vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: AL

Complaint narrative:
I just received a collections letter from ERC for a supposed overdue bill to XXXX XXXX for {$110.00}. The date is for XX/XX/2019 but I did not receive it until now because it was sent to a relative 's address instead of my address. I never used that address while I was a customer of XXXX XXXX. I have not had an account with XXXX XXXX in over three years and I had to dispute an automatic payment with them the month immediately following canceling services which they refunded. The letter also does not include any information about how to dispute the charge. The bill also does not show up on my credit score. I strongly suspect that this is either not an actual collections agency or that someone associated with the agency has created a fraudulent account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 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:
I filed a complaint with the Attorney General office and the credit bureaus in regards to this erroneous charges, claimed by XXXX XXXX.I filed a dispute with the credit bureaus, but the charge still remain after their investigation, it is indicated on my credit report it was completed on XX/XX/19.I received a letter from XXXX XXXX XXXX , on XX/XX/XXXX,  informing me, that the credit bureau was instructed to do a trade line deletion associated with this debt in the amount of $ XXXX.It has not been done, and their is no legal reason, for their action.

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 2019-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I filed a complaint with the Attorney General office and the credit bureaus in regards to this erroneous charges, claimed by XXXX XXXX.I filed a dispute with the credit bureaus, but the charge still remain after their investigation, it is indicated on my credit report it was completed on XX/XX/19.I received a letter from XXXX XXXX XXXX , on XX/XX/XXXX,  informing me, that the credit bureau was instructed to do a trade line deletion associated with this debt in the amount of $ XXXX.It has not been done, and their is no legal reason, for their action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-25 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: DC

Complaint narrative:
I am writing due to the noncompliance with ( XXXX, XXXX, Experian ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2019-09-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK
State: GA

Complaint narrative:
This XX/XX/XXXX, my XX/XX/XXXX escrow analysis showed an escrow shortage. As a result, my mortgage company gave me two payment options : 1 ) pay it through an additional {$100.00} a month added to my monthly payment or 2 ) pay the entire shortage up front with a {$31.00} increase to my monthly payment. The second option confused me but I looked at it as a proactive preventive escrow shortage increase, so I thought okay. I too like to move proactively so I paid the escrow shortage in full but went a step further by taking the additional {$31.00} increase multiplied it by 12 and sent that in amount as well ( marked for escrow only ). This was done so that I could stay within my tight budget for the next year and continue paying what i was paying prior to my escrow review however, my mortgage company is still charging me the {$31.00} increase with my monthly payment. I've reached out multiple times asking them to make the adjustment to my monthly payment, but they said they can't make any changes after the analysis is done. I've talked to FHA, XXXX, HUD Counseling and, XXXX XXXX and all advised that my payment should be back to the amount prior to the escrow analysis since the shortage plus an additional payment was made. XX/XX/XXXX will be the third month paying this additional amount and still they have not made the adjustment. With the two escrow payments made plus the regular monthly payments my escrow will be funded with enough to pay all my insurance and taxes plus have the required two month federally mandated minimum left over.

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 2019-09-25 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: BB&T CORPORATION
State: NC

Complaint narrative:
BB & T charged my small business ( XXXX XXXX XXXX ) a non compliance fee from XXXX XXXX. The fee was not clear and conspicuous on my statement. When this fee began in XX/XX/XXXX, the bank did not make it clear to me ( and probably many others ) that I was to do a compliance survey yearly. They never gave me a clear and obvious reminder each year to resubmit a new survey. They recently told me it was MY 100 % responsibility to submit the survey. They ( BB & T ) had no responsiblity to remind me. They were never proactive in nearly 10 years to ever give me a heads up or a courtesy notification that I had not done this survey. I just discovered that this item has been charged to me since XX/XX/XXXX. They stopped sending me paper statements in XX/XX/XXXX, because they started charging me to send them. They raised the non compliance fee on 4 occassions without full, clear, conspicuous, prior notification. I did the survey in XX/XX/XXXX when they made it clear it was required. If I had known I was receiving a penalty for not doing the compliance survey, I would have obviously done it. I know this has to hit other businesses like mine. I feel they don't want to give me a heads up, so they can collect the penalty fee. Also, in my appeal to the bank to forgive this penalty, that is completly unfair, they have been mostly difficult, sometimes rude, and non transparent. At this point today, they have been unwilling to give me the total penalty fee that has hit me for nearly 10 years. My online statements only allow for me to look back 18 months.

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 2019-09-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: NC

Complaint narrative:
I obtain a loan from fifsg in XX/XX/2013. My payments did not begin until XX/XX/2013. Ive made payments before the due dates or sometimes 5 or more days after the due date. However, in XX/XX/XXXX I requested a different date for payments in writing, which was granted to the XX/XX/XXXX of each month. However even though I was granted the request I still continue to receive late fees and reported to the credit reporting agencies I was more than 30 days past due when I was not. I carefully look at the payment history and realized not one single payment was 30 days past due. Also they also stated they ran a check through my bank and it was returned when they never did had to get on a conference call with the bank and they confirmed no check ever came through my account.But still had reversed payments posted to my account.They also continue to harass me each month about payments that were not past due by phone and email.

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 2019-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation
State: MI

Complaint narrative:
On XX/XX/XXXX I was notified of a collection alert on my credit report with XXXX  via email. I logged into XXXX  and viewed the collection. I contacted to original owner twice and in the second call today I and was told to settle this account with the collection company as they sold it to them. I explained to the original owner of this debt that I never received any certified or uncertified mail, calls or any correspondence of any sort about any debt I owed them before it was sent to a collection agency which then admitted to not communicating with me about. 

On XX/XX/2019 I received a response from XXXX XXXX from Penn Credit Corporation that Penn Credit was full aware that they had sent some unknown notification to a non-deliverable address which the post office confirmed I did not live at which just so happens to be the address of this alleged utility collection which I provided evidence of not residing at. I have never see. Any credible validation of this debt. I contacted Penn Credit on XX/XX/2019 requesting communication and debt validation and they failed to response to me or send anything to me about this alleged debt within the regulated time frame according to FDCPA : The Fair Debt Collection Practices Act ( FDCPA ), enacted in 1977, requires that debt collectors provide consumers with certain information during or within five days of initial communication, including, among other things, information about a given debt and the consumers right to dispute the debt. 

I dispute this debt for the XXXX time!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TIDEWATER FINANCE COMPANY, INC.
State: OK

Complaint narrative:
I made my payment to Tidewater Finance Company ( acct ending in XXXX ) on XX/XX/XXXX thru my XXXX bill pay app for {$540.00} which was the amount due by the XXXX of the month. The payment was not processed or accepted by Tidewater Finance until XX/XX/XXXX. That is 8 days after the payment was made and 4 days past my due date. The confirmation number for this transaction using my checking account is : XXXX. I have screen-shots of this to prove my case if needed. This is not the first time that this company has done this and that is why I knew to take the screenshots of the payments being made. The customer service representatives are hateful and disrespectful when you call and try to resolve the issue and refuse to assist you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Figure Technologies, Inc
State: OH

Complaint narrative:
I received a prescreen offer from the company FIGURE offering home equity lines, all of the marketing material references " Home Equity Line of Credit '', however they are actually only offering home equity loans. This is deceptive and misleading marketing.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 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: DC

Complaint narrative:
I am writing due to the noncompliance with ( Equifax, XXXX, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-25 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: FL

Complaint narrative:
According to state revised code : The XXXX XXXX account in this complaint is a business account and should not be on my personal credit report. I'm requesting assistance with helping the credit bureaus resolve and remove the account in question within 30 days.

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 2019-09-25 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: FL

Complaint narrative:
According to state revised code : The XXXX XXXX account in this complaint is a business account and should not be on my personal credit report. I'm requesting assistance with helping the credit bureaus resolve and remove the account in question within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 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: FL

Complaint narrative:
According to state revised code : The XXXX XXXX account in this complaint is a business account and should not be on my personal credit report. I'm requesting assistance with helping the credit bureaus resolve and remove the account in question within 30 days.

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 2019-09-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX on XX/XX/2019 because of refinancing current home, notified me of 1 outstanding bill from Macys. First  time I heard of bill.Contacted Macys who told of bill being sent to old address, XXXX XXXX XXXX XXXX XXXX, XXXX, AZ.and was never forwarded to current address of XXXX XXXX XXXX, XXXX AZ. Also said they left a voice mail which I never received. They indicated I should contact Post Office for tracking, Post office said they said do not do tracking on letters. Contacted Macys again and said nothing they can do. This discrepancy lowered my credit scores 100 points. Contacted credit score services, XXXX, XXXX. After investigation said theres nothing they can do. Asked what type of investigation was performed, but could not respond. XX/XX/2019 went to credit department for Macys in XXXX, Az but said they dont handle such matters. They recommended going to service department in an actual Macys store. When I did go to store they told me there is nothing they can do. Therefore no recourse for Macys errors.

