vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I own property located at XXXX XXXX XXXX. XXXX, CA XXXX that I had lost in the Camp Fire XX/XX/XXXX. On the XXXX of XX/XX/XXXX I endorsed a check from the insurance company and sent it in to Seterus XXXX company for the amount of {$210000.00} to pay off the property and a letter requesting them to pay off the loan number XXXX for Seterus XXXX. The payoff of the loan was $ XXXX also requested that they send the overage of {$57000.00} back to me which they did do on XXXX XXXX. 

I started getting junk mail I thought from another mortgage company. When I did read one of the letters I discovered that Seterus had sold the mortgage I had just paid off to Mr. Cooper and they claim that I have a loan number of XXXX but I don't have a loan through them as I had already paid off the loan with Seterus before they sold it to Mr. Cooper. I have been told that I owe back payments on the mortgage. I have also been told that they have the money to pay off the mortgage in an account but are refusing to acknowledge that I have paid the account off. At this point Mr. Cooper says that I owe them approximately {$40000.00} in back payments for a loan I already paid off. 

I do not owe this money and repeated attempts to clear this up or even get anyone to talk to me from Mr. Cooper XXXX so I can figure it out have only resulted in demands for payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada)
State: UT

Complaint narrative:
On XXXX an alert notified me that a collection account had been reported on my credit report. The collection company, Allied Collection Services , Inc. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NV. XXXX. Phone : XXXX, reported a collection from XXXX of {$3900.00}. I disputed the collection account and requested an investigation. I requested validation of the account, as is my right. I did not hear back from the company or receive any documentation. I disputed the collection a second time. This time the following statement appeared on my credit report. " Subscriber reports dispute resolved- consumer disagrees ; original creditor XXXX. '' I have made several attempts to contact the company to resolve this issue, but after being on hold for over 15 minutes each time my call was " dumped '' into a voicemail box where a mechanical voice assured me I would receive a call back. I still have not heard from this company. This is an abuse of critical information. Allied Collection Services has been given the power to report to the 3 credit bureaus.When these collection agencies report errors they are more than errors they are errors that literally affect one 's future.The information provided in my report is used by lenders, insurance companies, employer 's and others who use this information to determine my credit worthiness, the price I will pay for credit and MY character. The consumer should NOT be penalized for a business ' bad business practice. Additionally, when collection agencies are unable to validate a debt it should be deleted completely from all three credit bureaus within 24 hours. This would allow a Rapid Rescore to restore ones report. Debt tagging is the term used in the collections field for a situation in which an innocent consumer is " mistakenly '' blamed for someone elses overdue debt, usually because of a similarity in names or some other type of mix-up. Allied Collection Services and other collection agencies use this tactic as a last ditch effort to collect the debt or collect information. They are hoping that by reporting these debts on every XXXX XXXX that they will get someone to say, " Hey this isn't me, maybe it's my cousin. We share the same name. Call him at XXX-XXX-XXXX. '' Debt tagging is wrong and should be illegal. Innocent people end up paying thousands of dollars because of this lazy business practice.Perhaps they will instill better reporting practices if THEIR errors directly affect THEIR bottom line. Repeat offenders should be banned from reporting to credit bureaus and fined. Allied Collection Services, Inc. has numerous complaints logged against them on the XXXX, XXXX and consumer protection. As far as I can tell, no action has been taken against them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: AL

