vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I made multiple payments towards the principal of my Wells Fargo loan account and I didn't see a significant difference in the loan amount. My escrow account has more than doubled. I asked for the account to be closed however, I have been getting the run around with Wells Fargo Mortgage representatives. I keep being told that the request was being placed in the computer has we spoke to later call and was told there was no request placed in the system. I'm asking an investigation into my complaint.

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 2023-02-04 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: SC

Complaint narrative:
These Inquires are Fraudulent on my Equifax credit report did not authorize these companies to pull my credit XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NC XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, VA XXXX Dispute this XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX,, XXXX, OR XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX , NC XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX , SC XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX, VA XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, SC XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX , NC XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX - , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX Dispute this XX/XX/XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, LA XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX, VA XXXX Dispute this XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, SC XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX Dispute this XX/XX/XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX, SC XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, GA XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, SC XXXX Dispute this XX/XX/XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX, XXXX, SC XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, SC XXXX Dispute this XX/XX/XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX, SC XXXX Dispute this XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, SC XXXX Dispute this XX/XX/XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX, SC XXXX Dispute this XX/XX/XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX , SC XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX , GA XXXX Dispute this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 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: TX

Complaint narrative:
I tried to fix this issue, XXXX address is a non-existing address, the other is a XXXX XXXX . I tried to open a TransUnion service account it's going nowhere 's The people on the phone are not in the XXXX and know very little XXXX they said they need my address. I gave it to them, it's been the same for XXXXyrs. Furthermore, I get put on hold hang up or silent call, it goes nowhere. I don't think they understand you and they're trying to get a translator. Not only that, but I just wanted to correct an address on my credit report that was wrong. 
Is there another way I can dispute my credit report with TransUnion

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 2023-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

ACTION TAKEN - Sent Certified letters for past 3 years since XXXX, XXXX XXXX to XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX, Contacted all 3 credit bureaus to file investigations to have removed.

1XXXX XXXX XXXX XXXX Past Due Amt : {$1500.00} - Orig Charge Off Amt : {$1700.00} Date Opened : XX/XX/XXXX ACTION TAKEN : Several attempts made to Remove debt due disability insurance on account. 

2- Business & Dates Requested : XXXX, XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX- XXXX, NC XXXX XXXX ( XXXX ) XXXX Account Type : Individual Auto Account Status : Date Opened : XX/XX/XXXX Date Last Reported : XX/XX/XXXX XXXX : {$11000.00} High Balance : {$20000.00} Balance {$0.00}

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 2023-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
Account name RESURGENT/LVNV FUNDING Account number XXXX .... 
Recent balance {$25000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$25000.00} past due as of XX/XX/XXXX. 

RESURGENT/LVNV FUNDING Account number XXXX .... 
Recent balance {$26000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$26000.00} past due as of XX/XX/XXXX. 

RESURGENT/LVNV FUNDING Account number XXXX .... 
Recent balance {$29000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$29000.00} past due as of XX/XX/XXXX. 

RESURGENT/LVNV FUNDING Account number XXXX .... 
Recent balance {$9800.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$9800.00} past due as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has constantly made no attempt to a proper investigation for account and inquiries I have disputed. I have asked Experian to please provide the names and business addresses of each individual with whom Experian verified the disputed accounts and inquiries, so that I may follow up, but Experian has failed to do so.

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 2023-02-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX my mother wrote a check for {$500.00} to Comenity-The XXXX. The check cleared on XX/XX/XXXX. It was never applied to my account. I emailed them on the XXXX and have called numerous times. They claim it to be in dispute. What happens if they do not find in my favor? We see on her bank account where this cleared. My XXXX account through Comenity now shows as past due online and the balance continues to increase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-04 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: Radius Global Solutions LLC
State: MS

Complaint narrative:
Radius Global Solutions have called my phone several time regards a medical bill that I dont know anything about. The charge is {$56.00}! I asked several time to verify that it was me and I havent received anything. They keep calling my phone and telling me that I need to pay this bill, lawsuits, garnishments etc. This is showing on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/XXXX, I received a noticed from USAA stating that my account was past due by {$10.00}. I called them on XX/XX/XXXX, to find out what happened. I was told XXXX that they did not receive my XX/XX/XXXX payment. I gave the information regarding the payment and said that my payment was sent on XX/XX/XXXX. As a result of their " not receiving my payment '' they charged me a {$15.00} late fee. 

