vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-27 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: NRA Group, LLC
State: NY

Complaint narrative:
I found out on Thursday, XX/XX/2021 that a debt collection agency that goes by the name, NTL Recovery Agency and also goes by the name, National Recovery, reported a false collection account on my credit report. This false report was reported on all the three major credit reporting agencies, XXXX, XXXX XXXX, and XXXX. 

According to NTL Recovery Agency ( also called National Recovery ) XXXX XXXX XXXX  referred a delinquent account supposedly in my name and with a past due amount of {$440.00}. NTL Recovery Agency falsely reported this as I do not have and have never had an account with XXXX XXXX XXXX. I have called XXXX XXXX XXXX  about this and the XXXX XXXX representative I spoke with said XXXX XXXX XXXX did not refer an account in my name to any collection agency, the representative confirmed that XXXX XXXX XXXX does not have an account in my name. 

I called the phone number listed for the debt collection agency, an automated female voice picked up the call and asked for my Social Security number in order to assist me. I of course did not provide my Social Security number. 

Please see the contact information listed on my credit reports for the debt collection agency below : NTL Recovery Agency XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX And National Recovery XXXX XXXX XXXX XXXX XXXX, PA 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 2021-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX, I received a notice that derogatory information from Amsher Collections Services was added to my credit report and they also added a false address to my credit file on after I filed a dispute. Amsher Collection did not initially have my home address and the credit bureus verified they updated my North Carolina address and changed it to a California address I do not reside at. 2 credit bureaus immediately deleted this false collection, but XXXX  is the only bureau to say that Amsher claim the debt is valid after I filed a dispute.

I have not received copies of any contracts, bills, statements, or debt verfication or requests for payment from Amsher. They only added false collection account information to my credit report without have made any prior communications to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: GA

Complaint narrative:
I have been having difficulties communicating with transylvia regarding inquiryou got an inquiries on my report II have been notified by XXXX that my email addresses have been found on a dark Web I have to recourse them to lock my credit report but translate it is not offer me these services and these increases are becoming the buildup have 20 inquiries in the last 4 months for transjunior Despite me reaching out to email and no asking for proof of equity they they refuse to either submit the proof or delete the increase regardless of my protection for identity theft and the problems I've been having with it I have notified XXXX and experience which was no problem they didn't investigation and he found that the increase was indeed not mine they removed it immediately immediately TransUnion refuses to And they refuse to supply me with the information that is be quiet to prove such credit increase is indeed valid I am being flagged flag as critics seeken chicken and I am not able to receive any assistance because of this report I am being denied and the reason stated is transjunior 2 is transjunior too many inquiries on my report within the last 12 months I don't even know how 20 inquiries is able to get on one report but not the other 2 I am aware that different companies request and different credit views but this seems to be a bit much and then I try to work with me I've submitted form XXXX and they have not responded I've sent them correspondences certified male for this XXXX disputes that they accept and Put online service that I used to send certified mail They have received my letters and when I called they told me they have not I am not understanding why they are Is not trying to investigate or help me help a situation XXXX but now I have no other choice but to reach out and to respectfully ask for help

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 2021-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
CFPB please help me with this, Ive sent numours complaints. Both you and Equifax seems to ignore them.. Ive also reach out to Equifax via phone mail and fax. Ive requested information be blocked from my report. Ive sent ftc report, Equifax is reporting the wrong date of birth for me.. I sent in proof of idenity also. It my belief this information is fraudulent or Equifax has mixed me credit file.. This needs to be fixed ASAP. I have multiple accouts that are not showing on my report because, Equifax has the wrong date of birth..AGAIN THE IS WRONG & A VIOLATOIN OF THE FCRA, INFORMATIOM REPORTING MUST BE TRUE AND CORRET. IF IT NOE FIXED ASAP I WILL CONTACT LEGAL HELP..

1. WRONG DATE OF BIRTH XX/XX/XXXX//WRONG! ( CORRECT DATE OF BIRTH XX/XX/XXXX )!!!! PLEASE FIX ACCOUTS NOT SHOWING BECAUSE OF THIS XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX  XXXX  XXXX XXXX, XXXX XXXX, XXXX, XXXX/XXXX, XXXX XXXX, XXXX PLEASE FIX MY DATE OF BIRTH SO MY POSETIVE INFORMATION CAN BE FIXED AND ALL OF MY ACCOUNTS CAN UDATE AND POSTED TO MY EQUIFAX FILE. 

