vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
****CASH APP IS A SERVICE DEVELOPED BY SQUARE INC.******** On XX/XX/XXXX, I submitted a payment as $ XXXX to XXXX XXXX under his CashApp name $ XX/XX/XXXX. A total of {$1500.00} was sent to $ XXXX for a mortgage payment. Within one hour, at XXXX XXXX, XXXX XXXX ( $ XXXX ) refunded the amount of {$1500.00} back to me ( $ XXXX ). A CashApp receipt was generated for the refund. The original transaction sent to XXXX XXXX shows as refunded with an 'Identifier ' of # XXXX. I am assuming this is CashApp 's version of a confirmation number. 

The original recipient of the funds sent an email to CashApp on XX/XX/XXXX when I informed him that the funds were not back in my CashApp profile or my bank account. I have emailed CashApp several times regarding this issue and I am still being told that the funds will be sent back to my debit card within 2-3 days. I received an email reply on XX/XX/XXXX indicating that I need to speak with my bank regarding this issue. I do not believe that this is a bank issue because the funds were completely removed from my account via CashApp. I talked with XXXX XXXX XXXX XXXX on XX/XX/XXXX to discuss the issue of the refund. I was informed by the teller that this is a CashApp issue and funds have to be placed back onto the card from which it came from. When this happens ... XXXX XXXX XXXX XXXX will show a pending deposit coming into my account. 

To this date..CashApp has taken no steps to send the {$1500.00} back to my account. Whenever I send an email to check on the status, I am getting replies from a different person each time with same response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
I inquired with US bank, my mortgage holder, about an equity line of credit as my septic system is needing replacing. I currently have a mortgage where I had financial assistance for the down payment of my home. The original down payment assistance was {$15000.00}. If I am in my home for at least five years, I will not have to pay it back but it shows up as an added lean on my home. Every year this lean goes down. The original was {$15000.00}, now it shows up as {$6000.00} on my mortgage, and now going into the 4th year in a few months it will be a {$3000.00} lean. I inquired if this would be an issue in getting an equity line of credit and was informed that I could not have 3 leans on the house, but all I would have to do is transfer the down payment assistance lean on to my new line of credit and it would be no issue. It is a down side that I would have to pay the amount that I wouldn't normally be expected to have to pay back, but I was more than willing as I am in a desperate situation with my septic. Well, fast forward a month of being put through the ringer for all sorts of information, and I have been declined for the loan - why? Because of the down payment assistance lean. I inquired further, stating I thought it would just transfer over to the line of credit. I was then told that that information I was originally given was incorrect, and that there was a recent change of policy. I find that unacceptable. My credit is now negatively impacted because US Bank 's employees are unsure of policies and are not informed of policy changes. I specifically asked in advance if it would be an issue, because I did not want my credit negatively impacted for NO REASON. Their solution is for me to APPLY FOR ANOTHER TYPE OF LOAN WITH THEM! Great, that would result in ANOTHER hard hit to my credit. And not to mention, how am I to know if I am being told the correct information again? Unacceptable business practices.

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 2020-01-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I'm asking for your help with the dispute of two same fraud collections I have on my credit report. Recently I got a letter from XXXX XXXX XXXX that I have a collection amount of {$890.00} which the original owner from XXXX XXXX XXXX - Equipment. I research online when I got this letter that many people got the same amount, so I thought this is a fraud. A few weeks ago, I got a letter to ignore this and the last time I have a business was in XX/XX/XXXX, which I use my XXXX tax id to open the credit card processing. Since I thought this was all clear/mistake, so I throw away that letter. On the day of XXXX, I got an email alert from Experian that I have 2 collections from the XXXX XXXX XXXX. I contacted Experian on XX/XX/XXXX, which I have to wait for an hour before I can put a dispute. When spoken to them, it seems they don't take down any note from my explanation to do their investigation. I try to tell them there is no way I have the same 2 collections at the same time. On XX/XX/XXXX, I got an email said the dispute investigation is complete. I try to get online to read the report, but couldn't find any detail. I would expect they would take time to investigate this matter since they use my personal information for their monetary benefit. 
I have contacted the third party that sold me the service, and they said all of my accounts are clear. I have to contact Experian again to see what happen, but I don't have time to be waiting on hold for an hour. I'm a XXXX veteran and I don't have this kind of energy to with hours of my time to fix an error that is not my end.

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 2020-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Conn's, Inc.
State: TX

Complaint narrative:
Conns XXXX XXXX started calling me on XX/XX/XXXX. Thwy are looking for someone named XXXX. I received 2 calls on the XXXX, XXXX on the XXXX, XXXX on the XXXX, 1 on the XXXX and one today ( XX/XX/20 ). I have explained to them that they have the wrong number. I have blocked their number, and now Im issuing this complaint. Each time I block a number, they call from a new one. When I tell them that there is not an XXXX here and that this has been my number for over a decade they say that Ill be removed. Sadly, they just keep calling me. If this continues, I will have to contact a lawyer and sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citibank was running a promotion for their various Savings accounts, where a new account would receive a {$400.00} bonus after depositing {$15000.00} in a new account within 15 days of account creation, and maintaining that balance for 60 days. 

I signed up for the account using a direct link on their website on XX/XX/19, deposited {$15000.00} on XX/XX/19, within their 15 day day window, and account has remained above the minimum {$15000.00} balance for the past 90 days. 

I've spoken with Customer Service, and they are having " internal difficulties '' finding the registration code on my account, even though I spoke to a representative a week after funding my account and they noted that all requirements had been completed, but would have to wait the stated 60 days before receiving the bonus.

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 2020-01-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ACQ Holdings, LLC.
State: WI

Complaint narrative:
Repeated calls at work, repeated calls on personal phone. I tried to resolve situation by offering a payment plan once a month, they wouldn't do it. I revoked the ACH well before my first due date and they started to harass me and turned the debt as " defaulted '' to some XXXX XXXX XXXX XXXX XXXX XXXX whom is not licensed to practice is WI. Furthermore, this online loan agency is not licensed to give out Payday or installment loans in the state of WI, thus making this online loan that was given out illegal and void.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: GA

Complaint narrative:
I spoke with a supervisor named XXXX in XX/XX/XXXX regarding a debt of {$600.00} which they purchased pennies on a dollar from XXXX. I wanted to talk settlement as I requested she submit in writing the amount of the debt along with an arrangement and to also clear my credit file of such debt. The arrangement paying {$500.00} inlieu of {$600.00} and for them to submit in writing the arrangement. She mentioned they would sue me if I did not pay. I was served with a notice XX/XX/XXXX of a civil suit filed against me which would include fees they accrued from filing. A simple request to someone that was negligent turns into a legal matter as I did not agree on payment or this debt without a written confirmation. Which I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
Comentity Bank keeps calling my phone number repeatedly for my son-in-law, but does not contact him.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-02 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: Wellmont Health System
State: TN

Complaint narrative:
I am receiving medical collection debt calls from a 3rd party company called MCOT, Inc who states I owe a balance to a client by the name of XXXX XXXX XXXX yet their client is unable to provide a written documented time stamped audit trail showing that I actually owe them anything or that they every tried to notify me in writing that I owed a debt yet MCOT still calls threatening to ruin my credit if I do not pay up the amount they say I owe their client.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: M&T BANK CORPORATION
State: NC

Complaint narrative:
I had contacted M & T Bank back in XXXX / XX/XX/2019 that I was selling my home. My home sold on XX/XX/2019 where the proceeds to " PAY OFF '' M & T bank were wired the same day of XX/XX/2019. M & T Bank did not update their records and website to reflect that the mortgage I had was PAID IN FULL, and started Foreclosure proceedings on XX/XX/2019. To DATE, the records are not updated, correct, or have the correct amount PAID IN FULL of the mortgage account I had. 
I have written M & T bank Certified letters and to date this bank stills respond back incorrectly as to the facts and amount of the balance owed.

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 2020-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC
State: NJ

Complaint narrative:
XX/XX/XXXX XXXX XXXX has hired Radius Global Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX to collect on my debt of XXXX. 

I am not disputing the amount owed or any interest owed to XXXX XXXX. I have been discussing my account with XXXX XXXX, and trying to work out a reasonable solution. 

I was receiving many phone calls at work and I did not want to discuss my personal business on the phone. 

Radius Global Solutions did an area search of all my neighbors and reached out to a retired Sheriff and asked them to reach me for a personal business matter - which means to anyone including a Sheriff its a debt collector. This neighbor has nothing to do with my family and should not be exposed to my personal information. 

When I complained to Radius Global Solutions - the response was they will remove the number and add it to a do not call list. They told me it was in my contact list in my XXXX XXXX Profile. This does not make sense, I never created a contact number in my XXXX XXXX profile for this neighbor, which does not share our family name. So Radius Global Solutions lied to me knowingly breaking the law on sharing personal information on a US consumer. 

I clearly understand the motive and I understand the job of a debt collector, it is the blatant abuse of a person in debt like me from firms like Radiant Global Solutions that must stop. 

The tactic being used is to embarrass and humiliate the debtor to submission. I was always in contact with XXXX XXXX and I intend to make good on my debt. 

Radius Global Solutions intentionally contacted my neighbor to create a atmosphere of guilt and shame and purposely reached out to a local law enforcement officer ( Retired ) to make sure I would be compelled to call them and make a deal to pay this debt. 

This is unacceptable and illegal. I have been an XXXX XXXX XXXX holder since XX/XX/XXXX and now because of temporary hardship issues I must make a different payment arrangements to make good on this debt. 

