vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: MI

Complaint narrative:
Lexington Law charged me 10 months for services they claimed in marketing, email, and via telephone that they performed. They did not perform what I paid for. Also, today they admitted to not sending out a higher level of dispute letters which was requested 6 months ago. These fees and services are misleading, deceptive, and inaccurate. They targeted myself and attempted to force me to target my family to join. I attempted to cancel and they do not provide any way to cancel online. They force you to call or email. I did both and it still took days to cancel. Furthermore, they refused to refund the charge even after I submitted a request to cancel.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I checked my credit report to find information that don't belong to me please have this item verified with my original signature. I would like to have this removed.

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 2019-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I had a collections debt from XXXX XXXX XXXX, in the amount {$1000.00}. The debt was settled and paid on XX/XX/2019. Between XX/XX/2019 and XX/XX/2019, XXXX XXXX XXXX collections account was removed from my credit report. Between XX/XX/2019 and XX/XX/2019, the debt was added back to my report. The collection agency is XXXX XXXX XXXX. The original creditor was XXXX BANK.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I made a money transfer using the app XXXX through my bank which is Wells Fargo. I was purchasing a XXXX puppy from XXXX   XXXX  supposedly in XXXX Texas. The money was received by the so called breeder but I never received the puppy. I then got an email from the company that was supposed to be the courier that would be delivering my puppy saying I had to pay them XXXX for an electronic thermal crate because the crate the breeder used was not safe. XXXX XXXXXXXX XXXX is the name of that company. I sent them numerous emails because I started to feel like I was being scammed. They told me I would have to send the funds by debit card only by XXXX XXXX and the fee would be returned to me when my puppy reached my door. I knew then something was up. They told me that my puppy was being held at their facility until they received my XXXX for their crate. I refused to send the money and they said my puppy would be held there until they got the money so they were in on the scam as well. I simply feel that my bank should not support a company like XXXX when they know what XXXX 's policies are and if something happens the customer doesn't have any recourse through XXXX or even my own bank. I have been a customer with Wells Fargo for over 20 years and for them to treat me this way is just horrible in my opinion. I called them the minute I realized I had been scammed and they said there was nothing they could do for me and that I was just out the {$550.00} I paid for a puppy I never received. They said that using XXXX is like just sending cash but that can not be true because it still has to go through the bank. I just feel the bank let me down and they should not allow XXXX to be a part of their business practices.

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 2019-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Portfolio Recovery Associates wish to sue me in court for unpaid debt for which I do intend to pay. The court due date is XX/XX/XXXX. However I can't come to court due to the fact that I can't risk leaving my elderly mother alone in the house. She's suffering from XXXX XXXX XXXX XXXX, so it wouldn't be wise to leave her alone. My other complaint is that Portfolio Recovery Associates is charging me twice as much as what I actually owed to the original creditor. I actually owe {$300.00} but they're charging me {$690.00}. I only make {$600.00} a month from my pension so it's going to be a tight squeeze on my budget. I was wondering if it was legal for them to charge twice as much?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
on XX/XX/19 I submitted a dispute to Equifax regarding the XXXX XXXX XXXX account that is reporting. Equifax stated the account was valid. on XX/XX/19 I requested Equifax provide me with the details on how they validated this account. Equifax has not provided me with the details on how they validated the account. Equifax is in violation for not providing me with the information I requested. I also reached out to XXXX XXXX XXXX and requested validation of the account. They also have not provided me with the information. So clearly this account was never validated and can not be validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 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: AL

Complaint narrative:
I had a collections debt from Midland Funding LLC, in the amount {$1000.00}. The debt was settled and paid on XX/XX/2019. Between XX/XX/2019 and XX/XX/2019, MIDLAND FUNDING LLC collections account was removed from my credit report. Between XX/XX/2019 and XX/XX/2019, the debt was added back to my report. The collection agency is MIDLAND FUNDING LLC. The original creditor was XXXX BANK.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 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: JH Portfolio Debt Equities, LLC
State: VA

Complaint narrative:
On XX/XX/19 i settled a debt with JH Portfolio Debt Equities for {$630.00} and on XX/XX/19 i settled a debt for {$1200.00} with the same company JH Portfolio Debt Equities. I received a letter stating that both accounts had a {$0.00} balance and that it was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
I graduated from trade school in the recession with a trade as a XXXX for the XXXX XXXX. As you know when the recession happened auto dealers were going out of business left and right. I spent the better part of five pluse years between jobs and unemployment. This put me behind on my student loans. Now I read about XXXX  and there dealings with you and all types of other articles about there ways of handling there borrowers. This concerns me as I have received several different phone calls from several different collections agencies and I dont rightfully know whom to trust in regards to setting up payments based upon what i have read. I need your guidance as to what my options are based upon your knowledge of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
on XX/XX/19 I submitted a dispute to Transunion regarding the XXXX XXXX XXXX account that is reporting. Transunion stated the account was valid. on XX/XX/19 I requested Transunion provide me with the details on how they validated this account. Transunion has not provided me with the details on how they validated the account. Transunion is in violation for not providing me with the information I requested. I also reached out to XXXX XXXX XXXX and requested validation of the account. They also have not provided me with the information. So clearly this account was never validated and can not be validated.

