vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-17 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:
It has come to my attention that the charged off account being reported by XXXX XXXX and the 3rd party collector are not in accordance with the Fair Debt Collection Practices ACT ( FDCPA ) ), 15 U.S.C. 1692 et seq : Unfair Practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect a debt. Specifically, a debt collector may not A creditor will usually charge off a debt when a consumer fails to make monthly payments for six consecutive months, at which point the account is closed to future charges, although the consumer still owes the debt. Many creditors will not collect interest on a charged off debt even if they have the right to do so. Upon speaking with the creditor & debt collector an additional {$150.00} in interest and late fees has been added to the principal balance of {$350.00} since the loan defaulted in XXXX. Per their loan agreement there is no arbitration, clause or disclosure informing the consumer of any additional interest or fees that would or could be added in the event of the account being charged off. Please reference Disclosure of Interest Accrual The second hot topic issue is how debt collectors must disclose to the debtor the accrual of interest, if at all. Section 1692g ( a ) ( 1 )  of the FDCPA only requires the debt collector to state the amount due when communicating with debtors. Courts have been left to interpret how exactly the debt collector must disclose the accrual of interest. Various judges have reached opposite conclusions in interpreting this section. 
A Pennsylvania judge in Jones v. Midland Funding, LLC, 755 F. Supp. 2d 393 ( D. Conn. 2010 ), granted summary judgment to Jones, holding that XXXX violated Section 1692g ( a ) ( 1 ) where XXXX stated the balance due in its initial letter, the subsequent letter stated a balance due for a greater amount, and neither letter mentioned interest accrual. The court determined that only the initial letter violated the FDCPA because it failed to state that interest was accruing and the rate at which it was accruing. Another Pennsylvania judge in Lukawski v. Client Servs., Inc. , 2013 U.S. Dist. LEXIS 124075 ( M.D. Pa. Aug. 29, 2013 ), considered a case with slightly different facts and ruled that where the first letter discloses that interest will accrue, subsequent letters must also disclose the accrual of interest

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Nationstar Mortgage, LLC dba Mr.Cooper failed to respond to my information request / qualified written request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO BANK NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/2019, I opened a BMO Harris Premier Checking Account that had the following promotional advertisement : " Earn a {$500.00} bonus with initial deposit of {$25000.00} new money and qualifying direct deposits '' I have met the requirements and the deadline for the advertised promotional bonus has passed and my account still has not been credited.

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 2019-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Regions bank took a duplicate payment from my checking account to apply to a credit card, which resulted in an overdraft and removed my access to cash that I needed from the overdrafted account. 

On XX/XX/2019, I attempted to make a payment on my Regions Bank credit card in the amount of {$550.00}, which was the current balance of the card. On XX/XX/2019 I noticed that the payment had not been taken from my checking account and applied to the credit card. On that day, I sent a secured message through Regions ' website asking about this. The response I received did not actually address my question, so I sent an additional message restating the question later that same day. 

Regions responded my message, informing me that that there was an error with the payment and that I would need to make the payment through an alternative method. Specifically, they stated : " XXXX XXXX Banking is experiencing a known issue involving credit card payments made online from external accounts. At this time there is not an estimated time of resolution. '' and " In the mean time you may mail payments to the address below, visit your local branch, or call us at XXXX. You can make payments through our automated system from your Regions deposit account, or speak to an agent to make your payment by phone. '' Instead of attempting to make another payment that day, I decided to wait and try to make payment again online, as I have always done, a few days later. That payment attempt was successful. 

Today, XX/XX/2019, I checked my checking account and found that it was overdrafted and that Regions had taken not only the second attempted payment, but also the first attempted payment, which they had specifically told me I would need to pay in a different way and that there was an error with that payment. I relied on Regions ' statements that the first attempted payment resulted in an error and that I was required to use a different method to make a payment.

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 2019-07-17 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: TX

