vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Lost home to Foreclosure sale in XXXX. The mortgage That was supposedly the reason for the Foreclosure waw a fraudulent mortgage reconveyed from a property that had been foreclosed on in XXXX being XXXX XXXX XXXX. A default judgement that was illegally placed onto my property at topic being XXXX XXXX XXXX XXXX nc XXXX was granted on XX/XX/XXXX. There was intentionally incorrect data given to the courts through a service member service status verification falsification. that being said i was denied my rights as a service member. since the foreclosure sale my family and I have been evicted by XXXX XXXX in XXXX of XXXX. This is a problem due to on XX/XX/XXXX A representative from XXXX XXXX made the claim that They didn't purchase the property from foreclosure sale in which XXXX XXXX Special proceeding files marked XXXX, and XXXX clearly have documented that in contrary that in fact XXXX XXXX was the highest bidder in the range of XXXX. I would like to have my home back with title. Also to have all damages repaired since wrongful eviction. Why would XXXX evict us if they didnt buy or have knowledge of purchase or ownership. I will include a copy of HUD1 that was provided by XXXXXXXX XXXX XXXX XXXX that not only has incorrect arithmetic but has a loan number that does not match The Pay off Demand letter that was also provided by Attorneys XXXXXXXX XXXX XXXX XXXX. The Legal description description from XXXX Register of deeds and XXXX does not match XXXX XXXX yet does Match XXXX XXXX XXXX. the sub trustee worked for the foreclosure firm and still to this does one said being XXXX XXXX XXXXXXXX XXXX XXXXXXXX trustee services. This company is part of XXXXXXXX XXXX XXXXXXXX XXXX. THE LOANS OR FORCLOSURES NEVER REFLECTED ON MY CREDIT NOR DO THEY CURRENTLY. THE SCRA STATUS VERIFICATIONS ARE NOT ACCURATE OR TRUTHFUL THAT WHERE SUBMITTED INTO SPEACIAL PROCEEDING FILES XXXX AND XXXX. THE XXXX XXXX SEARCH IF VALID WOULD HAVE REQUIRED MY SSN, DOB, BDAY, AND WOULD HAVE SHOWN AS A SOFT INQUIRY ON MY CREDIT REPORT. NONE DID NOR COULD THE D.O.D VERIFY ANY SUCH INQUIRIES HAD EVER BEEN MADE IN TH EPAST YEARS USING THE UNIQUE NUMBERS EACH REPORT DISPLAYS ON PG 2 OF REPORTS. SO THIS ENTIRE ILLEGAL SITUATION SHOULD BE EASY TO REMEDY FOR MY FAMILY AND SELF

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 2022-03-05 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:
I have recently checked my credit reports with XXXX, XXXX, and Transunion and have found duplicates reporting 's that is currently affecting my credit score. I have disputed these findings with each bureau, and they have not removed the duplicates from my credit file. Below are the duplicates showing on my credit file on Trans Union : XXXX TransUnion Account # : XXXX Duplicated twice on credit report XXXX TransUnion Account # : XXXX Duplicated twice on credit report I have recently checked my credit reports with XXXX and have found an account without an original creditor is listed. I am not aware of the allege debt and this reporting ' is currently affecting my credit score. I have disputed these findings with each bureau, and they have not removed the duplicates from my credit file. Below are the duplicates showing on my credit file on XXXX : XXXX Acct : 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 2022-03-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: GA

Complaint narrative:
National Recovery Agency XXXX XXXX XXXX XXXX, PA XXXX RE : ACCT # XXXX To Whom It May Concern : This letter is being sent to you in response to you reporting the aforementioned account on my credit profile with the credit reporting agencies.

This is not a refusal to pay, but a notice that your claim is disputed.

Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you claim that I owe you. I am requesting proof that : I am indeed the party you are asking to pay this debt ; the date of the alleged medical service ; the name of the patient ; and proof that there is some contractual obligation which is binding me to pay this debt.

Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY.

The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 

Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of XXXX ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. 

Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor, and, as this is a medical account, a copy of any HIPAA authorization.

Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of, or verifying of this account on my credit reports.

I require compliance with the terms and conditions of this letter within ten ( 10 ) calendar days, or a complete withdrawal, in writing, of any claim.

In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, XXXX  and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as violation of New York State medical privacy rules .

I also hereby reserve my right to take private civil action against you to recover damages.

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 2022-03-05 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: Certegy Holdings, LLC
State: NY

Complaint narrative:
Complain against ; Certegy Payment Solutions , LLC. 
XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Transaction Date : XX/XX/2022 Transaction Ref # XXXX Certegy Payment Solutions , LLC collect my information and use it to sell financial services to XXXX. 

Certegy Payment Solutions , LLC confirm they advise XXXX to decline my transaction based on false and incorrect information the company collected and use. 
The company representative confirm they based the decision they sold to XXXX, on information they refuse to allow me to correct/update and/or verify. 

The company representative also refuse to inform me, how i can update the inaccurate and/or incomplete information they used to sell financial product to XXXX. 

I contacted Certegy Payment Solutions , LLC, and ask them for a copy of the data they collect and the company refuse. 

Additionally, I was requested to provide personal information, such as social security #, XXXX Identification information, but when I request the company how my information is protected from fraud, misuse, sharing and abuse, the company refuse to provide any details.

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 2022-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/2022, while trying to log into XXXX account on my new tv, I was prompted to email XXXX to conclude the setup process. A phone number then appeared on the tv, which I called. They said they were XXXX employees and were turning over all XXXX  accounts to another type of account. In this fraud, I was told that for {$260.00} I would no longer have to pay the $ XXXX for XXXX XXXX for 5 years, and would also get several pay channels through XXXX  for free. Neither was true. I paid through PayPal. The next day when I realized the scam, I called XXXX who said they were aware of the scam against many others, and I would have to try to get refund through PayPal. He also said his experience was that PayPal would not refund for the fraud. I filed a dispute with PP, and they said they would contact me. There is no way to contact PayPal, either by email, phone or chat. The chat request sends you into a loop that never allows the chat to occur. I have contacted XXXX XXXX XXXX, and they refuse to refund. I also filed complaint with XXXX XXXX, who pays PayPal for me, and they said I could only go through PayPal in that PP was not the one that defrauding me. 

Below I will paste a copy of the PayPal transaction : Paid with XXXX XXXX XXXX Credit Card XXXX You'll see " PAYPAL XXXX '' on your card statement. 
{$260.00} Ship to XXXX XXXX " Address '' XXXX XXXX XXXX XXXX, CA XXXX United States Transaction ID XXXX Seller info AXXXX XXXX XXXX XXXX XXXX http : //advanceelectromech.com/ XXXX Purchase details One time {$260.00} Total {$260.00} Phone Number scammers gave me : XXXX, My customer ID # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 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 — Problem with personal statement of dispute
Company: LEXISNEXIS
State: AZ

Complaint narrative:
LexisNexis trespassed my Credit Report kept by XXXX XXXX releasing a different technique to assess my creditworthiness and such action has caused the lenders to decline my application for credit card applications. 

LexisNexis never had my authorization to release my creditworthiness to XXXX XXXX or any other national credit report bureaus, and their technique to value my creditworthiness is harmful preventing me to obtain the credit card I do need. 

Upon contacting LexisNexis to block their misleading information, LexisNexis mailed 3 letters referenced to my request contradicting their messages, see Case Number XXXX, Case Number XXXX, and Case Number XXXX. The XXXX letters prove their agency 's mismanagement of consumer report information. 

Their action to send 3 misleading letters indicates LexisNexis is a mismanaged credit report agency that continued causing me more harm than good.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XXXX I tried to call XXXX to fix an order. The people said the XXXX account has been compromised. They had me use XXXX to transfer XXXX XXXX They said the money would not come out. I was scammed. They bought XXXX XXXX cards and also too money from my XXXX account. Bank of has refused to give me the money back. I have made a Sherriff report and also reported to the FBI. I have made multiple calls and gone into the bank many times. I just get letters stating that I sent the money and need to get it back from whoever I sent it to. They also had me get an App called my desk and sign up for Crypto currency through moon. I read about scams and Regulation E. Can you please help me? Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
XXXX XXXX XXXX  XXXX took advantage of our perfect credit history and sold our loan off within 39 days after closing to what we have experienced to be a fraudulent incompetent servicer called Shellpoint Mortgage which I guess is owned by XXXX XXXX. We have tried to get support many times as they barely answer their phones, they lie about receiving simple documents such as auto pay for our loan, and never response to related fax or emails. This is disturbing as we own many houses and never had issues with normal banks but these two XXXX XXXX operations are trying it seems to force issues for home owners by not communicating now over 90 days to take auto payments perhaps attempting to force great credit worth experienced home buyers to be late so they can collect late fees. Unfortunately thats how this experience had been with XXXX XXXX now the servicer they passed us off too, shell point mortgage. 

Further they send threatening letters claiming our documented home insurance that we needed to close the loan with XXXX XXXX wasnt on File. We repeatedly called and sent emails to the requested communication emails with proof as did our insurance agent. Still no confirmation this was received to rectify their misappropriation of our documents they XXXX mortgage who sold us to this servicer should have organized and not harassed us by mail. They can mail stuff but cant respond when we many times to try to get them documents again to rectify their negligence. 

They werent even taking our information to set up an online account initially when we were transferred to shellpoint until a few days into our first Month under their contract ti service our loan. We couldnt get our new account information. Terrible fraud being perpetuated and negligence. We must investigate the process

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 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: U.S. BANCORP
State: CA

Complaint narrative:
My personal credit card ( ending XXXX ) with Elan Financial has a regular balance of {$40.00} ( see attached document from Elan 's myaccount access.com ). 

Elan Financial " criminally, willfully & fraudulently '' reported my balance of my personal credit card ( ending XXXX ) {$710.00}, to all credit reporting agencies in particular XXXX and XXXX. Thus, my XXXX score " dropped '' by at least XXXX points. This is NOT a isolated incident by Elan Financial- there are many willful and criminally motivated FCRA violations. 
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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 2022-03-05 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: PA

Complaint narrative:
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Experian has Failed to show many any proof. Who conducted the Investigation? XXXX XXXX BANK Is being incorrectly reported on my Experian credit Report

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 2022-03-05 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-03-05 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: DISCOVER BANK
State: AZ

Complaint narrative:
I was talking with XXXX XXXX for many months, we were gon na get married, get a house together, the whole being together, she needed money to get home and with the promise to pay it back in two weeks I wired {$10000.00} to an account in name of XXXX XXXX, I learned I was romance scammed, because I'm now XXXX  and she won't gove me my back, it's been 6 months. I have reported to all agencies that I know to report and nobody has gotten back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 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: NY

Complaint narrative:
They keep disputing the wrong account! I called to dispute the XXXX account and they removed my XXXX XXXX  credit card by mistake. I called them to fix this and they then dispute 3 of my XXXX accounts instead of the 1 I asked to be disputed! Today I got a notification saying the wrong XXXX account was removed!!! Im going to attach a picture of the account that was suppose to be disputed and removed! The XXXX account thats suppose to be removed has the date of XX/XX/2018!

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 2022-03-05 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.

Complaint narrative:
I have an issue with my credit report with transunion. Transunion report about someone else account on my credit. The name and date of birthday of that girl similar to me and she is getting services from XXXX but did not make a payment of {$220.00} which is due on XXXX XXXX. Because we both have same names and date of birth, so transunion put this due bill on my credit and going to decrease my credit score. It happened with me second time, earlier they put credit with same name who was customer of bell. Even in my whole life i am not customer of XXXX and XXXX. So, everytime they just match my name and birthday with someone who doesnt pay the bills on time and put myself in trouble. So, that is why, i want to make a complaint against them because they do not check whole information like Social insurance number or other specific documentation. Can you please reach out to them so that they can remove this false information from my credit report. I will look forward to hearing from you. 
I will really appreciate that if you can help me. 
Thank you Have a good day.

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