vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: MA

Complaint narrative:
HI NRA National Recovery Agency - # XXXX XXXX XXXX XXXX ;??? FOR {$1400.00}??? 

Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

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 2021-08-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ERC
State: FL

Complaint narrative:
This company is trying to collect {$31.00} for an account over 17 years old! They dont even have my last name, just mailed it to XXXX XXXX at my current address. This was for XXXX XXXX XXXX XXXX. I told the collector I hadnt had that service in over 15 years and that the statute of limitations had expired many times over. 

Now theyve mailed another for XXXX XXXX. I did have XXXX  within the last 20 years but that was 3.5 years ago and XXXX sent me a refund because Id paid my final bill before my deposit was applied. I didnt address this one with them because Im already inundated with calls from XXXX and other unidentified numbers, even though Ive had this phone number for 16 years and been on the do not call list since its inception. 

The collection company is ERC, XXXX. XXXX XXXX XXXX fl XXXX. The phone number they give is XXXX. The correspondence address they give is XXXX XXXX XXXX XXXX fl XXXX. 

My credit report shows an on time payment rate of 100 % and I dont want it damaged over {$31.00} from 17 years ago when I no longer have records to prove I did or didnt pay this bill. This company is acting outside of the law and their tactics are sketchy and corrupt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: TX

Complaint narrative:
A thief broke into my house & stole a lot of my personal information. I have now been seeing a lot of request to open accounts in my name that I have not requested & had no knowledge. This information is not factual but Fraud. Please delete this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated
State: OK

Complaint narrative:
My Child Support card though Eppi had nearly {$500.00} in fraudulent charges. All charges were not within my normal purchase history and I was locked out of my account due to it being hacked. After talking with Eppi card services on multiple occasions, they agreed the charges were fraudulent and. It in line with my normal purchase history. They reversed the charges and then claimed they contacted 20+ vendors who my card was fraudulently used with and said all the vendors said they were authorized charges. After initially reversing the fraudulent charges, they went back and unreversed the charges. This has been on going for 5 months and is uncalled for. Further, I followed their procedure to request funds be direct deposited instead on being put on an unsecured card and they never complied with the request. I have no option but to use this card and I have no control over their security. They are playing games and hoping I give up and I will see this through to make sure it does not happen to other innocent victims. I am request that all fraudulent charges be reversed. I have spent hours submitting the documentation they requested and would like to join and class action lawsuits against this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RoundPoint Mortgage Servicing LLC
State: KY

Complaint narrative:
I've requested a payoff statement from Roundpoint Mortgage since they took over my loan effective XX/XX/2021 via phone, email, and fax and they have denied my request. They have had my loan for 7 months now and are advising they will not provide me with a payoff unless I sign a revised loan modification that they created. I have been trying to refinance on my existing loan and Roundpoint is stopping me from obtaining the best possible rates as they are still advised they will not provide pay off.

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 2021-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: FL

Complaint narrative:
WE applied to refinance our mortgage with Better. We both had excellent credit scores and had loan to value ratios of 50 % or better according to all of the online valuation sites. Everything was going along smoothly until Better decided to have the home appraised. We received a conditional appraised ratio that had us at 40 % loan to value, but the appraiser noted that we were in the process of building a pool. We had informed the appraiser and Better that this was the case, but the pool would not be finished by the closing date. Things quickly turned with our broker at this point. XXXX XXXX NMLS : XXXX. Mr. XXXX began to threaten our loan all of the sudden. He gave us unrealistic deadlines for new paperwork and when questioned, he admitted they were not due on his threatened date, that he did so to give us impetus to get it back to him. He also quit returning calls and was constantly unavailable and would only respond to emails. At one point, after avoiding three calls in one day, he sent out an email, 30 minutes after close of business, telling us we must have something new completed in less than 24 hours. After jumping thrpough all of their rings, they used the unfinished pool as a way of not closing our loan. We are now out {$550.00} for the appraisal, of which Better retains {$100.00} for pure profit, and have had our credit rating lowered by their multiple inquiries. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On XX/XX/XXXX in early afternoon ; I deposited a check in the amount of {$470.00} at the atm drive through at PNC Bank on XXXX XXXX XXXX XXXX XXXX, Pa XXXX. 
The atm glitch screen when blank took the check, I hit cancel traction it kept my check and showed on my receipt it deposit check! I went to drive through window spoke to the teller on what had transpired. She asked if I could come which I couldnt due to me on my way to work and didnt get off til after the bank closes. She than suggested I call customer service to handle the problem which I did immediately. The customer service rep credited my account with the funds. A months and half later I get a letter in the mail stating they were deducting {$50.00} due to the amount of the check and the letter also stated I could request proof of documentation of how they determined that amount. So I called them explain everything again & ask for prof of documentation and copy of the actual check. I was 4 different times by several different reps on different calls they couldnt find the check or provide proof of how they determine that amount. I needed to provide proof of the check, I said how if the atm took it before I could even get a copy of the image of the check! I than went to the person who actually wrote the check out to me she went to the bank on XXXX XXXX personally it was denied access to any copy of her cleared written checks for that month! Claimed they do not provide that service she than closed her account which she has been a customer their since 12 years of age. I than went to my local bank in XXXX Pa explain everything ; a request was put in for a rep to call me and I received an email from a XXXX XXXX executive client relations that I would need proof of the check! Exact same runaround but they refused to give proof of the check or documentation on how they came up with that amount!! This so unfair & unlawful practices on their part. I want my money back in my account & apology!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-11 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: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: MA

Complaint narrative:
I sent a letter previously, asking to reinvestigate the accounts being reported to my file but the bureaus never responded back. It has been over 60 days since then and I have not any response yet. I think I am being taken for granted, being taken advantage of and being ignored of my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly.

I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: NC

Complaint narrative:
MRS has contacted me claiming to be a debt collector via text me 8 times and called me 3 times starting XX/XX/XXXX for a debt of {$60.00} on behalf of XXXX XXXX ( who I have not had service with for over 18 months )

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
I had a city XXXX XXXX card and although I was set up on auto pay they very commonly did not run my payment on time and would charge me {$29.00} late fees. Because of this repeatedly happening I canceled and closed the card. I had a balance on it I was paying off. On XX/XX/XXXX I made the final payment of {$1600.00} and paid off the card. Yesterday XX/XX/XXXX I received an email from them telling me that my payment was late. I logged into my closed Citi account and found that I was charged {$9.00} interest. On my XXXX balance. I called them and I was told by a very abusive foreign man that if I did not pay this {$9.00} that they were going to continuously mark me late and that they were going to trash my credit. Again I was charged interest on a XXXX balance on a closed account. An account that I closed because they repeatedly fraudulently charged me late fees when I was on auto pay.

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 2021-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
I have TCF checking account. The problem with it is twofold : ( A ) ATM Debit transactions are not posted on everyday bases. Instead, multiple transactions are grouped in clusters and posted every other day, or even, every third day. 

In such way, it is very inconvenient, almost impossible, for customers to balance account and monitor for potential fraudulent transactions. 

( B ) Multiple venders have exactly the same ATM / Debit Terminal / Authorization number. 

For example, XXXX store and XXXX XXXX store have exactly the same Terminal / Authorization number : XXXX. That is so regardless of the fact that both vendors are located approximately two miles apart from each other. 

I find that to be illogical from accounting point of view and thus confusing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I went into a consumer credit transaction with this company meaning that this company used my credit card ( 15 USC 1602 ). By this company using my credit card means I extended them credit making me the original creditor and was supposed to be charged just the finance charge. Some reason this company has sold this account and have another company with my personal information send me mail saying that I am in debt with them. I have been attempting to resolve this issue with this company any the consumer reporting agencies but that hasn't worked either, they are continuing to report this debt to agency that I don't owe. It is ruining my reputation and putting me and my family in a financial hardship I have sent a letter to them and told them to cease all communication with me about this debt and clear the balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-11 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AES/PHEAA
State: GA

Complaint narrative:
According to 15 USC 1692a ( 3 ) and a ( 4 ), I am the consumer and the Original Creditor. FEDLOAN SERVICES is aware that they are in violation of the Federal Debt Collection Practices Act. Consumer has sent several letters in a desire to settle this matter privately with FEDLOAN SERVICES. FEDLOAN SERVICES are failed to provide any valid proof ( under pains of penalty of perjury ) that Consumer owes the alleged debt. FEDLOAN SERVICES have violated the rights of the consumer by : 1. Requesting a fee that is allegedly owed from the Original Creditor and acting as if they are creditor. FEDLOAN SERVICING has produced no contract proving that the consumer is indebted. Furthermore, pursuant to Truth in Lending Act, consumer is only responsible for finance charge, and that charge called a loan fee by U.S. Department of Education was subtracted upon disbursement and is in violation of 15 USC 1692 f ( 1 ) 2. FEDLOAN SERVICING failed to respond to the request of debt validation, failed to provide name and address of original creditor ( as defined by Federal Law ) to confirm debt, a violation of 15 USC 1692g ( 4 ) and g ( 5 ). ( See exhibit 1 ) 3. FEDLOAN SERVICING is reporting to the consumers credit profile without express written permission to report any information violating 15 USC 1692c ( b ) ( See exhibit 2 ) 4. FEDLOAN SERVICING is furnishing false and misleading forms indicating that the consumer is a borrower and not the creditor. Definition of borrow does not exist in 15 USC 1692a and is a false and misleading term which is violating 15 USC 1692 j ( a ). ( see exhibit 3 ) 5. FEDLOAN SERVICING did not disclose that the name FEDLOAN SERVICING is a DBA, and its true company name is XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1692e ( 14 ) ( see exhibit 4 ) 6. FEDLOAN SERVICING failed to provide the consumer upon his request for a true bill of all accounting on alleged debt as required by 15 USC 1666 ( reference exhibit 1 ) 7. FEDLOAN SERVICING failed to provide a three ( 3 ) day right of rescission to the consumer/original creditor pursuant to the Truth and Lending Act and 15 USC 1635a 8. FEDLOAN SERVICING utilized a form to give perception that they are affiliated, linked, or bonded with the U.S Department of Education violating 15 USC 1692 e ( 1 ) and e ( 10 ). ( see exhibit 5 and reference exhibit 3 ) 9. FEDLOAN SERVICING represents the alleged debt in positive figures, which cant be a debt and is false and misleading violating 15 USC 1692 e ( 2 ) ( a ) ( see exhibit 6 ) 10. FEDLOAN SERVICING was contacted with a termination/rescission letter for failure to respond and not providing full disclosure dated XX/XX/XXXX ( see exhibit 7 ) 11. FEDLOAN validates receipt of letter dated XX/XX/XXXX however did not comply with returning original security instrument or funds obtained from security instrument violating 15 USC 1635 b. ( reference exhibit 5 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My identity was compromised. I think it started from XXXX XXXX XXXX XXXX My account on XXXX XXXX was hacked, and the email address as well as the phone number was updated into some unknown ones. So I can't receive my account at all from their automatic recovery. The hacker has got my money from the bank, updated my personal info as well as started lots of fraudulent inquires on three credit bureau. I can't find any contact email or phone number from XXXX XXXX website other than just self recovery process. 
I tried to create another account under my identity, but they even refused that as well. This is very bad experience from XXXX XXXX, and I didn't even receive any updates for someone trying to update my email or phone number. I hope XXXX XXXX had the real people to handle the issue like this.

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 2021-08-11 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: NY

Complaint narrative:
My identity was compromised. I think it started from XXXX XXXX XXXX XXXX. My account on XXXX XXXX was hacked, and the email address as well as the phone number was updated into some unknown ones. So I can't receive my account at all from their automatic recovery. The hacker has got my money from the bank, updated my personal info as well as started lots of fraudulent inquires on three credit bureau. I can't find any contact email or phone number from XXXX XXXX website other than just self recovery process. 
I tried to create another account under my identity, but they even refused that as well. This is very bad experience from XXXX XXXX, and I didn't even receive any updates for someone trying to update my email or phone number. I hope XXXX XXXX had the real people to handle the issue like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: LA

Complaint narrative:
Hi I have been disputing this inaccurate and erroneous information on my credit file that belongs to someone else and i have been sending disputes for 7 months an no replies from the bureaus or answers and still the accounts are reporting on my report without proof that was requested. 
according to the fcra laws they have 30 days to respond and if not they have to remove. well its been 8 months and havent received anything. 
I have sent you some letters, i have sent to many to the bureaus but if you need them let me know

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