Complaint narrative:
It has come to my attention that the charged off account being reported by XXXX XXXX and the 3rd party collector are not in accordance with the Fair Debt Collection Practices ACT ( FDCPA ) ), 15 U.S.C. 1692 et seq : Unfair Practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect a debt. Specifically, a debt collector may not A creditor will usually charge off a debt when a consumer fails to make monthly payments for six consecutive months, at which point the account is closed to future charges, although the consumer still owes the debt. Many creditors will not collect interest on a charged off debt even if they have the right to do so. Upon speaking with the creditor & debt collector an additional {$150.00} in interest and late fees has been added to the principal balance of {$350.00} since the loan defaulted in XXXX. Per their loan agreement there is no arbitration, clause or disclosure informing the consumer of any additional interest or fees that would or could be added in the event of the account being charged off. Please reference Disclosure of Interest Accrual The second hot topic issue is how debt collectorXXXX must disclose to the debtor the accrual of interest, if at all. Section 1692g ( a ) ( 1 ) of the FDCPA only requires the debt collector to state the amount due when communicating with debtors. Courts have been left to interpret how exactly the debt collector must disclose the accrual of interest. Various judges have reached opposite conclusions in interpreting this section. 
A Pennsylvania judge in Jones v. Midland Funding, LLC, 755 F. Supp. 2d 393 ( D. Conn. XXXX ), granted summary judgment to Jones, holding that Midland violated Section 1692g ( a ) ( 1 ) where Midland stated the balance due in its initial letter, the subsequent letter stated a balance due for a greater amount, and neither letter mentioned interest accrual. The court determined that only the initial letter violated the FDCPA because it failed to state that interest was accruing and the rate at which it was accruing. Another Pennsylvania judge in Lukawski v. Client Servs., Inc. , XXXX U.S. Dist. LEXIS 124075 ( M.D. Pa. XX/XX/XXXX ), considered a case with slightly different facts and ruled that where the first letter discloses that interest will accrue, subsequent letters must also disclose the accrual of interest.

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 2019-07-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC
State: IN

Complaint narrative:
I refinanced a loan with the understanding that the finance charge would be lower but instead they increased the amount of the loan with higher finance charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 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: NC

Complaint narrative:
XXXX Equifax and XXXX XXXX are reporting in accurate history on my credit report with XXXX XXXX XXXX XXXX and XXXX XXXX totaling 31 late payments. Section 623 of the fair credit Act strictly calls for accuracy for consumer reporting agencies. Also Equifax has refuse to remove the 2 collections on my credit by XXXX, XXXX for {$420.00} and XXXX XXXX, XXXX for XXXX in which I have or had no accounts or affiliations with the creditor or it's partners. XXXX and XXXX XXXX have remove the collections from my account however they remain with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
I contacted the said company to inform them that I do not recognize the 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 explanation
Consumer complaint received 2019-07-17 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 — Investigation took more than 30 days
Company: SCA Collections, Inc.
State: NC

Complaint narrative:
WE HAD THE ACCOUNTS DISPUTED FOR SEVERAL MONTHS AND HAVE NOT RECEIVED A RESPONSE FROM THE CREDITORS DURING THAT TIME PERIOD.

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 2019-07-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I went to the Wells Fargo Bank on XX/XX/XXXX to Deposit a rollover Check {$34000.00} into my XXXX   Account. The bank lost the check and my husband and I have been in touch with the bank to get the issue resolved. As of XX/XX/XXXX, the bank has not recovered the check and we have not heard from anyone unless we called them.

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 2019-07-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONS LENDING CORPORATION
State: TX

Complaint narrative:
I have tried on a number of times to apply for XXXX, They take my name & phone number and inform me they will contact me in 48 hours. But no calls. I have asked to talk to a supervisor to be put on hold and have waited hours on hold with no response. And my billing when I call to check on loan keep charging me a late fee claiming my payment is late. But my bank shows that payment was received but XXXX XXXX is not showing it made on time. Sometimes showing days late. I would like to have this checked on and get it straighten out. PLEASE!!! 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 2019-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Reporting agencies are failing over and over and over to remove fraudulent attempts to apply for credit because of a Security breach at XXXX XXXX XXXX in 2013, due to this identity theft. Despite my efforts of disputing this matter the federal court case remains as a public record on my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
They call me several times a day at least 4-5 times a day everyday. 

I have received 7 calls from them and it is only Wednesday. 

I have received a call atXXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX ( XXXX XXXX ) XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-17 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Re : Formal Compliant against Syncb/Chevron and XXXX To Whom it May Concern : This is a formal compliant against both the Creditor Syncb/Chevron and Credit Bureau XXXX, as both has failed to respond to my dispute letters addressing the inaccuracies of reporting negative items. On XX/XX/XXXX, The initial certified letter was sent to Syncb/Chevron and delivered on XX/XX/XXXX signed by employee XXXX XXXX. Syncb/Chevron has violated FCRA & FDCPA laws and failed to respond within 30 days of receipt of this certified letter. The second certified letter was sent on XX/XX/XXXX to readdress the inaccurate reporting that is listed on my credit file with XXXX, once again this letter was delivered and signed for by an employee. Syncb/Chevron has failed to respond within 30 days to this certified letter, and has again violated laws as mentioned previous. After Chevron failed to respond, I sent a dispute letter to XXXX to address inaccurate reporting listed on my credit file on XX/XX/XXXX, as it was delivered on XX/XX/XXXX and signed by XXXX XXXX. XXXX has yet to send any type of correspondence within 30 days as expected by FCRA laws. And, has continually report negative items on my credit file.