Complaint narrative:
I pulled a copy of my credit report because of Covid 19 and I found an account and some names that did not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
on XX/XX/2021 I used paypal to send {$120.00} to XXXX for the service of providing XXXX vendor spaces at an arts and crafts show. When I detected suspicious answers from her about the event I asked for her credentials and she immediately put a block up against me so that I could no longer contact her via XXXX in a group page called " XXXX XXXX XXXX ''. I researched the event and found that it was made up and not really an event at all. I had just paid her for XXXX spaces and she was pushing me to pay for a XXXX event as well. I immediately contacted paypal who told me they flagged her account as fraud and there would be a XXXX to 10 day investigation. But there never was. The next morning paypal said they did not find in my favor of the dispute based on the reason I gave. ( They only had XXXX boxes to check on and none of them were fraud. ) So I called and spoke to them again and they again said they would do an investigation but to not worry I would be refunded in XXXX to 10 days, but again, the next day they closed the case and said my reason does not meet the reasons they have listed. I explained it was fraud and they do not have a checkbox for fraud. Again they said it would be investigated and not to worry as they would hold her money till the XXXX and then it would be deposited back into my paypal account. Today is the XXXX and I have not received my money, furthermore they have blocked full access to my account saying I have suspicious activity. They are also being frauded by this person who stole from me. I do not know what reasons she is giving them but they are taking her word over mine. I also supplied them with the phony ad she had on facebook that she was using to steel, not only mine but my co workers and others throughout the state of florida. I am afraid to give paypal the personal information they are asking me for in fear that she will somehow get it or that this paypal agent is in on this scam with her. XXXX There are roosters cackling in the background on these calls to paypal! ) please help me. 

I have provided proof of all interactions with payments in the attached files. It is clear the individual posing as XXXX XXXX gave the paypal for an individual named XXXX XXXX, and that paypal ignored the facts is insulting and hurting to people in an already struggling economy,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-22 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: TX

Complaint narrative:
XXXX, XXXX AND XXXX is reporting a negative remark on my credit report that is a result of identity theft. I have sent paperwork numerous times to Equifax claiming identity theft.

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 2021-01-22 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: AL

Complaint narrative:
I pulled a copy of my credit report because of Covid 19 and I found an account and some names that did not belong to me.

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 2021-01-22 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: FL

Complaint narrative:
I mailed Equifax an Identity Theft Affidavit, FTC report and other supporting documentation, delivered XXXX XX/XX/XXXX. I spoke with a representative XX/XX/XXXX and she stated that I needed to resend my FTC report because I had missed a date and they were unable to delete the accounts. According to 15 USC 1682c-2 ( a ) BLOCK Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Please see attached

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: IL

Complaint narrative:
Im reaching out because I tried formally disputing inaccurate and incorrect information that was reporting on my personal credit file. I have reached out several time with the last time being XX/XX/2020 but XXXX XXXX and Transunion are still deciding to report illegal information on my credit file that could be as a result from my identity being compromised from XXXX data breach- that Im apart of or a mixed credit file of another consumer. This is an automatic FCRA violation of not properly handing my dispute properly because I provided them with documentation on my identity, which shows my address and full social security number. 
I never received any mail in response to this either. It like I am being ignored! From a XXXX search I know I have rights and reporting this information is a direct violation of my rights. The following needs to be deleted.

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 2021-01-22 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: IL

Complaint narrative:
Im reaching out because I tried formally disputing inaccurate and incorrect information that was reporting on my personal credit file. I have reached out several time with the last time being XX/XX/2020 but XXXX Equifax and XXXX are still deciding to report illegal information on my credit file that could be as a result from my identity being compromised from Equifax data breach- that Im apart of or a mixed credit file of another consumer. This is an automatic FCRA violation of not properly handing my dispute properly because I provided them with documentation on my identity, which shows my address and full social security number. 
I never received any mail in response to this either. It like I am being ignored! From a XXXX search I know I have rights and reporting this information is a direct violation of my rights. The following needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
Hello, I called my bank, to inform them my paypal account was hacked, they reassigned my account. And caused my stimulus check and other deposits to be returned. They also did a reversal for funds that I did not tell them we're the issue, they did not resolve the issue. XXXX XXXX XXXX XXXX XXXX XXXX they caused paypal to go after, every person on my list because my account was hacked and instead of paypal correcting the matter they sent a card, they linked my bank account and people on my paypal accounts and went into all of our accounts unauthorized ... They have several of my despite issues ... I have several attachments that include the date and my concerns .. and everyone that has been effected. I am being punished financially for being a victim of financial theft ... Also my bank holds my deposits for a long time before releasing them causing me to overdraft on multiple accounts .. I also told paypal my account was hacked ... and all they did was send me another card.. now they are charging people on my paypal financial account ... And my XXXX XXXX XXXX XXXX., nor paypal are helping me or others financially we are victims of financial fraud, why are we being charged? Why are we being punished financially ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I bought a XXXX chevy silverado on XX/XX/XXXX at the chevrolet dealer in the city of XXXX california for the amount of XXXX with a very high interest of 13.39 giving a total of XXXX including the initial payment for a period of 60 months. The loan was financed by the XXXX XXXX XXXX. The final payment of XXXX was made on XX/XX/XXXX when I called to ask about the title they told me that on XX/XX/XXXX I received it by mail and I called them many times and they only told me That the state sends them an error and they don't know what it is, therefore, today, XX/XX/XXXX, I called them because I did not receive it and they only told me the same thing that the state sent them an error and they hung up the call.

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 2021-01-22 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}, {$1500.00}, {$480.00}. 
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 ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- STUDENT LOAN 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1500.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$480.00} -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 2021-01-22 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$1500.00}, {$480.00}.

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 ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- STUDENT LOAN 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1500.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$480.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CT

Complaint narrative:
I sold my currency in an app called Coinbase, I have money that is listed as available for withdrawal, and every time I try to withdraw my money a box pops up saying I have XXXX dollars available.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
I am in the process of refinancing my loan with LoanDepot. In addition to pulling my credit report, they conducted a Fraud Investigative Report through DataVerify. The information in the DataVerify report inaccurately stated that I was foreclosed upon when I owned my condo in XXXX. This information is false and my credit report shows on-time payments and I have the pay-off statement from my bank/lender, XXXX, to prove this. 

I have repeatedly asked XXXX for a copy of my report and I explained that it was my right to receive a copy under the Fair Credit Report Act and that they are required to provide the name of the agency that provided the report. They refused to give me a copy of the report, stating that the report was proprietary information. I was finally able to get the name of the Fraud Investigation company, DataVerify, but XXXX did not provide the address and phone number or a contact that I could reach out to, so I could request the information in my report to be corrected. 

It would be very easy to verify from my former lender, XXXX, that I was never in foreclosure and that I always paid on-time. They can see there was no negative mark from XXXX in my credit report and they can call XXXX to verify the information. 

XXXX has not notified DataVerify that I want to dispute the incorrect foreclosure information. I want the incorrect information removed from my files in their report and I want a copy of the report. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: GA

Complaint narrative:
Discover card is horrible they said that I was randomly picked for verification and I sent in and signed everything they needed through XXXX  and XXXX  sent me an email confirming that everything was done and accepted. Discover still didnt fix my issue with my card so I called and was told that it takes some time but I could upload three months of back statements and it would speed up the verification. This is all crazy because I had already had the card for several months and made payments before due dates because I very particular about my credit score. I think Discover is a scam on these secured cards where you are trying to build your credit. Total scam

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had previously reported on my issue with Wells Fargo on another dispute in which they had replied with an attached document and I responded because much of their statement was full of inaccuracies or lies. You folks at CFPB had closed this dispute which should have been further investigated but I had pulled my full Credit report and just noticed some additional inaccuracies or erroneous reporting on behalf of Wells Fargo regarding the dates in which they are reporting when I made payments on this account. 

I am requesting verification of cashed checks or debit transactions from Wells Fargo on these dates in which they claim I made payments on the account in question. I only made a payment in XXXX of 2018 while this account was in dispute and not on any other date. This would prove my claim of Wells Fargo 's erroneous reporting or lies to manipulate clients credit files to solidify their case. There were no payments made from XX/XX/2018 until XX/XX/2018 in which one payment was made and no other payments were made on this account what so ever while in dispute before or after 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 non-monetary relief