vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This email pertains to the inquiry and explanation of case numbers XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

On XX/XX/2022 we were informed by mail of an unauthorized transaction of 3 times {$1000.00} on a debit card that we have never asked nor did we receive. The hackers also managed had open an account under our names,. We called the bank immediately and told the agent that the new account was not initiated by neither of us and elucidated and stressed that we have not had a joint debit card for several years.. We requested the bank to close the hacked account account and pleaded to the agent to ask the bank to be more diligent and set up an automatic notification of any activities on our accounts in entirety and avoid further unauthorized transactions. She acknowledge and promised to do that immediately. 
The situation got more daunting 2 days later as we were monitoring our accounts and realized that 3 more fraudulent withdrawals were made from our different accounts to the same XXXX account for a total of {$22000.00} ( {$700000.00} + XXXX + XXXX ). 

. This continuous issues has been beyond stressful and we are so frustrated with the banks lack of due diligence and protection. To further complicate this situation we just received a letter today regarding claim # XXXX that our disputed unauthorized transactions on the debit card was declined. We find this decision insulting and beyond appalling and feel extremely disappointed with the management of our account and the manner it is being conducted. We are expecting for a professional resolution and thorough investigation of this dire issue from Wells Fargo. We clearly know our rights and if need be we would hire legal assistance to help recovering our lost funds which has happened simply due to the bank 's negligence and lack of security protection. 

We have been loyal customers of Wells Fargo bank for more than a decade with average daily deposit of several hundred thousand dollars. 

Please let us know about your due diligence about this matter as soon as your investigation is completed. 
Attached is the the letter of denied rights. ( a total insult ). Basically meaning that we are involved in fraudulent activities, we do not take this lightly. 
Disappointed that the bank has leaked our information. 

Sincerely

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 2022-04-04 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Please Please Please Help Me I have submitted dispute letters to XXXX XXXX asking for incorrect and inaccurate information to be investigated and removed. THEY WILL NOT COMPLY with the law of FCRA. its been 45 days and no response. i have asked for names/addresses of entities reporting inaccurate info on my consumer report for 3 years now and i haven't been given no response to my request. Example : if XXXX XXXX  submits reports on me then i need to know its XXXX XXXX.and there address and phone contact. Experian responds to me 3 months later after i requested a bankruptcy on my consumer report with " The bankruptcy on your report has not been changed because the Company '' that reported it verified its accurate ''. I Also have a letter from the bankruptcy court on an official letter head stating that the bankruptcy court doesn't submit ANY info to consumer credit bureaus. So who is this " Company '' Experian is referring to. AND WHY IS EXPERIAN BEING SECRETIVE ABOUT WHO IS REPORTING INACCURATE INFO ON MY CONSUMER REPORT. AFTER I HAVE ASKED FOR INFO/COMPANY/ADDRESS/POINT OF CONTACT BUT EXPERIAN IS REFUSING/AVOIDING TO FURNISH THIS INFO TO ME THE " CONSUMER '' Experian SOLE PURPOSE IS TO FURNISH UNVERIFIED INFO ON A CONSUMER REPORT WHERE ITS A VIOLATION OF THE LAW CAUSE THEY ONLY SEEK A PROFIT FROM REPORTING. CAN YOU PLEASE HELP ME OR PLEASE PLEASE PLEASE REFER ME TO LEGAL COUNSEL ASAP. ENOUGH IS ENOUGH. I REFUSE TO LET EXPERIAN TO CONTINUE RUIN MY LIFE FOR FAILING TO " OBEY THE LAW ''. i HAVE ATTACHED LETTER THAT I SENT OFF ON XX/XX/2022 AND IT IS NOW XX/XX/2022 AND STILL NO RESPONSE. AND IF I DO RECEIVE ONE IN WILL BE NEXT MONTH AND THEY WILL NOT INCLUDE ANY INFO I ASKED FOR. ONLY EVASIVE ANSWER SUCH AS " '' The bankruptcy on your report has not been changed because the Company '' that reported it verified its accurate '' I NEED TO KNOW WHO THIS COMPANY IS SO THAT I MAY ADDRESS MY GRIEVANCES WITH THEM AS WELL AS EXPERIAN .... ( CFPB PLEASE HELP ME )

