vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-23 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
XXXX, LVNV FUNDING LLC, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX has intentionally, knowingly and recklessly harmed me financially by repeatedly failing to properly and lawfully update my personal consumer report according to specific laws written by the Consumer Protection Financial Bureau. 
The law is clear and direct and should be understood by all parties involved in furnishing, publishing, and updating my personal consumer report. This is one of multiple disputes sent to XXXX, XXXX, XXXX, and several unethical and unlicensed data furnishing companies urging all parties to adhere to the law and adjust my personal report correctly. But due to a gross lack of due diligence on behalf of XXXX, XXXX, XXXX and their related subsidiary entities - unlicensed unethical, and misleading random data furnishes has had an unmetered free run at attacking and financially hurting me. 
I have received multiple responses from XXXX, XXXX and XXXX stating that they review and/or investigate. Solely and firmly leaning on the LAW, and based on my results anyone with a trained eye can tell that the three bureaus did absolutely nothing pertaining to investigation or reinvestigation on my behalf, and have failed me as a consumer. If the law is broken all willing participating parties should be held accountable for any fraudulent acts, not excluding Credit Slander and Defamation of Credit. Please refer to Congressional law 15 USC 6802 ( a ) ( b ) ( c ) ( d )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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: AL

Complaint narrative:
I am recently out of XXXX  and have made arrangements with my creditors to pay my debts. My payments to XXXX XXXX XXXX XXXX show a decreasing balance but my credit score is not reflecting this. The message on my credit report says, " this account needs your attention. '' It is showing negatively. I have reached out to the credit bureaus to dispute the info several times. XXXX says its up to the credit bureau to update my credit score. Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
Radius Global Solutions has continuously called my cell phones. They usually ask who I am and when I will not give them my information until they identify themselves, they hand it up. Today they called and asked for XXXX XXXX and again played games. I have spoken to this company countless times, and even tried to reach their corporate office, and all I get is a run-around. 

It's obvious they are using free-to-search databases online in hope of finding this person but keep calling my number even though I told them to STOP... I have had my number since well before 2004 so I know this company is full of XXXX to say, the debtor listed this number. 

This is harassment .... My number is on the do not call list and I do not know the XXXX 's

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 2023-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: LA

Complaint narrative:
I am writing concerning missing escrow funds. I had a mortgage with Specialized Loan Servicing that was transferred to Fay Servicing in XXXX of 2022 ( Property Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). 

XXXX XXXX XXXX had a total of XXXX in escrow funds which they sent to Fay Servicing in XXXX separate checks. I have attached their escrow records ( with property address and last XXXX of my loan number on them ). 

Fay Servicing only credited my account for XXXX and did not credit me for the second payment of XXXX. When I called to complain Fay Servicing keep claiming they did not receive the second payment. 

After going back and forth between XXXX XXXX XXXX and Fay Servicing, SXXXX XXXX XXXX  provided with me with proof ( canceled check ) that Fay Servicing did in fact receive the funds ( canceled check attached along with print out of email from XXXX ). 

This has now gone of for months with both companies blaming the other for missing escrow funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX COLLECTIONS # xxxxxx XXXX, Account name : XXXX XXXX XXXX # xxxxxx XXXX, Account name : XXXX XXXX BANK # xxxxxxxxxxxx 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX has violated my rights by claiming items are verified without proper investigation by law and knowingly and intentionally leaving false information on the credit report including but not limited to false names.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Nothing no one contacted me it's says I owe over and. It's messed my credit up bab

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 2023-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
There is an inaccurate account on my credit reports with Acima Credit that I have been disputing for some time now. I sent them a letter in the mail asking for validation of debt and have never heard back or received anything back from them in the mail. XXXX  is the tracking to prove it XXXX XXXX  XXXX XXXX XXXX. It is illegal to ignore a consumers requests and disputes for accounts on their credit report. It is also illegal to report account without valid proof and documents showing that this debt belongs to me. Please delete this account from my reports now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
My account was closed and I was put on a payment plan to pay off my balance - so I am forced to do everything over the phone because I do not have an online account. I need to update my payment method but every time I call, I get disconnected immediately. The rep either answers and says they are pulling up my info, then hangs up. Or it connects and there is silence until the call ends. Their inability to provide phone support is preventing me from paying my monthly bill.

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 2023-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Fraud Type : XXXX XXXX : I was talking to a friend of mine on XXXX ( XXXX ). I had complete confidence in this person and she asked for me to send money to someone for her and she will pay me back. I believed this since she is an Au Pair and I did not know the banking regulations surrounding foreigners here, as the person pretending to be her said their XXXX limit was reached for the day. The person on the other end was very knowledgeable and accurately represented how she talks to me. The person hacked her account within 2.5 hours of when I was last talking to her. 

