vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-08 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: OPTUM BANK, INC.
State: CA

Complaint narrative:
This is for a Health Savings Account ( HSA ) with Optum XXXX. On XX/XX/XXXX, at my request, XXXX HSA submitted a Transfer of Assets request ( aka in-service rollover ) to Optum XXXX with instructions to transfer {$7000.00} CASH from Optum to XXXX. The Optum XXXX HSA balance at the time of the request was {$11000.00}. Optum XXXX received the signed instructions from XXXX on XX/XX/XXXX. Optum decided to instead process the request as a closure and proceeded to suspend the account from any further transactions, no claims for medical reimbursements were allowed. I placed a call to Optum on XX/XX/XXXX @ XXXX XXXX and spoke to a customer service representative named XXXX ( case # XXXX ) to inquire about the suspension. Representative advised me they processed the transfer request as a close in error and were looking to reinstate the account and fulfill the original request for transfer. Resolution was to be expected in XXXX business days. On XX/XX/XXXX Optum XXXX closed the account and transferred the full balance of {$11000.00} without my authorization. XXXX has not received the funds. I'm currently still enrolled with my employers HDHP and they have NOT changed the HSA administrator. I called Optum on XX/XX/XXXX @ XXXX XXXX XXXX to inquire on why the account was closed. I spoke to customer service representative XXXX XXXX case # XXXX ) and asked to speak to a supervisor since she was unable to assist or understand why the account was closed. I was instead advised no supervisor was available because they were all in a meeting at the time and I had to call back later or be given a call back. The person advising XXXX of the meeting was named XXXX. I called back to speak to a supervisor on XX/XX/XXXX and was able to get a hold of XXXX XXXX ( case # XXXX ). She was unable to explain the reason for the closure and confirmed that the initial call on XX/XX/XXXX didn't resort in any corrections due to the representative failing to file the needed documentation although she stated she would. Today, XX/XX/XXXX no resolution has been reached and the funds have not been made available to me. XXXX XXXX states it will be resolved in XXXX business days but can't reassure me of it and suggest I call back if not resolved. Also, she was unable to provide me with a mailing tracking number for the check and/or check number. I'm unable to use any of the funds to pay for my family 's medical expenses because Optum shows a XXXX balance nor has XXXX received the funds. If needed I have a copy of the signed Transfer Request form from XXXX showing all instructions of the transfer along with a transaction history from Optum XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC
State: IN

Complaint narrative:
My Mortagage was transferred to Gregory Funding from XXXX XXXX. I paid the XXXX payment to XXXX on XX/XX/2021. On XXXX the mortgage along with my payment was sent to Gregory Funding XXXX I gave them the XXXX statement stating I was on time with my XXXX Mortagage payment. I also gave Gregory Funding my bank statement. Gregory stated after I file the first complaint in XXXX that they would resolve this issue. As of XX/XX/2021 this matter is not resolved and now Gregory finding states that Inwas already late with payments when the loan was transferred to them. This is not true and has been proven otherwise. XXXX XXXX has contacted Gregory to resolve this but they have been unresponsive. Meanwhile, Gregory has charged me {$600.00} i late fees and now states that my loan is 2 months behind. I dont know how To solve this. According to Gregory I am XXXX months behind. This is matter than should probably be resolved by the Federal court system since Gregory is still charging me 7 % interest and I cant refinance with FHA since they are reporting my loan late. I have proven my case and my previous Mortagage company is in agreement with me. Please help me this company refuses to help me after promising me and your agency that they would

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: GA

Complaint narrative:
In XX/XX/2021, I received my account balance from XXXX XXXX XXXX in the amount of ( {$910.00} ). Prior to receiving the invoice, I had moved from I moved XXXX to XXXX mid-February due to the impacted XXXX had on my immediate XXXX. Because of the move I was unemployed until XXXX 2021. 
Therefore, I wasn't able to pay the balance of the invoice until XXXX of 2021. I mailed the check to XXXX XXXX for the balance and did think much about it ( balance paid in full ). In XXXX I was personally dealing and experiencing XXXX XXXX ; one member of my household tested positive for XXXX and XXXX which placed our focus on overcoming XXXX 
In XX/XX/2021, received an e-mail notification advising me that a collection agency had report onto my account for an unpaid balance of {$910.00}. I immediately contacted XXXX  XXXX XXXX and spoke with XXXX the office XXXX on XX/XX/2021 to inquire about ( XXXX XXXX reporting and explained that I had mailed the balance in XX/XX/2021 and aplogized for not confirming the check was cashed and explained how my family and I had been dealing with XXXX XXXXrom XXXX to sometime in XXXX. The office XXXX stated the check was never received and advised that if I take care of the balance that day she will accept payment and have the collection agency remove the collection account from the credit bureau ( Outside sources ). I made the payment and XXXX e-mailed the receipt from XXXX XXXX XXXX and the next from days e-mailed me the request to have ( XXXX ) remove the account collection/outsources. 
With that said, I contacted on XXXX and Experian ( XX/XX/2021 ) and opened a dispute and provided both Credit Bueres with the pay receipt from XXXX XXXX XXXX and uploaded on ( XX/XX/2021 ) the e-mail from the office XXXX to have ( XXXX  ) remove the account from my report ( outsources ) as XXXX XXXX agreed to accept the payment and not take any other actions. 
On today 's day XX/XX/2021, Experian sent a resolution email stated they had updated my credit report with balance paid but refusing to remove the collection account from my credit report, XXXX accepted the documentation and has removed the collection from my report. I contacted Experian again and explained what was uploaded to my Experian disputed that I paid the original account holder and have never owed the agency any money and the account holder agrees to not take actions against me personally since the account was paid in full. 
XXXX has received the e-mail from XXXX XXXX XXXX asking them to remove my account from collections and obviously refused to do so.