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 2019-09-25 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: MOHELA
State: VA

Complaint narrative:
The balance included in the student loan is incorrect. Over XXXX was discharge in a bankruptcy in 2012.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo submitted inaccurate information to the credit agencies. The supposed credit balance they submitted is {$1700.00} with {$1700.00} credit limit. They sent me documents to prove this what I would them. The documents Wells Fargo sent me are inconsistent with what's on the credit reporting bureaus. 
No signed credit card agreement. 
Wells Fargo is attempting to justify fake credit card account by showing me overdraft statements from the checking account I had with them. I do not know how that justifies a credit card agreement. 
The so-called credit card statements show a credit limit of {$700.00}. Nowhere does it show a credit increase.

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 2019-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: IQOR US INC
State: LA

Complaint narrative:
On Monday, XX/XX/2019, I received a voicemail from XXXX XXXX representing Allied Interstate LLC. On XX/XX/2019, I sent am email to Allied Interstate LLC indicating the type of contact made and my hesitation talking with anyone over the phone ( due to phone scams running amass this day and age ) without first receiving written correspondence. I also said in my email that XXXX XXXX ( collector ) called my phone before XXXX XXXX. The email responded asking for my phone number. I responded giving it to them. They then responded saying to call their agent at XXXX, seemingly to disregard my formal request for them to send me written information on the matter.

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 2019-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: AR

Complaint narrative:
On XX/XX/2019 I received notification regarding an alert for a change appearing on credit report. Upon checking my report I noticed a collection account fro. Midwest Recovery Systems. The account lists XXXX XXXX XXXX XXXX XXXX as the creditor with an amount of {$680.00}. I've yet to and received as per their Fair Debt Collection Act section 809 which states the consumer must receive notification of the debt within 5 days of the agency whom acquired the debt. Midwest Recovery has clearly violated the Fair Debt Collection Practice Act as well as my consumer rights. I have also sent Midwest Recovery Systems an affidavit of denial XXXX Not verification ) because this debt never belonged to me. MIDWEST RECOVERY HAS not responded and it has been over 30 days since this account has been reporting on my credit report. I recently was denied credit due to this inaccurate information which is totally unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 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: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
On XX/XX/2019, a fraudulent transaction of {$540.00} was made from my checking account. The transaction was made to XXXX. I called XXXX the same day, and they said my debit card had been used. I did not use my debit card. The withdrawal had not been made through my XXXX account, but from someone else 's XXXX account who had fraudulently used my debit card information. My debit card had not been stolen, and I still have it. Someone apparently used my debit card info to make a XXXX transaction. The person 's name is XXXX or XXXX XXXX. I reported the fraudulent transaction online to my bank as well, which is Ally Bank. They immediately closed my debit card and issued a new one. It is XX/XX/XXXX, and Ally Bank has not given me a credit or provisional credit for the money stolen for me as required by Regulation E. XXXX told me that they reversed my transaction on XX/XX/XXXX and sent the money back to Ally Bank. I just received a letter today, XX/XX/XXXX, from Ally. The letter is dated XX/XX/XXXX. The letter states that " the disputed transaction was processed through a third party payment processor, XXXX. Therefore, the transaction is considered a merchant dispute and provisional credit is not provided, '' which I presume means they believe the transaction is not governed by Regulation E. I read this letter to XXXX, and they stated the judgement in this letter is incorrect. This is not a merchant dispute, and the transaction was a fraudulent transaction governed by Regulation E. It would only be a merchant dispute if I authorized the transaction. As I didn't authorize the transaction, it's not a merchant dispute, and is governed by Regulation E. Ally Bank knew or should have known that this was a fraudulent transaction because I told them on XX/XX/XXXX that it was. The fact that they immediately closed and mailed me a new debit card indicated that this was their understanding as well. I do not understand then why they are stating this is a merchant dispute, and why I don't have a provisional credit. I also don't understand why the {$540.00} is not back in my account if XXXX reversed the charge on XX/XX/XXXX. I called Ally Bank, and the agent said he did not see evidence of the money being sent back to them by XXXX on XX/XX/XXXX. He stated that he was forwarding a request to the Executive team, and I would receive a response in about 4 business days. Ally Bank is not in compliance with Regulation E, and the money should be back in my account.

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