CLOSED ACCOUNT NOT MINE XXXX  1. XXXX XXXX-XXXX  XX/XX/XXXX 2. XXXX XXXX  XXXX  XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5.XXXX XXXX XXXX  XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XX/XX/XXXX 7.XXXX XXXX-XXXX  XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XXXX 11. XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
My ppp loan was deposited into my capital one 360 checking account XX/XX/2021, I was able to use some of the funds before they locked my account saying i was using my funds wrong when I was using it how i was told i can use it by my lender its been almost 2 months since my funds been locked with no communication what so ever from capital one i Have submitted enough proof my loan has even been forgiven now by lender, Capital one is asking for more information then i had to provide my lender for my loan that was legally obtained for my business, I will be contacting a attorney

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Flagstar Bank, N.A.
State: NC

Complaint narrative:
My mortgage company, Flagstar Bank refuses to remove reported late payments from my credit report, for the months of XXXX and XXXX, 2020. A lump payment of over {$17000.00} was bank wired to Flagstar to accomodate all fees, payments due, and excess funds into an Escrow and Overage account. Flagstar admitted in writing this payment was received and processed prior to XX/XX/XXXX, yet they continue to report XXXX payment as late when it fact my mortgage was legally and fiscally up-to-date the day the funds were accepted. 
Flagstar also proceeded to charge a late fee for my XX/XX/2020 mortgage payment in spite of receiving another electronically wired mortgage payment plus additional " shortage '' fees paid as requested.

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 2021-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2021 XXXX XXXX reported debt owed by me to creditors. I have asked them to send me copies, stop calling my work place, and remove it as there was no judgment awarded by a Judge. I have court papers to proof that the Judge ruled in my favor and dismissed the false allegations. I would like the calls to stop from XXXX at ( XXXX ) XXXX. I also, have initiated a dispute with my XXXX XXXX account. 

Thanks kindly! 
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 2021-08-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
1 ) The mortgage servicer Mr. Cooper has denied the review of Mortgage Assistance for XXXX XXXX XXXX.2 ) Mr. Cooper states the monthly payment would increase therefore mortgage assistance application can not and will not be reviewed. However, Mr. Cooper has not provided any evidence of this, other than verbal communication.3 ) Mr. Cooper then stated that they would assistance and review any Loss Mitigation Assistance options and any efforts to resolve debt ; however a Ratified Contract of Sale has been provided to Mr. Cooper to sale property on XX/XX/XXXX and has not been honored4 ) Mr. Cooper has instead set a sale date of XX/XX/XXXX. Mr. Cooper plans on proceeding with the foreclosure sale, rather than honor the ratified purchase contract set to close on XX/XX/XXXX.5 ) The actions of Mr. Cooper are consistent with Dual Tracking. Dual tracking occurs when a mortgage servicer continues to foreclose on a borrower 's home while simultaneously considering the borrower 's application for a loan modification or other foreclosure avoidance option. In addition, Mr. Cooper violates the rule of RESPA AND ECOA, while failing to properly and timely provide Mr. XXXX with required communication in regards to Acceleration of debt, Verification of Debt, or any foreclosure communication.

2 This practice violates federal law ( 12 C.F.R. 1024.41 ) which ; The Consumer 
Financial Protection Bureau, which was established by the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010, issued mortgage servicing rules that, after being codified into federal law, went into effect as of XX/XX/XXXX. Among other things, the rules restrict dual tracking.

6 ) As stated in the opening of this Notice of Error, Mr. XXXX complied with instructions provided by Mr. Cooper and provided Mr. Cooper with ratified purchase contract. However, a foreclosure sale date was scheduled, and assistance and purchase agreement ignored. As of XX/XX/XXXX, the sale date of XX/XX/XXXX remains on record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo has transfered funds from my account to another account that I have never linked with.

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 2021-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
On XX/XX/2021 XXXX XXXX reported debt owed by me to creditors. I have asked them to send me copies, stop calling my work place, and remove it as there was no judgment awarded by a Judge. I have court papers to proof that the Judge ruled in my favor and dismissed the false allegations. I would like the calls to stop from Transworld at ( XXXX ) XXXX. I also, have initiated a dispute with my XXXX XXXX account. 

Thanks kindly! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: Westlake Services, LLC
State: FL

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report it has been well over 30 days and I have not received any investigation results

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 2021-08-27 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: FL

Complaint narrative:
FILED A DISPUTE LAST { 609 letter date } WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER { count the days from the 609 letter up to date } DAYS. I FILLED A 30-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2021-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I enjoy online gambling and have found it difficult in the past finding a bank account or service which allows me to easily deposit and withdraw from my casino accounts. I noticed PayPal advertise that they're service can be used with a lot of casino websites, so I created my account in XXXX last year. Since then I have been using my account to deposit and withdraw to online casinos ( all of which are legal and registered with the New Jersey Division of Gaming Enforcement ). Occasionally, I use the account to send/receive money from other friends with PayPal accounts. I use the account regularly ( almost daily ) and my usage has remained the same for at least 3 or 4 months at least with no issues. 