This makes at least the fourth time in the past year XXXX years that USAA has claimed to not receive my payment and has charged me at late fee. Over the past two years, they have reversed only two of the late fees due to a " lost check ''. I routinely pay my bills via bill pay and have not received any complaints of a check -- USAA is the only company that seems to have this problem. 

During the call I also asked XXXX to send me a printout of the late fees charged to my account over the past 10 years, and she said that USAA did not have the ability to process such a report request. She said that a lady by the name of XXXX from billing gave her this information to pass on to me. She would not allow me to speak to billing directly. 

At the end of the conversation, XXXX refused to reverse the late fee and she refused to send me the information that I had requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Comerica
State: MD

Complaint narrative:
Good Afternoon, My name is : XXXX XXXX XXXX I am the legal and authorized representative payee for my son, XXXX XXXX XXXX. I have been using-Direct Express issued by : Comerica Bank . 
On Saturday, XXXX, XXXX, 2023 ; I was attempting to pay my son-telephone bill- Metro and the card number security code was not being accepted. I could not understand ; as I have paid with this card many times.

Inadvertently, when I called to get an account balance from, Direct Express ; I was switched to card services.

They informed me that card was blocked. I was advised of the documents that would be needed to unblock card. 
I faxed documents that were determined received ; but too dark. I then was advised of their email address : XXXX. I sent ten ( 10 ) email with copies of the documents front and back. I forwarded XXXX-State of Maryland, actual ssn card, address correction card and physical government employee ID from XXXX XXXX Government XXXX I was then advised on tenth try that ID were approved ; but birth certificate was still needed. All documents forwarded were received because of presentation of my birth certificate. 
Never the less, I had to obtain an appointment- XXXX/XXXX/2023 @ XXXX XXXX. I also went to Social Security Administration to report that I could not access funds. They contacted Direct Express and card is still block. 
My ticket numbers are : XXXX and XXXX. This willful refusal to unblock my sons benefits has created a severe hardship and exploitation of the a XXXX and vulnerable person. I can not even get my son medication and monthly expenses must be paid. 
In closing, this is a request for a full investigation as to the practices this company has and the willful neglect and financial exploitation that has been continuing with still no access to the benefits ( as I write this ). They never requested any of the verification when account was opened. They did not request my phone number or suggest and request my email and telephone number. They simply requested a PIN number to receive monetary government issued benefits. 
In closing, hopefully this company illegal practices will be brought to light and exposure to warn others and government officials of banking, and financial institutions and markets. 

Searching for Justice, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: VT

Complaint narrative:
That you fell behind on payments in XX/XX/XXXX and applied for the Vermont Homeowner Assistance Program. 

That Mr. Cooper submitted a V-Record to XXXX indicating that you were behind for your XXXX XXXX payment and that your reinstatement amount good through XX/XX/XXXX was {$9800.00}. 

That VHAP disbursed funds of {$9800.00} to Mr. Cooper in early XX/XX/XXXX. 

That Mr. Cooper improperly applied the XXXX funds and that your account is still indicating a large escrow shortage and late fees that should have been paid off by the XXXX funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central States Recovery, Inc.
State: MO

Complaint narrative:
i demanded, copies of contracts I signed and all records related to the debt. I have received none.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
This hard credit inquiry is On my credit report without my permission I request that you remove this hard inquiry off my credit report under USC 1681, and USC 1681S2 XXXX. : XX/XX/XXXX XXXX  XXXX XXXX : XX/XX/XXXX XXXX XXXX. : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX 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 2023-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Netspend Corporation
State: TX

Complaint narrative:
PayPal prepaid. I purchased the card 3 months ago from XXXX. I called to activate the card. Something happened on the automative recording. It says it's in another name. Well it shouldn't be. But even if it is the card should be limited use. The card is non active and I've gave netspend fraud department my identification and the info they needed more than five times. As well as PayPal prepaid. They give me all types of problems. Everything I 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 2023-02-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
This is now the 4th Complaint in a series of complaints hoping to resolve this matter that is over 100 days old. 
Please see the prior complaints : XXXX XXXX XXXX According to the USBank response to complaint XXXX, I had not sent the Affidavit of Unauthorized Paper Debit form, that the bank requested that I prepare and submit. I submitted it on XX/XX/2023 and then again today ( XX/XX/2023 ), to the email address provided : XXXX I continue to get zero satisfaction with these complaints and only responses indicating " We appreciate that you have chosen us as you banking partner... blah, blah, blah ''. 
I want my over payment addressed timely and thoroughly. I do not believe that to be an unreasonable request. Either I am being given the run around or this is truly one of the most incompetent organizations or at least complaints processes ever. I challenge USBank to do better. I am starting to think that I need to elevate this concern to the OCC and of FRB, and if that is not enough, getting a lawyer and initiate legal proceedings to address this matter. I have wasted so much time trying to resolve this issue ( phone calls, visit to the bank, and now filing these complaints ), but it is now the principle of the matter.

