vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Securus J Holdings, LLC
State: OH

Complaint narrative:
The Jpay company is a service provided to sell products to the XXXX of Ohio such as media players, games, music, stamps for email communications, etc. Yet this company is just ripping the XXXX  off by selling defective products, and abusing the system for profitable gain and not rendering adequate service. I purchase my son XXXX XXXX # XXXX a XXXX media player at the cost of {$150.00} and paid {$50.00} for games & music to be loaded on it. The media player arrived at the XXXX defective and would not work. My son has been complaining to this company for months and they refuse to even acknowledge his every attempt to correct or resolve the problem.I am on a fix income and do not have money to give away to this company. They also kept the {$50.00} and refuse to give it back as well. My son is not the only one this has been done to according to XXXX XXXX search. I am hoping you can help us retrieve another player that works and forward the music & games that was purchased or give money back. I pray that you take a good look at the what this company is doing because they feel the XXXX are powerless against them because they can't speak out for help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wachovia Bank Wells Forge Bank / XXXX XXXX To Whom It May Concern : I am being told that on XX/XX/XXXX, I closed on a loan with Wells Forge Bank, this loan paid-offed an existing loan with Wachovia. I am requesting all details of that Wachovia loan, such as, 1. When was it originated?

2. What was the total loan amount?

3. Was it a secured or unsecured loan?

I am being told that the loan that closed on XX/XX/XXXX, was paid on time until XXXX, I am requesting details such as, 1. What month in XXXX was the last payment made? 
2. What was the balance at that time in XXXX? 

Because I do not recall applying for a loan in the amount of {$36000.00}, in XX/XX/XXXX, I would like all details about this loan, such as, 1. All loan origination documents signed by me / not the homeowner. 
2. All loan origination documents signed by the homeowner.

3. A full accounting of all Trustee payments remitted to Wells Forgo and XXXX XXXX totaling {$22000.00}. 
4. What does Other Fees represent in the amount of {$5800.00} to be paid to XXXX? 
5. What is a Corporate Advance in the amount of {$4700.00} to be paid to XXXX? 

In closing I would like to say, as confused as I am about how this loan was originated it became even more confusing after I watched The CEO of Wells Forge Bank sitting in a Congressional hearing and admitting that Wells Forge employees due to pressure to open accounts had without customers knowledge created documents and opened accounts. I truly believe I am a victims of those activities. 

Thank You,

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 2019-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: MN

Complaint narrative:
I had XXXX trying to collect a phone service plan from me that I never opened. I told them I never signed a contract had never been in their store that this debt isnt mine. They turned it over to collections - I told them the same thing. They have now reported it on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
last year I received a renewal offer on an American Express card which I have had for many years. There was a large fee for renewing and I decided that the card was no longer needed so I called the phone number listed and spoke to a rep. who tried to change my mind. As a result she thanked me for my many years of usage, advised me that there was no payments due, to cut up card & terminated the call. Shortly after I started receiving calls & emails & letters for the renewal fee. I informed them that I did not wish to renew & was told that I did not have that option. I have since been returning all correspondence unopened & responded to their emails as harassment, yet they continue. I have told them that renewal is at my option.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-04 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: CA

Complaint narrative:
a collection account named XXXX XXXX XXXX is showing on my credit report with a balance due. This account was discharged through Chapter XXXX bankruptcy.

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 2019-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have asked for debt validation on a collection that appeared on my report in XX/XX/XXXX of this year from XXXX XXXX XXXX. Multiple agencies have " validated '' the debt ( Equifax and XXXX ) but they have not updated ANY date, have not forced the reporting company to provide the date the debt was first delinquent ( and they would realize it was well past the 7 year period or not mine ; ) have not provided validation methods etc. I have asked for all of this to be provided. This debt may not be mine, and even if it were, the date would have been well past the 7 year reporting period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ResidentCollect, Inc.
State: FL

Complaint narrative:
I have tried to call this company several times and speak to someone that is willing to listen and help. They have placed on my credit report for XXXX XXXX XXXX at which I have called to try and have the debt verified, the owners are new owners and therefore do not have the ability or can not verify the information. 

I have asked several times from this collection agency to pass me along to a supervisor and they either argue that there is no other person to speak to or hang up. 

I would like this rectified for I am trying to buy a home and this is not allowing me to. 
I am willing to settle for 1/2 but cant get that far in the conversation. They want a full amount and I am not paying that for they cant even properly verify the information. 
I just want this deleted from my credit reports!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: PA

Complaint narrative:
To Whom it May Concern : I obtained a loan through Guaranteed Rate ( GR ) in XX/XX/XXXX. The location of my property is XXXX, PA. The home I purchased was a brand new constructed building ; therefore, I was able to obtain a 10 year tax abatement. When the new escrow analysis came out in XX/XX/XXXX, GR substantially overestimated my tax payments, as their analysis disregarded the tax abatement. This resulted in an overpayment to the City of XXXX of {$2700.00}. Further, the estimated monthly payment exceeded my correct payment by approximately {$750.00} per month ( i.e. overstatement of taxes and shortage of payments for the beginning of the year ). I contacted GR in late XX/XX/XXXX, they informed me I needed to contact the City of XXXX to obtain the necessary documentation related to the overage. I received the documentation from the City of XXXX, and appropriately forwarded such documentation to GR. About two weeks later I contacted GR to follow-up. The representative told me they received verification, the analysis had been completed, and I would receive confirmation of the change along with the new calculation and any reimbursement. As of XX/XX/XXXX, GR, which is the servicer, once again took the incorrect payment in the form of my automatic payment. I contacted GR today to see what was going on. I spoke to 4 different representatives, all of which forwarded along to someone of no assistance. One individual relayed to me that they are waiting for the refund from the City of XXXX to change my payment and reimburse me for my overpayments. However, she stated this can take up to 46 weeks. I asked why I would be responsible for paying in excess of {$750.00} per month for up to 9-10 months ( i.e. approximately {$7500.00} more than legally required ). She stated " that's just how it is. '' GR, the servicer, made the error in the calculation, I have provided documentation from the City of XXXX, and GR has received confirmation of such documentation from the City of XXXX. However, GR refuses ( multiple times ) to  address the issue and lower my payment to my legally responsible payment. If I pay less than what they have calculated I could potentially run into credit issues and/or have to worry about defaulting on my loan and my property go into foreclosure. I am not responsible for lending ( or floating ) GR  excess funds because they failed to accurately calculate the required payment. Further, the Branch Lender inquired about re-financing my loan and I informed him of my issues. His response included the statement, " we can fix the servicing issues with a refinance. '' I should not be liable for the servicers errors and demand that my monthly payment is reduced to its required amount and I receive reimbursement for overpayment. Overall, the behavior exhibited by this entity and its representative is unwarranted, unlawful, and must violate some subsection of TILA or RESPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: EOS Holdings, Inc.
State: RI

Complaint narrative:
XX/XX/XXXX - I called to obtain information on where to mail payments or how to pay online and requested they no longer contact me on my personal phone number and that they are unauthorized to contact my place of employment, friends or family about this debt moving forward. They kept putting me on hold, hanging up the phone on me, not confirming they will end phone calls. I spoke with manager XXXX, who would not provide me with his full name and said they will continue to call me. I stated by law once notified they have to end phone contact to which he kept avoiding acknowledgment of my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I am being harassed on a daily basis by Select Portfolio Servicing.

This is my second complaint as they just closed the first one yet keep harassing me. 

My XXXX  XXXX XXXX Loan was transferred to SPS. This loan is in the estate of me deceased Life Partner XXXX XXXX. When the loan was trasferred, everything should have been in place and I should not have to relive the past trying to prove how I have and that this was my partner and that I own this home. Back then XXXX marriage was not legal and thus I'm being drug through the mud to prove something that happened 13 years ago. This is harassment and this is discrimination. 

SPS say my payment is lower than it was before but refuses to explain. There is no reason why my payment would have gone down. I ALWAYS make my payments on time and I make an EXTRA {$500.00} PAYMENT EVERY WEEK on this loan. There is no reason I need to do anything except making the payments. 

I now receive at least one or two pieces of mail every day from SPS. I now refuse to open them and return to sender. When I open my mailbox, and see the letters EVERY DAY, I immediately feel pains in my chest. Yes this is real. XXXX XXXX XXXX has harassed me for 13 years and now it's starting all over again. It it doesn't stop I'm going to end up in the hospital with a XXXX XXXX or XXXX. It's not a joke. 

SPS needs to cease and desist. I have done nothing wrong. I am making payments on time and overpaying the loan. Why does this harassment persist? STOP. LEAVE ME ALONE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: VA

Complaint narrative:
I have been disputing this alleged account on all 3 credit bureaus for months now. I have sent certified letters directly to the collector and asked them to provide proof. They sent me forms that were NOT filled out by me or signed by me. They also have changed the alleged amount owed by {$5000.00}. In XXXX on my credit it showed a balance of {$21000.00} and now since disputed shows {$26000.00}. This is a violation of the FDCPA 15 USC 1692 F1.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
XXXX trans. Without my knowledge for {$200.00} on XX/XX/XXXX by a name n number from Georgia I dont use XXXX. 
I dont even know a XXXX XXXX XXXX  XXXX XXXX XXXX Bank of America i contacted. Filed a claim Today XX/XX/XXXX. They emailed me and denied my funds to return back. 