Two days ago XXXX XX/XX/XXXX ) I received an email stating my account had been limited. I was no longer able to send or withdraw my money until I responded to their requests for information. This was fine, and I logged in immediately to provide a copy of my bank statement and an explanation of the activity on my account as requested. The next day ( XX/XX/XXXX ) I receive an email stating I can no longer use PayPal and that they have locked my funds due to suspicious activity and potential risk! No further explanation. They also informed me that they have frozen my funds for 180 days and I will not be able to access them. The balance of my account is currently {$34000.00} which is obviously a significant amount of money. I can not lose access to my money for no reason what so ever. 180 days is an incredibly long time! 

As far as I'm aware, I have not broken any of their XXXX XXXX XXXXs or usage rules. I have only made transactions to online services registered with PayPal and sent money to other PayPal  accounts. I need your help to get my money back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-27 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: FL

Complaint narrative:
FILED A DISPUTE LAST { 609 letter date } WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER { count the days from the 609 letter up to date } DAYS. I FILLED A 30-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
TD closed my account in XX/XX/2021. In XXXX I called in to have me remove from any for of electronic payments, bill pay and XXXX. It is normally common sense to conduct since you are no longer a customer. 

As, XX/XX/XXXX the bank refused to honor my results and been collecting funds on behalf of a closed account. 
I attempted to resolve this issue. The bank workers claimed the matter would be resolved in 2 bussiness however it isnt true. 

My friend sent me emergency funds and TD refused to release the funds sent to me, back to the recipient.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: NJ

Complaint narrative:
I noticed fraudulent and inaccurate information on my report. Please delete and update my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST MIDWEST BANCORP, INC.
State: WI

Complaint narrative:
On XX/XX/2021 we contacted another financial institution about a HELOC. In gathering the documents needed to obtain this, we discovered our XXXX XXXX XXXX policy was cancelled XX/XX/2021. I contacted First Midwest Bank, our loan holder about this. They stated it was paid but since they " are a new servicer '' they did not have a closing disclosure. They required the loan XX/XX/2021 and were told it was already paid. The insurance and taxes are part of our escrow account. We had to pay out of pocket {$1800.00} to insure the house but our escrow continues to gather {$1600.00} to pay out the insurance policy. We have been literally robbed by this bank for the second time.

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 2021-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Every 2 weeks I have to call this bank, it's absolute inconvenience to have the same fraud alert all I am doing paying bills and ordering groceries, their are no disputes on my account. I submitted a complaint 2 weeks ago for the same EXACT scenario, I was promised this wouldn't happen again and here we are again another inconvenience, why are these alerts and flags all of sudden placed on my account? No one has any accurate answers!

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 2021-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC
State: TN

Complaint narrative:
I check my consumer report & seen that SPRING OAKS CAPITAL LLC was reporting a ALLEGED DEBT on my report! SPRING OAKS CAPITAL LLC never sent me any information about this ALLEGED DEBT. I am disputing and requesting validation according to Title 15 U.S. Code 1692g SPRING OAKS CAPITAL LLC HAS TO REMOVED ALLEGED ACCOUNT FROM MY CONSUMER REPORTS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc.
State: NJ

Complaint narrative:
I applied for the mortgage and received a disclosure statement. We agreed on the terms. They required me to pay for the appraisal, so I paid {$500.00}. The appraisal was completed, and the appraiser did a very poor job and undervalued our home. He used comps over a mile away in a lower priced subdivision bordering a highway when there were comps within .25 miles of our home. He left out critical details and upgrades, forgot to take pictures, did not adjust for the fact that we completely remodeled the home. 

I complained to Better and provided six alternate comps literally down the street from us that sold more recently. I asked for them to tell the appraiser he made mistakes. The valuation team would not consider the comps or address the issues with the appraiser. I had another independent appraisal performed afterwards that valued the home above my estimate. I offered to provide the appraisal and Better would not take it. The processer began threatening to withdraw the application if I did not accept the appraisal and continue providing documents. They never refunded the difference between the {$500.00} estimated appraisal fee I paid and the actual appraisal cost.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I have previously sent PORTFOLIO RECOVERY ASSOCIATES a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges that PORTFOLIO RECOVERY ASSOCIATES claim I owe. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation

Company response to consumer: Closed with explanation