vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: DE

Complaint narrative:
Around XXXX I received an automated call from Mr. Cooper saying that my escrow account had a shortage of {$380.00} and that my mortgage payment would be going up unless I paid the shortage. I stayed on the phone and was connected to an agent who explained that I had to maintain a balance of {$750.00} at all times in my escrow account and that I would be short at some time during the year. I explained that there was a credit of {$340.00} that should have been applied to my escrow account due to a double payment of a mud tax. He said that there was still a deficit. I hung up and reviewed my online escrow analysis statement and did not see the {$340.00} credit to the escrow. I called back and the agent I spoke to this time told me MR. Cooper has the right to raise my escrow payment because they do not know how much payments out of escrow my increase. I asked her about the {$340.00} and was again told I needed to maintain a balance of {$750.00}. I hung up with this agent. On XXXX I called back and asked to speak to a supervisor in the escrow department and was connected to XXXX XXXX who stated he did not see the {$340.00} credited and was escalating the issue because my XXXX payment was approaching. He asked me to give him until Monday XXXX and he would get back to me. On XXXX I emailed MR. XXXX because I had not heard back and received no response. I called on XX/XX/XXXX and informed the agent XXXX that I wanted a supervisor to call me back on XX/XX/XXXX, XXXX told me her supervisor was off but she should communicate this request to other supervisors XXXX or XXXX. I did not receive a call. I further reviewed the escrow analysis and was able to determine that the escrow credit was applied in XX/XX/XXXX. The issue is on the XXXX analysis they did not give credit for the XXXX escrow payment of {$610.00}. I called on XX/XX/XXXX and spoke with XXXX and explained this to her and she ran a new escrow analysis and this time said the shortage was {$340.00}. I asked her how this was possible, she sent me the new escrow analysis and with this one she added the XX/XX/XXXX escrow payment but removed the XX/XX/XXXX payment that had been on the original escrow analysis of {$570.00}. I asked to be put in touch with a supervisor in the escrow department and was transferred to XXXX an escalation specialist. She was going to submit a request for an escrow analysis to be ran reflecting a payment for each month in the statement, The shortage is caused because I am not being given credit for a month 's payment of escrow which has lowered the projected beginning escrow balance which is reflected as XXXX. My current escrow balance is {$1300.00}. No one has been able to explain to me why the numbers in the escrow analysis are not reflective of the current balance/payments that I can view online.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ivy Street Development Corp.
State: NY

Complaint narrative:
I recently checked my XXXX Credit Report and saw that Southern Tier Credit Collections had placed two negative late payments on my report. One for {$6600.00} and the other for {$1700.00}. Supposedly these accounts were opened on XX/XX/2018 at XXXX XXXX XXXX XXXX in XXXX NY. I have no knowledge of these bills, was never contacted regarding them and never asked for payment either by the hospital or the collection agency ; therefore the bills were never late. I have no knowledge of, or have any medical insurance claims for this date, or date range, and my medical insurance company, XXXX, believes that this may be a case of medical fraud, fraudulent medical billing or an illegal collection with made up amounts by Southern Tier Collections. I am asking that someone look into this matter. I have disputed this matter with XXXX but all Southern Tier Collections will tell the credit reporting agency is that they believe the account belongs to me. However, there has still been no attempt at contacting me ; this leads me to believe that this collection is fraudulent and I would like assistance in getting this removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: WA

Complaint narrative:
Hi, I opened the Netspend card account in approximately XX/XX/2020. I have been using it to receive my unemployment money every month ever since. Suddenly, on XXXX XXXX ; I could not access my unemployment benefits. I called and Netspend Customer service and they told me that I suddenly had to " verify '' my account. When I asked them why, they told me that they " looked '' me up and that the phone number that I had always used on my account belonged to someone else ( my brother ). I did not give them permission to dig in personal business and check the ownership of my cell phone to verify my account suddenly. They claimed that I " never gave them documents '' when I opened the account. I am certain that isn't true. Also, they do not have a secure link for me to upload the personal documents that they demanded from me. I am concerned about identity theft, now. I allowed them to bully me into emailing them my social card and state photo ID via email. I emailed these documents to them on approximately XX/XX/2020 and they promised to fix my account so that I could access my unemployment funds and they still haven't. I need my funds and I would like for the recorded calls and emails to be reviewed. The company appears to be uncouth. I feel that it was wrong to deny me access to my funds and for so long. I also feel that my privacy was violated twice. When they " investigated '' my phone number without my permission and when they demanded documents from me out of nowhere. 
Please assist as soon as you're able. 

Thank you, 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 2020-11-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
During a dispute with Experian accounts are being reported over 7 years and they are pencil whipping dates.

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 2020-11-13 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not 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 explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Back in XXXX fraudulent charges were made to my account. I called Capital one and explained I did not make these charges. They opened a fraud investigation my money was returned however they are claiming the merchant refunded me as well which they did not. The so called merchant was using XXXX as a cover for their activity. Now here it is XXXX and the bank took two withdrawals in the amount if XXXX and after some debating will not put it back. They treated me like I was doing something wrong and now I feel my money is no longer safe with Capital one 360

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: Alorica Inc.
State: TX

Complaint narrative:
Several years ago I took out a loan from XXXX XXXX XXXX. They sold that debt to SST whom, I pay regularly. For some reason they reported that my payment was thirty days delinquent to the credit reporting agencies, and has refused to correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The credit bureaus/collectoion agencies have yet provided me with the validation/proof of debt that ive been requesting since XX/XX/2020. Numerous of accounts with inaccurate/invalid reportings per the metro compliance requirements. not to mention allowing companies to report such debt when thyre not licensed in the state of Texas

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: Block, Inc.
State: NV

Complaint narrative:
cash app has no customer servce number for m to get any info on who has access to multiple accounts under my name.I 've emailed and haven't had any assistance with obtaining my billing and personal info. I need bank statements and access to new and old username and passwords.i believe people have been fradulently using bank/wire tranfers to move deposit on my account. i also need to know if my government benefits are being direct deposited to any cash app card that under my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
This account showed up on my credit report. I have no knowledge of the debt. There is no signed contractual agreement that shows that I'm to pay this company this debt. There is nothing signed by me and I have never received any type of service or card from this creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: OH

Complaint narrative:
TO WHOM IT MAY CONCERN XXXX XXXX XXXX Despite three requests, there is still no PROOF OF CLAIM, and items listed below still remain on my credit report in violation of Federal Law. You are required under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The law is very clear as to the Civil liability and the remedy available to me Consumer Protection afforded by the FDCPA if you fail to comply with Federal Law. 
I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FDCPA, FCRA and FTC.

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 2020-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY 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 2020-11-13 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: EQUIFAX, INC.
State: TN

Complaint narrative:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY 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 2020-11-13 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: OH

Complaint narrative:
TO WHOM IT MAY CONCERN XXXX XXXX XXXX Despite three requests, there is still no PROOF OF CLAIM, and items listed below still remain on my credit report in violation of Federal Law. You are required under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The law is very clear as to the Civil liability and the remedy available to me Consumer Protection afforded by the FDCPA if you fail to comply with Federal Law. 
I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FDCPA, FCRA and FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: OH

Complaint narrative:
TO WHOM IT MAY CONCERN XXXX XXXX XXXX Despite three requests, there is still no PROOF OF CLAIM, and items listed below still remain on my credit report in violation of Federal Law. You are required under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The law is very clear as to the Civil liability and the remedy available to me XXXX XXXX afforded by the FDCPA if you fail to comply with Federal Law. 
I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FDCPA, FCRA and FTC.

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 2020-11-13 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: TX

Complaint narrative:
Several years ago I took out a loan from XXXX XXXX XXXX. They sold that debt to XXXX whom, I pay regularly. For some reason they reported that my payment was XXXX days delinquent to the credit reporting agencies, and has refused to correct it.

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 2020-11-13 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:
Several years ago I took out a loan from XXXX XXXX XXXX. They sold that debt to XXXX whom, I pay regularly. For some reason they reported that my payment was XXXX days delinquent to the credit reporting agencies, and has refused to correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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:
Several years ago I took out a loan from XXXX XXXX XXXX. They sold that debt to XXXX whom, I pay regularly. For some reason they reported that my payment was XXXX days delinquent to the credit reporting agencies, and has refused to correct it.

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 2020-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
This account showed up on my credit report. There is no written or physical documentation that I signed saying that I will pay or owe Southwest this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: NV

Complaint narrative:
This account does not belong to me. I have not received any papers from this collection agency to dispute this 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 2020-11-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
Im the Fiduciary for my deceased fathers Estate. I attempted to get the payoff for the home. When I called XXXX and requested the payoff amount for the mortgage. They then referred me to the law firm ( XXXX XXXX XXXX XXXX ) handling the foreclosure. I requested from them in writing the payoff amount of the loan along with the amount needed to reinstate the mortgage. The law firm requested fiduciary documents. I provided those documents and they notified me theyd contact XXXX regarding my request. XXXX came back with documentation stating that I must provide some type of contract before they can provide the payoff amount for the mortgage. This is a violation of Reg 1026.36 ( C ) ( 3 ). Their refusal to provide the payoff amount prevents me from fulfilling my court appointed duty as Fiduciary, and from trying to save the home from foreclosure. This should be more transparent. The mortgage company/lender should be able to provide the amount needed to payoff the house mortgaged by them. A contract from some other third party has nothing to do with them being able to provide a payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XX/XX/2020, Capital One credit card company sent me an email reminding me that my credit card payment was due. It offered me to make the payment due that day by clicking a send payment button. It was quick and easy and I have used this service before without a problem. 

Problem 1- The Capital One credit card payment was being taken from a Capital One checking account that I had closed XXXX  years ago. 

Problem 2- The payment was returned and I was charged the high-interest rate on my {$3100.00} balance credit card balance along with a late payment fee.

This was definitely a fraud and requires attention as I did not even have this OLD checking account as my payment. History will show that I had been using my XXXX account which I had since the XXXX. 

Submitted are the email and last year of payments to Capital One credit card from a bank different than the one they offered payment.

Company response to consumer: Closed with explanation