XXXX XXXX is a great company and I want to pay this debt in full, I am sorry that I can not pay the debt today, I just do not want to be ridiculed and embarrassed in my own home town.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 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: WA

Complaint narrative:
Transunion and XXXX  XXXX reporting to third party site " opt-out of all 3rd party vendors

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 2020-01-02 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: OH

Complaint narrative:
I have credit monitoring through XXXX XXXX and XXXX XXXX. I was notified of a new inquiry on my on my Equifax report for XXXX XXXX XXXX/XXXX XXXX on XX/XX/XXXX, for a XX/XX/XXXX credit card. I contacted Equifax to dispute the inquiry as I did not apply  for a XX/XX/XXXX credit card or authorize the inquiry. Equifax investigated the inquiry and decided that the inquiry was factual. I also contacted Target and information used on the application were both old and false. I am unhappy with the decision made my Equifax to leave the inquiry on my report because I dont believe the investigation could have been that thorough if they couldnt decipher between current and accurate information and old information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SUN FINANCE COMPANY, LLC
State: MI

Complaint narrative:
I tried to apply for a new mobile home. I was denied due to a old debt with XXXX  XXXX from XX/XX/XXXX for {$3500.00}. They report it again in XX/XX/XXXX..I was told that was illegal..I filed bankruptcy in XX/XX/XXXX. My application for a mobile home was denied in XX/XX/XXXX for a new place. My debt with XXXX  XXXX was put in my bankruptcy. XXXX   XXXX also said it showed it was placed in my bankruptcy but I need them to please remove it from my credit check.. its the only thing thats showing on my background and keeping me from trying to move forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
My loan was transferred from XXXX XXXX to New Rez LLc on XX/XX/20, The amount due on the loan was equal to the amount held in escrow. I am attempting to pay off the loan and am unable to make such arrangement due to New Rez LLC not being fully prepared to completed the servicing of my loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
XXXXXXXX and XXXX XXXX reporting to third party site " opt-out of all 3rd party vendors

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 2020-01-02 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: LEXISNEXIS
State: WA

Complaint narrative:
XXXX and lexis Lexus reporting to third party site " opt-out of all 3rd party vendors

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
I submitted a mortgage payment on XX/XX/XXXX for my payment due on XX/XX/XXXX, on XX/XX/XXXX the bank initiated an additional withdrawal for the payment due on XX/XX/XXXX despite the mortgage payment already being made for that month. The checking account was charged a {$20.00} non-sufficient fund fee. I contacted the bank and they refused to reverse the fee, despite the mortgage being paid on time and them failing to realize that the payment had already been posted. I contacted the bank twice via telephone with the last call on XX/XX/XXXX lasting over 30 minutes and they would not reverse the fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 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.

Complaint narrative:
I WANT TO DISCUSS THE MATTER AS TO WHY THE NEGATIVE ACCOUNT FOR XXXX XXXX ( XXXX ) STILL REMAINS UNDER EQUIFAX AND XXXX, WHEN XXXX WAS ABLE TO GET IS REMOVED. THERE HAVE BEEN SEVERAL ATTEMPTS AT GETTING THIS ACCOUNTS COMPLETELY REMOVED FROM MY REPORTS SINCE I STARTED DISPUTING ON XX/XX/2017. ACCORDING TO THE FCRA IF AN ACCOUNT IS NOT VERIFIABLE ACCURATE, NOR COMPLETE THE ACCOUNT HAS BE REMOVED AS SOON AS POSSIBLE. THIS HAS BEEN ROLLING FOR WAY TOO LONG, AND I FEEL NOTHING HAS BEEN DONE BY EQUIFAX OR XXXX   PLEASE REMOVE THIS NEGATIVE ACCOUNT FROM MY REPORTS, IT'S GETTING IN THE WAY OF ME ACHIEVING MY GOALS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/2019, I accessed my Wells Fargo on line banking to pay 2 bills to XXXX XXXX. I have a joint account with my husband and the online account is linked to his checking account. When I selected our joint account to pay bills from this time, and then clicked Pay Bills, in our joint account ( that option is in the account you select ) I then proceeded to pay XXXX XXXX ( 2 different amounts to both my XXXX XXXX  cards ) and clicked pay. For some reason, their site reverts the account to pay from back to his account and didnt use the joint account that I clicked into to start the Bill pay process. So needless to say, my husband paid 2 overdraft fees because apparently it does not matter what account you click into to pay bills from, once you are in Bill Pay it will revert to the main account. This happened one time before. Normally I can remember to change the accounts again once I submit a payment, but not all the time. This is deceptive the way they have the site set up and they wont refund me the full amount. I clearly had the funds to cover my charges, I was not truly overdrafting or hedging my payments against getting paid. Also, it should not be set to only have one account to pull from because it impact people that may use several accounts to pay various bills, like me. It is very unfair how their website allows you to select an account, choose bill pay and pay, but reverts your account to a different account that you didnt select to begin with and then charge you fees. It is very deceptive and unfair. I bet a lot of folks have this issue.

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 2020-01-02 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: GA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2020-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: AL

Complaint narrative:
my mortgage was sold from Ocwen to PHH Mortgage. PHH Mortgage is stating that we are {$21000.00} behind on our mortgage which is not true. I spoke with them and faxed several documents such as bank statements, Bankruptcy statements etc to prove they have been paid i have reached out to them several times and keep getting the run around with no resolve in sight.

Company response to consumer: Closed with explanation