I sent 2 payments totaling {$420.00} to a XXXX XXXX ( XXXX ). I did not find out about the fraud until XXXX messaged me on another platform to tell me her XXXX was hacked. 

I have all of the screenshots of the messages from the hacked account to me and sent them to Bank of America. Also, I sent them the XXXX number and name of the scammers ( listed above ). They informed me after 3 weeks that they aren't refunding me because it was an " authorized transaction ''. It was not authorized since the attackers gained access to my friend 's account and impersonated her. I am filing a complaint Regulation E : Electronic Fund Transfers 12 CFR 205. If the scammers have a XXXX account, they are in the US and I am not sure why the bank can not investigate and have the scammers account shut down. Upon more research, the same hack & scam through XXXX has been appearing more frequently the past XXXX weeks, mostly in the accounts of people from XXXX XXXX or XXXX speaking.

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 2023-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Opened dispute through PayPal on XX/XX/2022 for receiving the wrong item. They sent a wig with synthetic hair and not the length of XXXX inches. Instead they sent a wig with XXXX inch and barely XXXX inches just along XXXX weft. The wig resembles a troll with all the different lengths. The company reached out to provide a {$30.00} refund to me and then a {$40.00} refund if I send the item back. PayPal advised if I send it back I can get a full refund so I declined the vendor alipearl. The next day PayPal closed the claim stating that the vendor does not refund for altered products but I had to attempt to style the wig like curl or straighten it and it burns and does not curl. Then PayPal advised I can only get a {$50.00} voucher through PayPal. 
Now I am trying to use the voucher and now PayPal is telling me they only have a {$20.00} voucher not {$50.00}. 
PayPal tells lies and does not allow me to screenshot our messages due to security reasons. Yet they don't update the conversation within the claim. I want a full refund as the item was not human hair nor XXXX inches and proof was given of the quality. XXXX purchasing a pair of shoes and they begin to tear after XXXX wear. The hair looks nothing to what I received. It does not move, it's not human hair. 

Product Link : XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
WellsFargo conv loan with now Ex-XXXX- both names on the mortgage loan. Hm loan from XXXX COVID 2020 Shutdown- my career business XXXX  so I could not work. Then I recvd the XXXX XXXX shots to return to work, which made me very sick- while going through a 33 year marriage/divorce, finalized on end XX/XX/XXXX. I paid 20 years of a 30 yr mortgage and tried to do an ASSUMPTION LOAN- but was denied because of lack of working- due to contracting XXXX! Then got sick from getting the XXXX XXXX XXXX and had to take months to recover. I had letters stating I was employable ( 35 years as a working XXXX XXXX ) by XXXX  and I had a considerable amount of funds available until I could resume working but WF denied me. I lost out on 20 years of paying on the loan, mostly interest up front.

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 2023-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Please find attached, an Affidavit of Truth. The bullying stops today. Portfolio Recovery Associates never received my permission to communicate to me in connection to any alleged debt. Portfolio Recovery Associates has continued to harass me intentionally using consumer reporting as a coerce tool to try to force me to pay an alleged Time-Barred debt I do not owe. Portfolio Recovery Associates was issued cease and desist letter twice, XX/XX/XXXX and XX/XX/XXXX, to stop all collection efforts and communication on this alleged Time-Barred debt. The only communication permitted would be confirming termination of all collection efforts or actions to be taken allowed by the FDCPA or my state laws. Before statute of limitations expired, Portfolio Recovery Associates failed to provide proof that there was an alleged debt owed to them by me. In addition, Portfolio Recovery Associates failed to provide the bill of sale showing the value on how much they paid for this alleged account. There was no relationship, contract, agreement or an accounting ledger furnished between Portfolio Recovery Associates and I. Instead, Portfolio Recovery Associates has provided the same deceptive documents repeatedly for over a year that did not validate the alleged Time-Barred debt to them as recent as XX/XX/XXXX violating the cease and desist demand, and continuing to mark negatively tarnishing my credit rating violating the cease and desist demand. Portfolio Recovery Associates has been informed repeatedly that this alleged debt is not mine and they refuse to abide to the federal and state laws created to protect consumer from debt collectors like them. Portfolio Recovery Associates acts oblivious to their actions knowing their tactics are malicious, abusive and forms of harassment causes risks to my livelihood, credit rating, mental anguish, emotional stress, and reputation ruined defaming my character. The bullying stops today. This is extortion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UPGRADE, INC.
State: PA

Complaint narrative:
In XXXX of XXXX, I reviewed my Visa statement from UPGRADE, INC. and found several fraudulent charges made to my account ending in XXXX. These charges were listed as being placed by " XXXX XXXX, XXXX XXXX XXXX '', a company I have never heard of nor done business with in my lifetime. 