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 monetary relief
Consumer complaint received 2023-02-04 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: CA

Complaint narrative:
There is a late payment on my credit card reporting from XXXX. They bought the Credit Card section from XXXX XXXX. I have paid my credit card each and every month, when XXXX XXXX XXXX XXXX bought the Credit Card division from XXXX XXXX they did not transfer over the payments from my account to XXXXXXXX XXXX for that month and gave me a late payment despite the fact that I paid the Credit Card. I have called XXXX several times to get them to correct the error on their end and remove the late payment becasue it has dropped my score XXXX points. The late payment occurred in XXXX of XXXX despite the fact I paid the Credit Card with XXXXXXXX XXXX before it was transferred over to FBT. 

I have disputed the account with the credit bureaus 2 times on XX/XX/XXXX and XX/XX/XXXX stating this : " Please remove the 1 late payment from my report. The error was on the end the PFCP. It was when they bought out XXXX Credit Cards ; I paid XXXX and the payment processing did not transfer and XXXX told me to dispute the inaccurate late payment with the bureaus so you will remove it since the error was on their end. '' The Credit Bureaus stated that XXXX validated the late payment is accurate which is false.

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 2023-02-04 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: CA

Complaint narrative:
There is a late payment on my credit card reporting from XXXX. They bought the Credit Card section from XXXX bank. I have paid my credit card each and every month, when XXXX XXXX XXXX XXXX  bought the Credit Card division from XXXX XXXX  they did not transfer over the payments from my account to XXXXXXXX XXXX  for that month and gave me a late payment despite the fact that I paid the Credit Card. I have called XXXX several times to get them to correct the error on their end and remove the late payment becasue it has dropped my score XXXX points. The late payment occurred in XXXX of 2022 despite the fact I paid the Credit Card with XXXX XXXX  before it was transferred over to FBT. 

I have disputed the account with the credit bureaus 2 times on XX/XX/XXXX and XX/XX/XXXX stating this : " Please remove the 1 late payment from my report. The error was on the end the PFCP. It was when they bought out XXXX XXXX XXXX ; I paid XXXX and the payment processing did not transfer and XXXX told me to dispute the inaccurate late payment with the bureaus so you will remove it since the error was on their end. '' The Credit Bureaus stated that XXXX validated the late payment is accurate which is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 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: CA

Complaint narrative:
There is a late payment on my credit card reporting from XXXXXXXX. They bought the Credit Card section from XXXX bank. I have paid my credit card each and every month, when XXXX XXXX XXXX XXXX bought the Credit Card division from XXXX XXXX they did not transfer over the payments from my account to XXXX XXXX  for that month and gave me a late payment despite the fact that I paid the Credit Card. I have called XXXX several times to get them to correct the error on their end and remove the late payment becasue it has dropped my score XXXX points. The late payment occurred in XXXX of XXXX  despite the fact I paid the Credit Card with XXXX XXXX before it was transferred over to XXXX. 

I have disputed the account with the credit bureaus 2 times on XX/XX/XXXX and XX/XX/XXXX stating this : " Please remove the 1 late payment from my report. The error was on the end the XXXX. It was when they bought out XXXX Credit Cards ; I paid XXXX and the payment processing did not transfer and XXXX told me to dispute the inaccurate late payment with the bureaus so you will remove it since the error was on their end. '' The Credit Bureaus stated that XXXX validated the late payment is accurate which is false.

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 2023-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: NY

Complaint narrative:
XXXX XXXX has sent me to debt collector agency TrueAccord. I have never purchased any items in XXXX the jewelry. It says I owe {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Global Credit & Collection Corporation
State: NY

Complaint narrative:
Affinity company has sent me to debt collector agency XXXX. I have never purchased any items in XXXX the jewelry. It says I owe {$2000.00}.

Company response to consumer: Untimely response