vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-03 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: UPGRADE, INC.
State: IL

Complaint narrative:
I have a line of credit with Upgrade Card. My credit limit is {$4000.00}. My balance is {$3900.00}. My interest rate is 29.49 %. My first payment due was {$170.00}. I made a {$170.00} payment on XX/XX/XXXX which has yet to have been applied to my account. When I called the company I was told that {$160.00} of the {$170.00} was applied to interest. 

If my interest rate is 29.49 % then with a balance of {$3900.00} that would mean my monthly interest rate would be about {$98.00}. None of the payment I made has been credited to my acct. I still have a balance of {$3900.00}. The only credits my acct has received is a {$1.00} rewards payment on XX/XX/XXXX and a {$4.00} rewards payment credit XX/XX/XXXX The company stated, when I called XX/XX/XXXX XXXX am CST, that they would forward my concerns to customer advocacy who would reply to me within 2 business days. I never received call and a credit still has not been applied to my account. 

Since my first payment was made the monthly payment ( after I made a complaint ) has increased by {$10.00} from {$170.00} to {$180.00} even though my balance hasnt changed because they never credited my account with the initial payment that was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NV

Complaint narrative:
It has been since XXXX last year ( XX/XX/2021 ) that every time I make an additional payment toward my principal, Mr. Cooper ( formally Nationstar ) mortgage company applies part of that amount to my monthly payment without my permission, even though my monthly payment has already been taken care of and paid. They have not applied those amounts correctly for the past 7 months, and every month after I make that additional payment toward the principal, I have to reach out via email to have those amounts rectified and applied correctly. 
Attached is the email correspondence with the mortgage company and my mortgage statement showing how many times they have applied those amounts incorrectly and than had to reverse them to applied them correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
FTC IDENTITY THEFT REPORT Attached Transunion is not repsonding to my letters! I sent them Letters in XXXX and they refuse to respond! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX TransUnion Fraud Victim Assistance Department XXXX XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
Fraudulent INQUIRIES XXXXXXXX XXXX XXXX XXXX DATE : XX/XX/XXXX DEPARTMENT OF EDUCATION DATE : XX/XX/XXXX XXXXXXXX XXXX DATE XX/XX/XXXX XXXX XXXX DATE XX/XX/XXXX XXXX VIA XXXX XX/XX/XXXX XXXX XXXX VIA XXXX XXXX XX/XX/XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

Proof of identity I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, 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 2022-04-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I sold a baseball ticket in 2018 using an online app that I forget. The money was paid to a paypal account. 

I am unable to withdraw the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX ; XXXX XXXX XXXX # XXXX ; XXXX XXXX XXXX # XXXX ; XXXX # 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

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 2022-04-03 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: CO

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX ; XXXX XXXX XXXX # XXXX ; XXXX XXXX XXXX # XXXX ; XXXX # 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

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 2022-04-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
Payment was provided payment from account and they refuse to reflect the additional funds even though bank statements and receipt of payment was provided

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: TN

Complaint narrative:
I have no knowledge of this account. I have been a subscriber with XXXX XXXX XXXX for at least 20 years. Apparently, this was a fraudulent account applied for without my permission. This account has also been transferred to a 3rd party billing company which purchases these accounts for pennies on a dollar therefore I do NOT owe this company either way

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 2022-04-03 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX # XXXX, XXXX  XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX  XXXX XXXX and XXXX  XXXX XXXX XXXX XXXX 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.

Also these inquiries are not mine XXXX XXXX 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 2022-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: AK

Complaint narrative:
The collector was using abusive language. My roommate who is also involved in the debt. said that he cussed at him. While my roommate was in the hospital just after having twins he called him. And he told him he didn't want to talk to him right now due to being in the hospital he said " I don't care, you need to deal with this right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have contacted Transunion regarding this date in early XX/XX/2022. Sent my paid in full letter and dispute letter. To dispute a XXXX XXXX account reporting on my report. I contacted XXXX XXXX XXXX was sent another later to confirm paid. I received the report stating its verified valid. I contacted Transunion again in XXXX sent them the paid in full letter again and gave them direct contact information of whom the debt was sold to and paid to. Again, keeps coming back even with the paid in full letter. This should have been removed from my credit report this debt has been paid and its been 2yrs and Im still dealing with getting this off my 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 non-monetary relief
Consumer complaint received 2022-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: TN

Complaint narrative:
I have no knowledge of this account, therefore ; it was applied under my name without knowledge. I called the company and verified that it was not my account because the birthday entered is incorrect. Also, this account was purchased by a third-party collection agency for pennies on a dollar in hopes of collecting. I have not given any company to transfer my personal information, nor have I given anyone permission to use my name to obtain these services.

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 2022-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
Purchased a flight on XXXX XXXX for {$180.00} on XX/XX/22. Promotion for {$250.00} statement credit if applied for XXXX XXXX credit card. 

Applied for the card. The {$250.00} credit was even reconciled against my {$180.00} purchase to show a +~70 remaining credit. 

When my first statement arrives, the credit is nowhere to be found. I called XXXX customer service on XX/XX/22 and was informed I actually applied for a XXXX XXXX, not XXXX XXXX XXXX. ie : only XXXX miles are received after XXXX in purchases vs a {XXXX} credit. 

This is an unfortunate bait-and-switch I would like corrected, please. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 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: OH

Complaint narrative:
Ive sent Certified Letters and Called Transunion and XXXX to update my Legal Name They Refuse. My Primary Name and only name on my Report should be my Legal Name only. They will not Update properly.

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 2022-04-03 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: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
I am submitting another complaint about Comenity Capital Banks inaccurate credit reporting to the consumer reporting agencies. Comenity Capital Bank responded to a complaint via the Consumer Financial Protection Bureau ( Reference Number XXXX ) on XX/XX/2022. I reviewed the response letters and obtained a copy of my credit report from XXXX on XX/XX/2022 to determine if the items Comenity Capital Bank reported to the credit reporting agencies were consistent with the banks response to the CFPB. 

I found that Comentiy Capital Bank was false in its response to the Consumer Financial Protection Bureau. I would like all items deleted immediately for violating multiple laws and regulations and for the intentional false response to the consumer reporting agencies on XX/XX/2022 and the Consumer Financial Protection Bureau on XX/XX/2022. 

Comenity Capital Bank is defaming my character by reporting accounts that have not been properly validated, reporting them inaccurately and refusing to permanently delete the accounts after being notified of the errors. 

A signed binding agreement between Comenity Capital Bank and XXXX XXXX still has not been provided for any of the accounts listed below. The accounts were transferred to other companies without an agreement. I am not liable for any of the accounts due to the lack of a signed binding agreement with Comentiy Capital Bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American First Finance, Inc.
State: TN

Complaint narrative:
I have no knowledge of this account. I called and was told the account was transferred from XXXX XXXX XXXX for which I've never financed any furniture. I reported to police department that my identity was stolen therefore several accounts were a result of theft due to my wallet being stolen. Also, this billing company who placed the account on my credit apparently purchased the account for pennies on a dollar in hoping to collect of a fraudulent account. This debt does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Collection Bureau of Fort Walton Beach, Inc
State: FL

Complaint narrative:
Today in the mail we received two collection notices from the " Collections Bureau of Fort Walton Beach '' which claims we owed a debt of {$24.00} plus fees from a company I have never done business with " XXXX XXXX XXXX'. The notice looks like it is from a government agency of XXXX XXXX XXXX with the address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX. 

The company in fact is a collection agency called XXXX? Please take a look.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I got an offer in my email XXXX credit line available to me. After just a few clicks, the loan was executed. I didn't have a chance to speak with the banker about the interest rate or what to expect, and I was never provided with the executed signed documents. Within a month, I realized the interest rate is not 7 % as advertised ( catch! ), but it's compounding. Since then, I have been trying to contact the personal loan Citibank representative, but the number provided is impossible to get through. Whenever I get a rep online, it goes to outsourced customer service who hardly speaks English who completely dysfunctional to service my banking needs. When I ask to be connected to the United States customer service, I get transferred back into the stream. I went to the local branch of Citi Bank XXXX XXXX XXXX XXXX NV a month ago asking for help with this loan and if they could explain how this interest rate works since I haven't gotten ANY disclosures, not email or hard mail. The branch manager said they have nothing to do with my personal Citibank loan, and I have to call the number provided online for the personal loan department. I explained I have been trying and its been months. I requested them to order hard copies of my loan signed. I never received any documents. I have contacted Citi bank many times through chat they said they have no access to a personal loan. I am paying each month on time and it has been months since I can not get disclosures. 

On XX/XX/XXXX, XXXX XXXX sent me a check for {XXXX} at the CitiBank address. I provided them with my checking account number and my debit card number. The next thing I know, this check was cashed towards my personal loan without my consent. The only information for this check was given is the debit card and checking account number. I lost these funds to be available to me as it was anticipated with the request of the transfer from XXXX XXXX. Again I can not get in touch with anyone in the personal loan department. 
I can't get my personal loan full number XXXX to provide for this statement because I have no disclosures. Online it only shows the last XXXX numbers. I only have a reference number from the email after this loan was executed just after a few clicks. Why my funds of {XXXX} was deposited towards the personal loan without my consent while the issuing bank had clear instructions for my checking account only.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Reese Law Group
State: CA

Complaint narrative:
Subpoena was improperly served and handed to my roomate and falsified to say it was handed to me when it was not. so a judgement was made without time for me to properly dispute and represent myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: IL

Complaint narrative:
Jefferson Capital Systems LLC at XXXX XXXX XXXX XXXX. XXXX, MN XXXX has been sending me collection notices in the amount of {XXXX}. The collection has been reported as a past due balance. I do not know this company. I have never done any business with this company. This company does not have contact with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Subpoena was improperly served and handed to my roomate and falsified to say it was handed to me when it was not. so a judgement was made without time for me to properly dispute and represent myself.

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 2022-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, XXXX  XXXX # XXXX, XXXX  XXXX # XXXX, XXXX XXXX  XXXX XXXX and XXXX  XXXX XXXX XXXX XXXX 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. 

Also these inquiries are not mine XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-04-03 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  XXXX # XXXX, XXXX  XXXX # XXXX, XXXX  XXXX # XXXX, XXXX XXXX  XXXX XXXX and XXXX  XXXX XXXX XXXX XXXX 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. 

Also these inquiries are not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: AZ

Complaint narrative:
I signed up with Square as a POS processor on XX/XX/XXXX. My external bank account was added and by XX/XX/XXXX Square reported it as " verified. '' I then had my first sale and subsequent successful transfer of monies to my XXXX XXXX XXXX XXXX account using Square 's XXXX instant transfer. By XX/XX/XXXX the XXXX instant transfer option was disabled and subsequently caused me a loss of almost {$1000.00}. Every transaction thereafter I was only allowed to use Square 's slower ACH bank transfer option to receive my funds. From XX/XX/2021I had many more transactions and three transfers out of Square and into my XXXX XXXX XXXX XXXX checking account. Today it is XX/XX/XXXX and I'm still missing the funds from those three transfers totaling almost {$1000.00} because Square transferred them into someone else 's account. My checking account has been closed at XXXX XXXX XXXX XXXX after they verified to me that my funds were sent to an incorrect account and were unable to be recovered by them. I sincerely appreciate your help with this matter, Square couldn't be any worse of a financial partner and my life has been in ruins since they've pulled this scam. 

SUCCESSFUL ================= XX/XX/XXXX XXXX XXXX, XXXX. 
{XXXX} UNSUCCESSFUL ================= XX/XX/XXXX Next Business Day XXXX, XXXX. 
{XXXX} XX/XX/XXXX Next Business Day XXXX, XXXX. 
{XXXX} XX/XX/XXXX Next Business Day XXXX, XXXX. 
{XXXX}

Company response to consumer: Closed with explanation