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 2019-05-28 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Personal information incorrect
Company: DISCOVER BANK
State: NC

Complaint narrative:
I sent Discover Financial Services a letter in XX/XX/2019 disputing the incorrect information, i.e., my name on my file. Discover Financial Services replied to a request stating that I needed to supply them proof that my name had changed. They are reporting my name as XXXX XXXX XXXX or XXXX XXXX. This has never been my name nor have I authorized such name change as, there is not supporting documentation that exists that shows this is or was name. 

Discover Financial Services can not provide proof of who initiated this name change, nor can they provide proof that this is not a fraudulent account, initiated by someone else attempting to use my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Family First Funding LLC
State: NJ

Complaint narrative:
I registered and attended New Jersey XXXX expo on XX/XX/2018 at The XXXX XXXX XXXX XXXX, XXXX XXXX, NJ. I participated in the home buyer class. Attendees were told of a NJ State government program that gave first time home buyers {$10000.00} grant to help with down payment. Also present were some financial institutions, who have agreed to work with the state in providing loans to individuals who meet the criteria for the loan. The only condition for this loan was that a beneficiary must live in the house purchased for a minimum of five years. If the beneficiary decides to sell the house before the end of this five year period, he or she will pay back the money in full. Unfortunately, I engaged one of the firms ( Family First Funding LLC ) that I met at this expo for mortgage loan. 
I was approved for {$500000.00} with a credit score of XXXX. But towards the end of the process, the mortgage firm said that my interest rate with be 6.125 %. This came as a shock because the market rate at that time was about 4 %. The loan officer told me that the higher interest rate was due to the fact that I was receiving a grant of {$10000.00} from the state through them. But I was made to sign a paper stating that the grant had no impact on the interest rate. 
The worst thing is that when I spoke to the loan officer about 2 months ago, she told me I can not refinance until after 2 years. At different points I was ambushed with very little information that came at the last minute or when it was impossible for me to look for another lender. 
They lied about the government grant determining the extraordinarily high rate ; and I was never told at the time I signed for the loan that, I can not refinance until after two years.

Why do I have to wait two years to refinance? Is this legal? Is it written in the original mortgage agreement? What is their reason for this exorbitant ( higher than prevailing market ) interest rate?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 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: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY

Complaint narrative:
Company continues to report a debt that was discharged in bankruptcy in XXXX to credit reporting agencies up to XXXX of XXXX negatively affecting credit score. 

Rushmore Loan Management currently is reporting the debt and held the debt at the time of the bankruptcy filing, XXXX XXXX XXXX held the debt prior to Rushmore and also is continuing to report the same debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 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: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
Company continues to report a debt that was discharged in bankruptcy in XX/XX/XXXX to credit reporting agencies up toXX/XX/XXXX negatively affecting credit score. 

XXXX XXXX XXXX currently is reporting the debt and held the debt at the time of the bankruptcy filing, Nationstar Loan Management held the debt prior to XXXX and also is continuing to report the same debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: VT

Complaint narrative:
In XXXX, XXXX sent my account to collections because I hadnt returned my equipment. I did not have access to it until XX/XX/XXXX and officially returned it in person to XXXX on XX/XX/XXXX. I sent Enhanced Recovery this information so the claim could be removed from my credit, and I have been ignored.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I fear that I may have been unable deliver a claim notice to American Express in advance of mediation/arbitration/litigation. On XX/XX/XXXX, I cerftified-mailed a claim form and cover letter ( copies attached ) to the Amex GC, and it was received on XX/XX/XXXX ( copy of XXXX tracking attached ). Regrettably, American Express stated in a XX/XX/XXXX letter ( copy attached ) that " we have no record of having received a request for arbitration or other claim. '' I can appreciate that American Express has many bad facts to deal with surrounding my issue and are not eager to expend additional resources over a {$100.00} claim, but I am resolute in my pursuit of justice and desire to help Amex improve their customer service function. Despite repeated instances of Amex supposedly providing feedback to the appropriate leader, their XXXX XXXX XXXX complaint department seems to be thoroughly incompetent, at best. Therefore, I request that CFPB look into Amex 's handling of my claim so I can find out if they lost it and I need to re-file it or if I'm able to pursue mediation/arbitration/litigation right away. I don't want to miss any arbitrary 30 day tolling provisions due to their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ULRS, Inc.
State: CA