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 2019-07-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: AL

Complaint narrative:
My mortgage loan servicing company is PHH Mortgage Services, XXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX. I have been making regular mortgage payments, by way of bank drafts initiated by PHH, since XXXX, XXXX. From time to time, I have made additional principal payments, ten in all totaling {$10000.00}. I regularly track my activity on the PHH website ( XXXX ). To my discredit and chagrin, I only recently noticed the website offered less than complete information on my payment activity, and what was offered was confusing. The loan activity column on the website shows only payments made, the dates thereof, and the ostensible application to the loan. Worse, when I have made additional principal payments, the amount showed as applied to the loan balance is always {$0.00}. Nowhere on the site is there to be found a conventional amortization schedule which would reflect the missing information ; i.e., what amounts from each regular payment and additional principal payment are applied to principal and interest and the resulting principal balance.By letter dated and mailed XX/XX/XXXX, I requested a complete amortization schedule from the beginning of the loan, showing all the information detailed above. The only response has been a note, dated XX/XX/XXXX, stating PHH is still researching the matter. As all the information I have requested is within their knowledge and control, no research should have been necessary. This delaying response makes me question their sincerity in providing me with complete and accurate information. I have correspondence corroborating my allegations. Please investigate ; my Loan Number with PHH is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Equifax Dispute My name is NOT : XXXX XXXX XXXX I have NEVER lived at : XXXX XXXX XXXX, XXXX XXXX XXXX nor XXXX XXXX XXXX, XXXX, OH Hard Inquiry - XXXX XXXX  on XX/XX/XXXX is an unknown inquiry XXXX XXXX  - closed XX/XX/XXXX - XXXX balance XXXX XXXX - closed XX/XX/XXXX - XXXX balance XXXX XXXX  - closed XX/XX/XXXX - XXXX balance XXXX XXXX XXXX - XXXX - closed XX/XX/XXXX - XXXX balance ( XXXX ) XXXX XXXX XXXX - XXXX - closed XX/XX/XXXX - XXXX balance ( XXXX ) XXXX XXXX XXXX - XXXX - closed XX/XX/XXXX - XXXX balance ( XXXX ) XXXX XXXX XXXX - XXXX - closed XX/XX/XXXX - XXXX balance ( XXXX ) XXXX XXXX XXXX - XXXX - closed XX/XX/XXXX - XXXX balance ( XXXX ) XXXX XXXX XXXX - XXXX - closed XX/XX/XXXX - XXXX balance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-17 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: American Collections Enterprise, Inc.
State: MD

Complaint narrative:
I originally contacted American Collections Ent Inc in the beginning of XXXX, 2019 to gain knowledge on how to proceed to pay past medical bills stated on my credit report. On XX/XX/2019 I was contacted by American Collections Ent Inc regarding the previous call I had with them. I was called a thief among other things, and was verbally attacked. The agent also reported that I owed far more than what my credit report states. This agent proceeded to berate and harass me at work like I personally owed her the money that was shown past due. She was extremely unprofessional and rude. I am now dealing with undue stress and anxiety from the conversation I had with her.

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 2019-07-17 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: GA

Complaint narrative:
Reporting agencies are failing over and over and over to remove fraudulent attempts to apply for credit because of a Security breach at XXXX XXXX XXXX in 2013, due to this identity theft. Despite my efforts of disputing this matter the federal court case remains as a public record on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Reporting agencies are failing over and over and over to remove fraudulent attempts to apply for credit because of a Security breach at XXXX XXXX XXXX in 2013, due to this identity theft. Despite my efforts of disputing this matter the federal court case remains as a public record on my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Advanced Recovery Systems, Inc. (PA)
State: NJ

Complaint narrative:
We are a XXXX firm who handles bill payments for our client as such we will receive notification from Vendors at times. 

When a client of ours had their Controller leave unexpectedly XX/XX/2018 it was at the beginning of a new lease. Things went awry in the process. the lease was turned over to 2 collection companies payments finally showed as of XX/XX/2018 when the 2nd collection company XXXX XXXX received the payments made to the first and posted into the system of XXXX. The client has made regular payments. XXXX has cancelled their agreement with Sage company. Now a 3rd company Advanced Recovery Systems ( ARS ) has since taken over the collection of the debt. 
ARS does not have accurate balance information and they call our office and yell and scream and demand a payment is to be made without a valid amount even to start the process. 
We also receive emails from the company. 
XXXX XXXX Executive Vice President Advanced Recovery Systems , Inc . 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX EXT XXXX FAX XXXX XXXX is not the person who calls as we are told he is the executive VP of the company and collection agents make the calls and they are not allowed to email or make agreements. only call and be nasty and demand payment on a disputed amount with no back up to justify the amount still.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation