vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
On XX/XX/2022, I authorized a check payment in the amount of {$6500.00} to Radius Global Solutions. 

All other checks processed for payment cleared my account without any problems. 

On XX/XX/2022 XXXX XXXX I received an email from Radius Global Solutions claim. 


On XX/XX/2022, XXXX XXXX of Radius Global Solutions claimed on XX/XX/2022, the " payment posted '' but the " check was returned due to insufficient funds. '' This is factually incorrect. The reason I paid my balance in FULL was because there were sufficient funds in my account and remain sufficient funds in my account. All other authorized check payments cleared my account EXCEPT Radius Global Solutions. 
XXXX XXXX denied there was a delay. XXXX claimed he did not know if there would be " enough '' to for me to cover the debt. I responded that he was making inappropriate considerations. XXXX XXXX is not my financial advisor. I am the customer, I paid the debt in FULL. The business need not be concerned about my " ability to pay '' as the debt was paid in FULL with the expectation the business would complete their end of the transaction without ANY delays. XXXXXXXX XXXX  statement indicates he is acting outside the scope of his duties. My financial abilities should be of no concern to Radius Global Solution as my payment was made in FULL on XX/XX/2022. 
I informed Radius Global Solutions that I will be contacting XXXX XXXX bank about their business practices. 

I request an inquiry into the severe delay in processing my payment as it is now XX/XX/2022. 

Attachments ( 1 ) Radius Global Solutions Email to Customer

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 2022-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First National Collection Bureau, Inc.
State: FL

Complaint narrative:
on XXXX XXXX i recived a phone call and aletter in the mail by a debt collector name of : in regards of a collection that i never have no information about this accounts they are claiming .i do not have any attention on paying this company not a pennies am refusing to pay them.they have herassed me by calling me phone none stop repeatedly.they have violated my rights under fdcpa see15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called XXXX.15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except i will not pay this company, if they try to contact contact me again i will file a civil law sue..

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: HI

Complaint narrative:
Since NATIONAL CREDIT ADJUST has posted a debt I have no idea about on my credit report, I have disputed them and asked for proof of verification of my signature and such and they have done no such thing. They lie and instantly " VERIFY '' the accounts are in fact mine with the credit bureaus. I do NOT owe them a dime. I do NOT CARE if they are " Debt Collectors '' and think they can bully me into something I didn't do as I was in jail when this supposedly happened. I've told them my ex fiance put a lot of bills and debts in my name without me knowing and it's coming back to haunt me. They also do not respond to requests for proof of signature and incorrect opened date. PLEASE Reprimand them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: ME

Complaint narrative:
Incorrect Interest Saving Balance being assessed by Chase. See attached annotated statement for relevant information and explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc.
State: IL

Complaint narrative:
Good morning I recently took out a loan with American First Finance XX/XX/XXXX of XXXX I purchased a refrigerator the refrigerator was {$1600.00} they give you 101 days to pay it off with no interest or fees after that they tell you that you know the price will be higher yesterday XX/XX/XXXX I called them because I looked at my credit report and I wanted to try to pay off the loan my credit report only shows that I owe {$1300.00} so this is what Im looking to call to pay them once I talk to representative XXXX he made me aware that I still owe {$4500.00} I told him that is not what my credit report says and I told him I went online to try to find my contract and it wasnt available because they never sent it to me so he Then forwarded me the contract to my email so it shows that if I dont pay off the loan it goes up to {$6600.00} which Ive already paid {$1700.00} I told him I dont remember signing anything that says Im willing to pay something that high I asked him whats the interest rate on that and I think that its illegal to charge someone at least six times what they borrow and he said that its not .he then said the settlement offer would be {$3200.00} I still told him that price was ridiculous he dropped it to XXXX I asked him to just let me pay what it says I owe on my credit report which was the {$1300.00} he said no the lowest that theyll go is XXXX I then said at least drop it to XXXX I will pay that he said no I asked for a supervisor the supervisor XXXX agree to XXXX I still feel like this is unfair so I told them let me contact some people to see if this was fair that they were charging this amount and I will get back to them they gave me 30 days to except a settlement of XXXX I need help finding out is this fair and are they able to charge people ridiculous prices like this I honestly dont remember signing that I would pay this large amount but they sent me the contract so I guess Im stuck unless you could tell me otherwise

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I did not sign up for this card. You can see how it was never used. The amount they where charging was an annual.

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 2022-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
XXXX was notified of fair reporting act, Spring Oaks Capital LLC continue to park this old debt on my credit report, sabotaging the credit score on various occasions, the debt is to old to be on the credit report, and disputed this twice with XXXX. This debt was closed XX/XX/2014, reopening on different collection agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
Someone opened up an account using my name and social security number And then transferred money using XXXX to another person. Opened the account on XX/XX/2021 and then on XX/XX/2021 sent several electronic payments equaling {$210.00}. I received a statement from a collections company from the bank to settle the account balance, so I then went to the bank and reported it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Navy Federal has taken close to XXXX dollars from my accounts claiming I owe overdraft fees for accounts they charged off and removed from my online view when I ask for explanation and breakdown of charges I was hung up on twice I do not owe navy Federal this amount of money and this is fraudulent

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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: CA

Complaint narrative:
My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately.

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
Consumer complaint received 2022-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/2022, I received this email : XXXX ( XXXX XXXX ^ To : XXXX XXXX  XXXX Wells Online Fraud Department : let 's team up against fraud. 
WELLS FARGO your debit card was suspended due to irregular card activity, while this is in effect, withdrawals and purchases performed with your card will be declined and your online banking access will be suspended to protect your information. 
Please follow the instructions below to verify your identity : Log In to your online banking account. 
Complete the verification process to verify your identity as the account owner. 
You will be logged out from all active sessions to ensure security of your account. 
Log In to Online Banking Note : Your account will be fully secured once the verification process is completed. 
Thank you for choosing WellsFargo. 
Please do not reply to this automated email. If you have any questions please log In to I did not respond to the message, nor did I open any links. I logged into the Wells Fargo App and saw no messages from Wells Fargo about my ATM Card being suspended. I also never received and phone calls from Wells Fargo about 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 explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
I originally called PHH Mortgage on XX/XX/22 asking them to begin the process of removing my PMI. They told me that day documents will be mailed and to expect 7-10 days. Fourteen days later, I had not received so I called them and sent an email. They said it had not been mailed but the documents would be expedited and I should receive in 5 days. In the meantime, I received reply to my email saying the removal process had began and should be completed by XXXX. I replied that I had not received the documents so how could the process have been started. I waited the 3 additional days and still had not received the documents. So they escalated and said I should have in a week and they would call to follow up. Still they called me last Thursday and said it still had not been mailed and it had been escalated to her boss. I had talked with XXXX and we also had a couple emails back and forth. She told me should would call me on Friday. They are no longer returning my calls. The documents still have not been mailed. I sent a letter to them on XXXX last week with tracking. In the letter I made a formal request for the documents. I feel they have no intentions of working with me to remove my PMI. It's been well over a month and they have not put the documents in the mail to me. They are costing me money and I do not trust them. I hope they are not doing this to others. Can you please hold them accountable?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2022, I authorized a check payment in the amount of {$6500.00} to XXXX XXXX XXXX. 

All other checks processed for payment cleared my account without any problems. 

On XX/XX/2022 XXXX XXXX  I received an email from XXXX XXXX XXXX  claim. 


On XX/XX/2022, XXXX XXXX of XXXX XXXX XXXX claimed on XX/XX/2022, the " payment posted '' but the " check was returned due to insufficient funds. '' This is factually incorrect. The reason I paid my balance in FULL was because there were sufficient funds in my account and remain sufficient funds in my account. All other authorized check payments cleared my account EXCEPT XXXX XXXXXXXX XXXX. 
XXXX XXXX denied there was a delay. XXXX claimed he did not know if there would be " enough '' to for me to cover the debt. I responded that he was making inappropriate considerations. XXXX XXXX is not my financial advisor. I am the customer, I paid the debt in FULL. The business need not be concerned about my " ability to pay '' as the debt was paid in FULL with the expectation the business would complete their end of the transaction without ANY delays. XXXXXXXX XXXX statement indicates he is acting outside the scope of his duties. My financial abilities should be of no concern to XXXX XXXX XXXX as my payment was made in FULL on XX/XX/2022. 
I informed XXXX XXXX XXXX that I will be contacting Capital One bank about their business practices. 

I request an inquiry into the severe delay in processing my payment as it is now XX/XX/2022. 

Attachments ( 1 ) XXXX XXXX XXXX Email to Customer

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2021 I sent in a request for EQUIFAX to update my creit report information and remove unauthorized inquiries. I sent in documents to verify my identity which were my drivers license that shows my current address, my social securuty card, and a bill that shows my mailing address. I contacted EQUIFAX omn the following dates : XXXX, and XXXXI explained to EQUIFAX that I am unable to retreive my report from MYEQUIFAX.COM.It tells me that I have no identifying information and none of my credit accounts show on the report, everything shows XXXX.EQUIFAX claims to have escalated this issue 6-7 times to no avail. EQUIFAX gave me a case # XXXX on XXXX, and informed me that it would be escalated yet again. I pay for credit monitoring services and I'm unable to retreive my credit report neither are my creditors. I just attempted to retrieve my credit report today and it says '' NO INDICATOR ON FILE '' .I have attached the report from today as well. EQUIFAX continues to delay in correcting this issue that Iv ; e been dealing with since XXXX XXXXEQUIFAX has my identifying information and documents ( color copy ) that verify my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been battling with Equifax for months to remove inaccurate information from my report, I sent in my FTC identity theft report, supporting documentation, and consumer statement as required to block said information, which was not blocked in error, and since at least XXXX of 2021 Equifax still continues to report and is violating my consumer rights. Please see attached text for further explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately.

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
Consumer complaint received 2022-02-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION
State: SC

Complaint narrative:
They accepted a payment from a unauthorized party after I verbally and through expressed not to. I then made a two month payment AND updated our bank info with new bank info on the phone with a person and they still tried running the payment through our old bank. They have put some kind of block on our account via through the website that wont allow me to update the bank info again. When I called them about the unauthorized payment they began arguing with me cause they didnt want to reverse it cause it would cost them money. They tried telling me they were going to send ME the money from the unauthorized party in the form of a check, I said absolutely not you will reverse it cause I verbally told you not to accept it and you did anyways. Now they are purposely trying to cause a late payment that will affect my perfect credit and we are about to be getting anew construction loan. This house is sold and closes on XX/XX/XXXX. They lady who got very ugly with me on the phone is purposely doing this. Her name is XXXX, I was refused to be able to talk with their HR dept repeatedly. Ive been recording all phone conversations with them. My wife and kids in addition to the recorded calls are all whiteness as do all this stuff on speaker phone for these exact reason. We are in a world of customer no service and poor attitudes from people who are in the wrong line of work. 

SN Servicing is the company BEWARE of this company, they have no business handing peoples mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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: MA

Complaint narrative:
I sent a certified letter to Transunion to remove erroneous information on my credit report and the information is still on my report. I have enclosed the letter. I want this information removed once and for all. Thank you. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Radius Global Solutions LLC
State: VA

Complaint narrative:
On XX/XX/21 XXXX XXXX XXXX account was opened and have a balance of XXXX  On XX/XX/21 RADIUS GLOBAL SOLUTIONS account was opened with a collection amount of XXXX which i do not recall applying for. Im struggling to pay these off because 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 2022-02-28 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: Mr. Cooper Group Inc.
State: DE

Complaint narrative:
On XX/XX/XXXX, my mortgage loan was transferred from XXXX to Mr. Cooper. I was not made aware of this transfer. 
On XX/XX/XXXX, I utilized bill pay via my XXXX XXXX account to pay the XXXX payment to XXXXXXXX XXXX for {$2100.00}. 
My XXXX statement from Mr. Cooper came to me showing that I had missed XXXX 's payment. 
Since XXXX, I have been working with Mr. Cooper, XXXX to resolve this problem. 
I was told by Mr. Cooper that they would work to retrieve my XXXX payment from XXXX. I worked with XXXX and Mr. Copper for months to resolve this issue. XXXX stated that they did not receive the payment, however, my bank records show that they cashed the check received by XXXX XXXX Bill pay in XX/XX/XXXX. 
On XX/XX/XXXX, I see that my credit score dropped almost XXXX points. I called Mr. Cooper and was told that since XXXX told them that they did not have the money for XXXX 's payment, there is nothing that they can do! That day, I paid Mr. Cooper the XXXX payment and started working with XXXX XXXX with Mr. Cooper. Her number is XXXX XXXX I gave her documentation from my bank that proves that the XXXX payment was cashed by XXXX and she was going to submit that to her supervisor to look to resolve the issue with my credit score. Nothing has been resolved. I was told during this entire time by Mr. Cooper that my credit score would not be affected but it has and this is not my doing.

I need help please. How can I get this issue resolved ASAP with my credit score?

Company response to consumer: Closed with explanation