I immediately contacted UPGRADE, INC., the card company, and explained the situation. The charges were {$25.00}, {$25.00}, {$25.00}, {$25.00}, {$25.00}, and {$9.00}. All charges were listed as taking place on XX/XX/XXXX totaling {$130.00}. Approximately 5 weeks after filing the dispute, I received notice that the investigation was complete and that I would be credited all monies to my account. UPGRADE credited my account {$100.00}. At some point, they also credited {$15.00}, however, this left a balance of {$15.00} on my account. 

I am currently receiving a bill for {$15.00} which I've been disputing now for months. I have made several calls concerning this issue. On my last call, I spoke to a customer service representative named XXXX at XXXXXXXX XXXX on XX/XX/XXXX. I spent XXXX minutes and XXXX seconds with her on the phone, where XXXX minutes of it was spent holding while we waited for someone in the disputes department to answer. We finally hung up with the promise that she would call me back as soon as she got word from the disputes team. She called back at XXXX XXXX and basically told me to take care of the matter in some other fashion because they were not interested in taking care of the issue, even after I mentioned contacting CFPB to file a complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-23 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I am trying to make arrangements to get a affordable payment plan with Select Portfolio Services. But refuse to do so. The debt was discharged XX/XX/XXXX. 
Select Portfolio have it and XXXX XXXX XXXX. Select is refusing to work with me. Yes, I had a hardship plan with them around XXXX. And I was still in harder hardship, couldn't pay my payments. I want to make some kind of arrangement instead of filing bankruptcy. 
My account number on the select Portfolio is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
A few weeks ago I went to the bank branch after recently learning that I owed {$180.00}. I went to the bank a total of XXXX times on which the most recent visit I spoke with the branch manager and filed a complaint with the company. The branch manager also escalated this matter and I have yet to hear the results of the dispute and I paid the total of what was said to be owed. I was told by a customer representative that I would hear something by XX/XX/XXXX. My complaint with the company is that the information was inaccurate, I was never notified in writing about any amount being owed, I paid the account anyway and still am being punished for a very small amount of money ( {$180.00} ). The way that this account is reporting is keeping me from closing on a {$250000.00} home loan. I know that by law the information should be accurate and I know that this is a violation of the FCRA and FDCPA, so they must abide by the law. Everything that I have provided to them is true and accurate to my knowledge. I am in urgent need to resolve this matter as this is preventing me from moving forward with obtaining a home loan. I would like this item to be handled accordingly and removed from my credit report for the reasons mentioned above.

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 2023-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: WA

Complaint narrative:
This bank, PNC bank, took over my XXXX Bank online account over a year ago. They sent mail from PNC bank, with whom I had no existing banking relationship, so I was never made aware that they took over my account until I attempted to log into it and was rerouted to PNC bank online. I was never able to log in there, and I attempted to access the account customer service unsuccessfully because they refused to identify themselves or the contracting companies they worked for before I would give them PII ( Personal Identifying Information ). As such, all my access to my account and funds has been cut off. What's more, they request I give them my phone number verbally so they can verify it is me by sending me a verification code. When I asked them how that was secure since they are asking me for the number to send a verification code to, they got angry and told me this " being difficult '' is why I have not received service in the past and then they hung up. 

They insist that I go into a branch during my working hours, to deal with this. I have never banked with them and they will not have a record of my at any branch. I am unaware of any local branches either. 

They have been stealing XXXX dollars per month from my account for about 2 years, and I have no access to it to withdraw or transfer it to an account with a banking organization that I choose to do business with. They refuse to grant me access to said account either.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-23 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: PA

Complaint narrative:
On Date XX/XX/2022 XXXX XXXX reported a Credit Inquiry to Transunion that was not initiated by me. 

Actions taken by me : I contacted XXXX XXXX and was advised that I would have to dispute with the credit bureau who reported the false inquiry. I contacted Transunion and was told to dispute my written request which I did at least 60 days prior. I have not heard a response from Transunion concerning this. 


On Date XX/XX/2022 XXXX XXXX XXXX  reported a XXXX XXXX to Transunion that was not initiated by me. 

Actions Taken by me : XXXX XXXX XXXX was contacted and I was told to dispute with Transunion. I contacted Transunion and was told to dispute my written request which I did at least 60 days prior. I have not heard a response from Transunion concerning this.

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