vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MD

Complaint narrative:
Was contacted today XX/XX/XXXX by IC Systems. Caller asked for me by name and recited my physical address asking for verification. I asked who was calling & caller responded IC Systems on a personal businesss matter. I replied that I had a prior complaint against IC Systems for harassment and fraudulent collection attempts, ( see complaint XXXX ) and that if this was a collection attempt I intended to file another complaint & initiate a FDCPA compliant as well. Caller stated they would remove my contact information from their files. However, they should have never had my contact information because in XXXX, IC Systems attempted to initiate collection on an illegal & fraudulent debt and agreed to cease and desist all contact after a complaint was filed. This new attempt shows that IC Systems is in fact actively seeking my information with the intention to use it for fraudulent collection attempts.

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 2019-04-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collins Asset Group, LLC
State: SC

Complaint narrative:
I hav a collection on my account from a Collection Agency attempting to collect on a debt collection hat is not owed. 

They claim to be collecting for a company called XXXX XXXX XXXX XXXX who was closed due to fraud. The company was closed and was never able to provide consumers with titles so that customers could get permanent tags. 

The car was NEVER repossessed. I'm not sure who this collection agency is but I know they can not validate this debt and I'm sure they do not own the debt. This company is illegally trying to collect on a debt they clearly do NOT own. They can not validate the debt or show proof of ownership according to the FDCRA. This is illegal and fraud!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ORG GC GP BUYER, LLC
State: MA

Complaint narrative:
Good Evening Management Team ; My name is XXXX, and after several calls with XXXX XXXX XXXX where they said that they are not handling this account on my credit report anymore and it was actually sent to a collection company, and then they transferred me to GC Services main office, a collection services company, then they transferred me to XXXX based office where we were able to discuss the debt with the Manager there XXXX XXXX file # XXXX. The debt has been paid but they continue to report them incorrect on my credit report. XXXX it reporting wrong balance, and they never sent me any notification that the debt was sold and I never received any notification to challenged the validity of the debt. 

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: OK

Complaint narrative:
I never received any written notification to dispute the validity of this debt and this company violated the fair credit reporting act by not allowing me the opportunity to dispute the validity of this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: NY

Complaint narrative:
Southwest Credit Collections XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Toll Free : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX This company contacted me through mail on behalf of XXXX XXXX XXXX and stated that I owed total amount due XXXX. 

I sent Southwest Credit a dispute letter on XX/XX/2019 to have this item removed from their data base and deleted as it relates to me, as I did not assertain this account or benefit from this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Good Evening Management Team ; My name is XXXX, and after several calls with XXXX XXXX XXXX where they said that they are not handling this account on my credit report anymore and it was actually sent to a collection company, and then they transferred me to XXXX XXXX main office, a collection services company, then they transferred me to XXXX based office where we were able to discuss the debt with the Manager there XXXX XXXX file # XXXX. The debt has been paid but they continue to report them incorrect on my credit report. XXXX it reporting wrong balance, and they never sent me any notification that the debt was sold and I never received any notification to challenged the validity of the debt. 

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

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 2019-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
CRA IS IN VIOLATION OF FCRA, FDCPA, DODD FRANK ACT, METRO 2 COMPLIANCE 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 non-monetary relief
Consumer complaint received 2019-04-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
A wells fargo banker ( XXXX ) at the XXXX, VA officer called me a criminal for post dating a check. 
I wrote the check with a future date because I would be out of town on the first of the month and asked a friend to mail the check a day or two before the due date so it would arrive on, or maybe a day after, the due date. My friend instead walked the check into the bank on the XXXX, which refused to accept it because of the post date. My friend brought the check back on the first, which was then accepted. I later discovered it is a bank policy to not accept a post dated check, which I accept despite the fact Wells Fargo central payment facilities routinely accept post dated checks all the time ( Wells Fargo words, not mine ). What I DO NOT accept is during a visit to the branch a banker ( XXXX ) stated repeatedly it is, " against the law to post date a check '', and even said, " that's the first thing you learn in banking school ''. I find it hard to believe 'that 's the first thing you learn in banking school ' because : 1- It is NOT illegal to post date a check, and 2- a bank 's branch policy does not make law. Repeatedly insisting I was engaging in criminal, illegal behavior by post dating a check is the same as calling me a criminal. A few weeks later when revisiting the situation with the branch manager, who was also present during the earlier encounter, the manager denied the banker ever said those words. Eventually the manager 'remembered ' those words being directed towards me and offered an insincere apology.

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 2019-04-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The lady at the front desk assured me that their institution was inside my insurance network and that there would be XXXX copay but 6 months after my hospital visit I received a bill for {$1200.00}. My lawyer contacted their facility to dispute the Copay charges because the lady at the front desk knowingly gave me false information in order to retain me as a client they agreed to settle and remove these charges. I am writing to have this information removed from my credit because it is hurting my credit score and affecting me getting a job and other financial products.

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 2019-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
they told me they will sue me for a debt that is 10 years old that i included in my banruptcy 10 yerts ago they cant collect anything the statue of limitations is done she told me if i dont she will effect my credit tporet and have me arrested

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: CA

Complaint narrative:
XXXX XXXX is withholding consumers bank account and routing numbers for XXXX and XXXX persons receiving SSA. After even speaking to a Supervisor to try and get access to my account or change my direct deposit to another bank. They refused to provide that information to try and make it impossible to change my funds to a different and Legal institution. They have the worst customer service and are committing financial fruad. This company should be shut down and sued for it's illegal business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Roach & Murtha, P.C.
State: NY

Complaint narrative:
Last week was the first time I've been made aware that someone was trying to Bill me for a debt they are saying I owe. The last time I did business with this company ( XXXX XXXX XXXX XXXX ) was 3 yrs ago. I understand that if I am responsible for a debt I have to pay it, but I need to be sent a bill or some sort of attempt to send an invoice or to call, or email to bring to my attention that someone is attempting to collect a debt from me. The first I'm hearing of this is Last week when I received papers threatening to sue me for an uncollected debt that I have been completely blindsided by that they are claiming I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MT

Complaint narrative:
Trying to temporarily unfreeze my credit. Equifax website is not working properly. Trying to do this over the phone is a joke. Way more of a pain than XXXX XXXX and XXXX. 
After asking a ton of questions they still claim they can't confirm my identity. Very frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Advanced Collection Bureau, Inc.
State: OK

Complaint narrative:
I never received written notification concerning this debt, which is in direct violation with the Fair credit reporting Act. I was never given the 30 days to dispute the validity of this debt and I would like the creditor to provide strict proof that written notification was given.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The lady at the front desk assured me that their institution was inside my insurance network and that there would be XXXX copay but 6 months after my hospital visit I received a bill for {$1200.00}. My lawyer contacted their facility to dispute the Copay charges because the lady at the front desk knowingly gave me false information in order to retain me as a client they agreed to settle and remove these charges. I am writing to have this information removed from my credit because it is hurting my credit score and affecting me getting a job and other financial products.

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 2019-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
XX/XX/XXXX -- I was informed there was some kind of Fraud Alert on my account. I called XXXX - no Fraud Alert. I called XXXX - no Fraud Alert. I called Experian -- they had a Fraud Alert that was  several years old. Why only them? I have no idea. I never requested a freeze or anything on my account ever!!! I asked them to remove it. They sent me a letter saying they removed it. And then in the next paragraph said, they put another one on ... in the same letter!!! And they informed both XXXX XXXX and XXXX. 

A week later, I get a letter from XXXX and XXXX telling me that they put a 7 year Fraud Alert on my account b/c of Experian. XXXX?!!!! 

Then I called Experian and complained. I insisted on speaking to a supervisor to clear up this mess. They said, they wouldn't help me with the other 2 companies ... but it was their mistake!!! 

I called them both XXXX  and XXXX, and told them it was a mistake by Experian, so they both lifted it ... no problem. Then I called Experian again ... spoke to a supervisor to clear up this issue. They said, they cleared it up. Then I get another letter from Experian telling me that they put another Fraud Alert on my account ... again saying that I requested it. In fact, I requested the exact opposite. 

This happened twice already and now, it's happening a 3rd time.

Their phone customer service system is so ridiculous!!! It won't let you get to a live human being. It takes you in circles over and over and over and over and over and over and over again. And it won't let you lift a fraud alert. It ONLY allows you to put one on. 

I can not fix this cycle of abuse on my credit. And no one there cares or gives a XXXX. I've been hung up on several times while trying to clear this up in the last month. 

I am ready to XXXX someone ... maybe myself. I do not have a XXXX, but if I was XXXX  or XXXX or XXXX  then somebody would get XXXX b/c of Experian. 

I am so extremely frustrated. Three weeks of this XXXX. There is no help in this cycle of abuse. Why can not the government tell them to fix their issues???!!!! 

This ain't no April Fools joke. I'm ready to 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 non-monetary relief
Consumer complaint received 2019-04-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Armada Corp.
State: WA

Complaint narrative:
XXXX of 2018 I oncured a medical bill for {$180.00}. I did space it off and it got turned over to collection 's. I got it taken off of one credit beurea already.The collection agency has still not notified me to date by mail or phone about this collection. I have same address and phone # as always and still nothing. I know I forgot, but I should have a chance to pay off before being turned over to collection 's. I found out only by checking my credit report it was there. This hit hurts me buying a home and would even be willing to pay for them to delete it. Thanl you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HOVG, LLC
State: TX

Complaint narrative:
Filed Dispute on credit bureaus original creditor is XXXX XXXX XXXX XXXX XXXX {$1800.00} placed collections XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 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: EQUIFAX, INC.
State: IL

Complaint narrative:
To whom it may concer, Once again, Equifax has allowed credit inquiries to show up on my credit report without my permission ( despite having a fraud alert on my account ). On XX/XX/2019, I recieved a notice from XXXX XXXX that an inquiry from " XXXX/XXXX   '' was added to my Equifax report. On further investigation, I found out that this was for a XXXX credit card. Despite having a fraud alert on my Equifax report, I never received a call from XXXX or Equifax asking to verify my identity. This needs to be removed immediately. Why is Equifax so bad at protecting people 's credit? 

Thank you for your time. 
Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I opened up a checking account with Bank of America at XXXX XXXX XXXX XXXX, XXXX. I used XXXX to open the account. On the XXXX I withdrew XXXX in person at the branch. On the XX/XX/2019 I used the atm. The branch put a limit of XXXX per day on my card. I had activated the card the same day. I could only withdraw XXXX that day. I had to use the teller assist on the atm to get the remainder of XXXX to equal XXXX total. The bank then stole XXXX. Making my balance XXXX. Instead of XXXX. 
I want my money now. They need to give me My money. Attached is a photo of what it says in my app as explained above.

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 2019-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION

Complaint narrative:
I filed a complaint XXXX regarding M & T bank they have just contacted me and are still refusing to recognize that I am a borrower on my mortgage because my late husband signed as my agent since he had power of attorney at our closing. the bank states since I did not physically sign I am not the borrower. 
this is insulting to me I need M & T to recognize that I am the borrower on this morgage and assign a senior agent to deal this situation ASAP I have attached documents please see page 33 & 34

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 2019-04-02 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: FL

Complaint narrative:
My ex wife used my information to apply for credit cards with out my permission in order to add her self as an authorized user on these credit cards. My lawyers are currently sueing her in court for these fraudulent activities I contacted Experian to let them know exactly what transpired providing them with court documents but nothing was done please remove these hard inquiries items from my credit because it is really hurting my credit score.

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