Complaint narrative:
This debt is intentionally being mis-reported on my credit report It is reported as XX/XX/XXXX, but they admit that it is XX/XX/XXXX It is being mis-reported in an attempt to collect on a debt that is out of statute

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: STONELEIGH RECOVERY ASSOCIATES, LLC
State: MI

Complaint narrative:
I received a collection letter from Stoneleigh Recovery Associates about an account with XXXX XXXX, XXXX XXXX. I notified the collection company and I have never had an account with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: MA

Complaint narrative:
My mortgage was with XXXX XXXX until they transferred it to M & T Bank in XXXX, NY. 
M & T Bank sent me a letter asking for an increase in the amount of the escrow account of {$280.00} per year. In addition they are increasing the amount of my current mortgage payment of {$1800.00} per month to {$1800.00} per month an additional {$21.00} per month or {$250.00} per year. 

The problem is this : I called M & T bank in XXXX to get an understanding of why if the bank is increasing the amount of my escrow to cover the taxes, insurance, etc., that the M & T Bank has to pay during the year, why isn't the increase included in the escrow shortfall of {$280.00} that I am being asked to pay which I think should include the additional {$21.00} they are increasing my monthly payment from the current amount of {$1800.00} to a new amount of {$1800.00}? 

When I asked the supervisor from M & T Bank, XXXX XXXX, he advised that the increase in my current mortgage payment from {$1800.00} to the new amount of {$1800.00} was due to increases in my taxes and insurance. My question is, isn't the increase in the escrow supposed to cover the increase in all of the items like taxes and insurance that the bank pays monthly? XXXX responded to me by saying the same thing over again and again and failed to connect the increase in the escrow amount with the additional increase in the monthly payment of {$21.00}. It appears to me that the bank has decided to add an additional amount of {$21.00} each month for 12 months for a total of {$250.00} which is in addition to the escrow increase of {$280.00}. 
So I am receiving an actual increase of ( {$280.00} plus {$250.00} which equals {$530.00} ) annually. What is happening here? It looks like the bank has figured out a way to charge all of its customers with an additional charge in additional to the escrow increase. This is an unfair and deceptive practice and XXXX XXXX, the M & T supervisor I spoke to could not explain to me why the monthly amount of the mortgage was increasing after I paid the escrow shortage of {$280.00}. Please contact the M & T Bank and ask them to explain why they are engaging in such unfair and deceptive practices. 

Thanks for your help, XXXX XXXX XXXX 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 explanation
Consumer complaint received 2019-05-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: AL

Complaint narrative:
I was charged a late fee for XX/XX/2019, of {$36.00}. Also for XX/XX/2019, {$36.00}. I Called Lakeview loan, and the girl said she could only refund about {$29.00} dollars, and that the late fee was from XXXX. She said I wasn't charged a late fee for XXXX. I've had to call every month about this problem of late fees. I informed them that I get paid the second Wednesday, of every month, and that I mail my payments in 6-10 days before it's due on the XXXX. They don't process my payment until the XXXX. I know the post office is on time. They're just not processing my payments so they can charge me a late fee. They want me to set up automatic payments from my bank account so they can draft payments. They're too dishonest for me to let them have access to my account. Also I've put over {$200.00} dollars extra in my escrow account that I don't understand what they did with it. They have slowly been increasing my monthly payments. My payments should only be {$890.00} a month. I don't have an amorization schedule. Everytime I've asked for one, and that was from XXXX XXXX XXXX, and XXXX XXXX, they ignored me. I have yet to ask Lakeview for one. They don't even properly apply payments to my principal.

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 2019-05-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: KINGS CREDIT SERVICES
State: CA

Complaint narrative:
Contacted kings credit services they said Its show paid but they havent receive notifications to remove

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: TOYOTA MOTOR CREDIT CORPORATION
State: GA

Complaint narrative:
XXXX XXXX XXXX is calling me from the number XXXX with pre recorded message multiple times per day and multiple days per week, basically daily. They are saying I have a late payment on my lease, which I do not. I have called them multiple times to clear this up. Examples of multiple calls are XX/XX/19 at XXXX and XXXX EST. XX/XX/19 at XXXX. XX/XX/19 at XXXX and XXXX. XX/XX/19 at XXXX and XXXX. They called many times per day and times per week over the last several months and I have repeatedly asked them to stop. This is a new number calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Seattle Service Bureau, Inc
State: OH

Complaint narrative:
.I have a a unverified account from NATIONAL SERVICE BUREAU , INC . I had previously disputed this account. I have never done business with NATIONAL SERVICE BUREAU , INC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. 
I request that NATIONAL SERVICE BUREAU , INC Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that NATIONAL SERVICE BUREAU , INC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation