specifically requesting an INTERNAL INVESTIGATION as to why ONE entity ( Experian ) is reporting ONE " verified '' account TWO different ways.

The continued lack of acknowledgment willful negligence to correct or delete this record is a direct violation of the Fair Credit Reporting Act Section 611 ( a ) ( 5 ) ( a ) ( i ). I will be forwarding this and all correspondence to date to XXXX XXXX at the Illinois Office of the Attorney General. She has been in contact with Senior Regulatory Affairs Department at Experian.

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 2019-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: American Credit Acceptance, LLC
State: GA

Complaint narrative:
I purchased a car XX/XX/XXXX, the finance company ( American Credit Acceptance ) haven't reported any of my payments to the credit bureaus. I've called and made all payments on time their response were they are backed up. The loan hasn't even been reported to the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
INACCURATE INFORMATION NOT MINE

Company response to consumer: Closed with explanation