15 years loyal customer and they tell me im not entitled to my money. 
They robbing you. Its not right. 
Its the principle i see others had the same problem. Taking months which is XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax did not update my address. My address is XXXX XXXX XXXX XXXX, TX XXXX please update this. On second note equifax has not corrected the identity theft on my report. There is XXXX XXXX bank line of credits that are fraudulent XXXX limit {$XXXX} and XXXX limit {$XXXX} and additionally a fraudulent XXXX line of credit with a {$XXXX} limit I have not opened any accounts at XXXX, nor XXXX a thief has opened these as a result of identity theft. Lastly there is two inquiries I did not authorize XX/XX/2019 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Texas please block these fraudulent inquiries and accounts opened by a thief.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I contacted Equifax along with XXXX and XXXX regarding XXXX XXXX XXXX XXXX 's alleged " Serious Delinquency '' Back in early XXXX. I received a letter from them dated XX/XX/XXXX requesting I send to a different address of theirs a copy of my Social Security Card, Driver 's License, Deed of my House, Utility Bill, Pay Stub, or W-2, etc. alleging that they could not identify my file. Their letter reference : XXXX. My original letter included my SSN. 
I refused as this information is not necessary and was not requested by the other credit reporting agencies. 
I then sent another letter today including my refusal to a third address that they provided along with a copy of my letter refusing their request for copies of personal documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
We received your complaint. Thank you. 

We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 



YOUR COMPLAINT I contacted Midland Funding on after reading on there website they said. We suspend collection activities when a consumer demonstrates that he or she is experiencing significant financial hardship due to medical issues. I advised the Rep name that I suffered from two XXXX   XXXX. She asked what they were I told her my illness are XXXX and XXXX. I had to explain to her what they were, she had no understanding of the illness. She began to XXXX and read to me what the definition said. I told her that I wasn't able to work and I wasn't receiving any money from any sources. Then after I realized that she had no idea or understanding I asked to be transferred to a US Rep and she finally did and she was of no help. The more I had to repeat my self over and over my XXXX  begin to flare up. I advised both of them that my health issue were not going to get any better. I also asked for Validation of this debt and never received anything. I have also asked for an Assignment of Debt and haven't received that.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: OH

Complaint narrative:
My ex wife and I were going through the divorce process in XXXX, XXXX my ex wife asked XXXX XXXX to transfer her number to her own plan so that she could pay it. We contacted XXXX Customer Service and had her removed from my account and she gave them her social security number and they created her own account for her. I had no access to payment information or anything for her account. I was assured by customer service that I was not responsible anymore if she missed a payment. She had set up her own account. On XX/XX/XXXX I received a credit alert that I was sent to collections for {$500.00} that she did not pay. I called XXXX XXXX and they said that they had put her on a sub-account under my name and that I was legally responsible and that she wasnt responsible. I then called the collection agency and they had my ex wifes address on file and that she wasnt liable for the collection of the debt, only I was. We have been divorced officially since XX/XX/2019. I can not understand how I am liable for my ex wifes debt when I did nothing wrong. XXXX XXXX put it wrong in their system.

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 2019-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
Im writing this to document an egregious error Flagstar Bank made that is causing my family a significant financial hardship, and to seek assistance with remaining in good standing with this organization. 

After a year of making timely mortgage payments, starting in XXXX of 2017, we received a letter stating Flagstar had miscalculated our monthly payment and lowered it by approximately {$400.00}. For the past year, we have continued making timely payments at this new rate. 

We recently received another letter stating that Flagstar had again miscalculated, and we now owe {$7000.00}. This is no small amount! We dont have the funds to cover this, and will have to opt for ttheir Option 2 which is to make monthly payments of {$580.00}. This is on top of the increase they just announced of {$430.00}, costing me an extra {$1000.00} extra per month, which is way outside of the tight budget weve had for the past year! 

In addition, weve already come to question this banks business practices after recently trying to refinance a home equity loan. We were instructed by their personnel to email documents containing sensitive personal and financial details. When I requested a more secure portal or XXXX type of environment to transmit the data, we were informed they had none. I offered my own solution of password protecting a zip file, which I was told couldnt be opened at their end. I found this very surprising for a financial institution that I assume undergoes regular audits. In the end, we canceled the application. 

I was instructed to communicate our issue using a specific email address during a conversation I had with a member of your Customer Service team. I have done so twice and have not received a response.

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 2019-06-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc
State: VA

Complaint narrative:
I have been disputing this alleged medical debt on my credit for months. I have sent certified letters to the credit bureaus and to Medicredit collection agency. They have failed to provide proof that i owe this alleged debt. I spoke with the medical provider directly and they stated the debt is paid and i do not owe the debt. Medicredit is reporting false and misleading information to the major credit bureaus. This is illegal and a violation of my consumer rights under the FCRA and FDCPA.

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