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 2022-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I.C Systems sent me a letter trying to collect a debt from XXXX, stating that I did not return a piece of equipment. When I closed my XXXX  account I brought both pieces of equipment as directed by XXXX  to XXXX on XXXX XXXX XXXX, in XXXX XXXX XXXX FL on XX/XX/XXXX, I received a receipt, however over a year later I am unable to locate that receipt. 
When I received the letter from IC Systems I called them on XX/XX/2022 and spoke to XXXX XXXX # XXXX, and she told me to dispute the collection I had to send in a written request. I sent the written request that day on XX/XX/2022. 
I then called in on XX/XX/2022 and spoke to XXXX XXXX XXXX # XXXX and he told me the account has already been disputed and the letter was not received yet. 
I then called in today XX/XX/2022 and asked if the letter had been received. XXXX XXXX XXXX # XXXX informed the letter was received today XX/XX/2022, 34 days after I sent it. I asked XXXX XXXX when the file was disputed and she told me it was disputed on XX/XX/2022. She told they had 60 days. I informed her the creditor has 30 days from the time of the dispute to validate the collection or it could not be placed on my credit report. 
XXXX then transferred me to a supervisor, XXXX XXXX # XXXX and he told me that we just received the letter today and that they had an additional 30 days. I argued that, XXXX screwed up by filing the dispute on my original call on XX/XX/2022 and started the 30 collection verification clock. 30 days has already passed and the collection has not been validated and they can not put this collection on my credit report. He seemed unaware of the timelines required to validate a collection and said they had more time. 
He then told me that this was all of the information that they could give me and ended the call.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: IL

Complaint narrative:
I am a small business owner and I opened an account on Chime in order to receive payments from my clients. I received the first payment on approximately XXXX and transferred the funds to my personal checking account. Chime then sent me a debit card in the mail ( XXXX XXXX ) which I did not want, since I had no interest in a checking account with them, so I disposed of the card. Then when I received another payment ( XXXX  XX/XX/28 ) I was told by Chime that I could not access the money that was sent to me without first activating the card I disposed of. I had to wait for them to send me a new card, activate it, and then transfer the money into my personal bank account. Chime states on their website that you are able to receive money even if you dont have a Chime account, but this is not the case. I was told by Chime ( XXXX ) that if I cancelled my checking account with them that any future payments that people tried to send to me would be returned to the sender. Again, this contradicts their claim that people can receive money on Chime without having a Chime account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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 — Problem with personal statement of dispute
Company: Grain Technology, Inc.
State: TX

Complaint narrative:
I'm making a complaint because recently I found their company reporting on my credit report and disputed the item to be removed. After disputing the item, I was told by the subscriber to call Grain Tech to mail me a verification letter providing information on how this happen when I never used their services nor approved anyone to use my information for their services. I was told by them that they didn't need to provide me with information because they are not a collection agency. I was also asked to provide information and I did to cooperate to resolve the matter and they used my information to update their system with my info. This company that is reporting on my credit reports is keeping me from obtaining credit and getting hired with a company that is looking to hire me but this fraudulent account that is reporting is hindering me from many things and this isn't an account of mine that authorized to use. This account needs to be removed from my credit immediately. it's unfair to be a victim of identity theft and having to be stuck with the bill. Im demanding for this account to be removed from my credit report and the method of how this account became tied to my name and ss.

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

Complaint narrative:
Enclosed in this identify theft report are two fraudulent reports and three fraudulent inquiries. 
Please delete these fraudulent information from my account.

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 2022-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: TX

Complaint narrative:
On XX/XX/2022 I spoke with a representative from Receivables Performance Management rep offered me a settlement that I accepted. I made the initial payment on that call and she set up the additional payments to automatically draft my account in XXXX and XXXX. The final payment was drafted on XX/XX/XXXX and the company is telling me that the account has been closed and settled in full. The problem is the company sent this account to collections on XX/XX/2022, the same day they drafted the final payment. I contacted the company because according to the letter they sent me agreeing to the settlement states that no collections action would take place as long as the complete payment is made by XX/XX/XXXX, which it was. I have spoke with multiple representatives with the company who transfer me back and forth or disconnect the line. Yea spoke well th a lady named XXXX who said she was a supervisor, but indicates that they can report the account to collections even thought they enters into the agreement and the agreement was being upheld on my end and even though they received full payment prior to date on the settlement letter. I did not agree and she ultimately disconnected the call because I requested to speak with someone over her. I called again to speak with another supervisor who kept me on hold and then blind transferred me to another supervisor who disconnected the call as soon as she gave her greeting. This item should not have been reported as a collection and I am needing this company to honor Their agreement with me and removed the collection from my credit reports.

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 2022-04-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Penn Credit Corporation
State: NJ

Complaint narrative:
Creditor had agreed to delete information on credit report when account was paid and closed. This never happened

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Someone opened a bank account with TD Bank in my name

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC
State: OH

Complaint narrative:
I had to be the one to play phone tag and find out who had my debt because I was never contacted. I found out that they had received my debt on XX/XX/2022. I called on XXXX XXXX XXXX to find out about my debt. I let them know that according to the Fair Debt Collections Practices Act that they did not contact me within five days of receiving my debt and because of that my debt is now invalid and it needs to be thrown out. I was told by a supervisor that it would be cancelled and they would be sending a letter to my address within 10 days that verified that it would be removed and cancelled. On XX/XX/2022 I called again because I had not received any notice like I was told I would be getting. Speaking to the supervisor, I was told that I was lied to and that they can not cancel the debt and send out a letter verifying the cancellation. I was told that it was still being disputed and that I may still owe if they find it to not be disputable. I let him know about the Fair Debt Collections Practices Act and by not removing the debt that they were in direct violation of it. When I had mentioned that, he got very pushy and rude and essentially told me that nothing is going to change and it is still being disputed. Then I was hung up on. I called back about 10 minutes later to try and get it removed and the same thing happened with the other supervisor that I talked to. I told them that I never signed any forms or papers stating that I agreed to this debt and that they are in direct violation of the Fair Debt Collections Practices Act. They then told me that I will need to wait because they are still disputing it with themselves. Throughout the whole process they as a company had violated almost every part of the Fair Debt Collection Practices Act and they did not seem to care and got very angry with me and hung up on me multiple times when I had mentioned the Act to them and how they were in direct violation. Also throughout the whole process I never received any verifying information from them or even a letter stating that they had my debt. The debt collections agency was Phoenix Financial Services seeming to be located in XXXX, IN.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: VA

Complaint narrative:
In XX/XX/XXXX, we originate a conventional home purchase loan with 5 % down with XXXX XXXX, purchase price {$560000.00}. In XX/XX/XXXX, we made a {$210000.00} principal payment and requested a mortgage recast and paid a {$250.00} fee. During a phonecall confirming recast details, I verified that this would reamortize our loan and bring the XXXX to 55 % and remove the PMI. In XX/XX/XXXX, our new payment began but they continued to collect the PMI unknown to us. The loan was sold to a new servicer Roundpoint mortgage in XX/XX/XXXX and they also continue to collect the PMI until I noticed the issue XX/XX/XXXX. After a phonecall, Roundpoint promptly has removed the PMI for future collection. 
XXXX has been extremely unhelpful, claiming that the loan is now closed and that we should have made a request in writing to remove the PMI. We dispute that because the loan was reamortized and no servicer would collect PMI on a new loan with a 55 % XXXX, not to mention that I verbally confirmed it would be removed. 
Roundpoint says that because of how the loan was written/sold to them that is why they continued to collect the PMI. It seems like there should have been due diligence done at some point in the process.

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 2022-04-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: ND

Complaint narrative:
In my divorce proceeding my ex-husband was awarded the property granted he was able remove me from the loan. I was required by Freedom Mortgage to provide a quit claim deed before they would begin the process. XX/XX/XXXX a Quit Claim was filed wit XXXX XXXX Recorders. From the months of XXXX and XXXX Freedom Mortgage provided Promissory Note documents with errors five times to my ex-husband XXXX XXXX reportedly five times. Finally end of XXXX documents were approved. I was required to provide 2 separate notaries for the initial quit claim deed as there were error on the notary document provided by Freedom Mortgage. XX/XX/XXXX The Veteran 's Administration release me from the loan, documentation was provided to Freedom Mortgage on XX/XX/XXXX. Once the Promissory Note was approved the Assumption documents were prepared. Again requiring several attempts to provide XXXX with correct documents. XX/XX/XXXX both XXXX and I signed separately, the Assumption documents with a Notary and returned overnight to Freedom Mortgage. Freedom Mortgage notarized the documents on XX/XX/XXXX. I spoke with XXXX in the Assumption department who confirmed I was removed from the loan and proceeded to remove my access to the Freedom Mortgage loan portal stating I was not longer on the loan. As of today XX/XX/XXXX I am still legally responsible for this loan per XXXX, XXXX and XXXX. All have denied my disputes, I have spoken to Freedom Mortgage weekly since XXXX of XXXX. I have filed a minimum of 4 escalation complaints and currently working with manager XXXX XXXX and have file 3 escalation complaints with her. All conversations have been recorded by Freedom Mortgage as well as emails via the customer portal providing documentation in a timely manner. I have spent {XXXX} in legal fees due to this situation trying to protect myself due to false information and inaccurate information from customer service, had to fly from North Dakota to XXXX California to appear in court over the matter of the quit clam deed and loss of ownership of property prior to being released form legal financial responsibility. As well as time off work and the emotional stress and anguish. My credit has been held captive by Freedom Mortgage.as of today, XX/XX/XXXX I have confirmed via online service and phone call with XXXX at XXXX that no documents, no Assumption, Promissory Note have been received at the XXXX XXXX Recorder office to remove me from financial responsibility. Also XXXX and again XXXX Freedom Mortgage reported negatively on my credit even while protected under COVID Forbearance.

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