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 2021-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I received the attached letter from NewRez LLC today, letter is dated XX/XX/21 The first paragraph of the letter is as follows : " We have attempted to contact you by first class mail and on at least XXXX ( XXXX ) occasions by phone to discuss and assess your financial situation and to explore options that may be available to you to avoid foreclosure.Despite these attempts. we have been unable to contact you as of this date. '' The letter goes on to state that I must contact them to avoid foreclosure. Here is the issue : 1 ) NewRez LLC XXXX XXXX XXXX XXXX has not contacted me a single time prior to this letter by phone nor mail. I have contacted them numerous times to resolve an error they have made with my mortgage account. 2 ) I have never defaulted nor been late for a single payment ever. My loan is current with all payments being made in full in a timely manner. 

On what basis does NewRez believe it is correct and legally appropriate to send me this letter? I believe NewRez is engaging in illegal and deceptive business practices which causes stress for the consumer and wastes the consumer 's time. No one that is making their payments on time and in full should be receiving a letter of this nature. I am filing this complaint so that the government and other consumers are aware of their business practices.

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 2021-12-08 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: NE

Complaint narrative:
I have disputed inaccurate information on my credit report with XXXX : XXXX XXXX XXXX XXXX PA XXXX XXXX : XXXX XXXX XXXX XXXX TX XXXX Equifax : XXXX XXXX XXXX XXXX GA XXXX With results that I'm not satisfied with because I have sent in Factual information to support my claim as information not being accurate and to be removed from my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX {$420.00} These accounts are not mine. Some had used my information without my knowledge to initiate these accounts. I have applied for credit and got denied due to the fraudulent accounts. I have tried to work with bureaus to resolve this issue to no avail, limited correspondence, and not in timely manner.

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 2021-12-08 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: VA

Complaint narrative:
I received my credit report from Equifax on XX/XX/2021 with unauthorized accounts still showing on my report after several letters have been mailed to you!! I have also included court documents that shows that the XXXX account has been dismissed! Why would this account be dismissed if the account was accurate! XXXX has sent me a letter stating that it is a fraudulent account and requested that you update my credit report. I attached that letter creditor verifying that this information on my credit report is inaccurate and should be removed from my credit file I also have an account showing on my credit from XXXX XXXX XXXX that you report stated was verified from the company. Before contacting you, I reached out to them also and they sent me a final bill. I informed them that they are breaking the law and I hope that you have not taken that same bill and verified my debt. I would like to know where did you go to verify this debt OTHER than XXXX XXXX XXXX false altered bill? 
If you don't remove these false accounts, then you will be held liable, and I will take further legal action to ensure that I am monetary compensated for all the stress and denials that I have received due to this false reporting. 

This is my fourth attempt to get these false accounts deleted from my account. I know that you have received my letters because I have also included where one of your representatives signed for the mail certified. 

Please take the time and read through my documents and send me legal proof of why these items are still showing on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Everything was fine suddenly they send me and email telling me that they noticed activity in your account thats inconsistent with their User Agreement and they no longer offer me PayPal services. But I only used my account and my card to recived unemployment benefits and the advance child tax credit. I dont used for business or selling. I check a year of statements and I dint fine nothing where I was breaking the rules or the policy. I try to talk to them and they dint give no answer they told me that they dont have any coments to read the poly terms but there is nothing. And the problem in here is that I can used my money the money that I have in the account because they give me account number routing number and debit card and they keep my money with out any explanation. Please help. I just want my money back to transfer my money out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-08 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: SC

Complaint narrative:
Ive reached out to XXXX and Equifax about this high impact inquiry on my credit report from XXXX XXXX XXXX XXXX for a cable bill from XXXX not belonging to me but someone received in my name. Ive disputed it and sent dispute letters and its still there. Please help. Thanks in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Movement Mortgage LLC
State: GA

Complaint narrative:
Mortgage Payment for XX/XX/2021, including late fees was sent as a personal check on XX/XX/2021 via USPS certified mail. Per USPS, the check was delivered to Mortgage Servicers XXXX XXXX  on the XXXX of XXXX. Servicer didn't apply payment by the XXXX of XXXX although it was delivered on the XXXX. Homeowner called and emailed servicer to inquire as to why payment wasn't applied as well as tracking number on envelope that was sent. Homeowners credit report was subsequently damaged due to servicer reporting it 30 days late although servicer received payment within 30 days of due date via confirmation from United States Postal Service tracking.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: NE

Complaint narrative:
I have disputed inaccurate information on my credit report with XXXX : XXXX XXXX XXXX XXXX PA XXXX Experian : XXXX XXXX XXXX XXXX TX XXXX XXXX : XXXX XXXX XXXX XXXX GA XXXX With results that I'm not satisfied with because I have sent in Factual information to support my claim as information not being accurate and to be removed 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 2021-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED BANKSHARES, INC.
State: WV

Complaint narrative:
On Friday, XX/XX/XXXX I received an automated call from United Bank, Incs fraud department informing me of fraudulent transactions. After reviewing my online banking, I confirmed XXXX purchases of {$29.00}. After confirmation, I was switched to a representative over the phone who closed my card and instructed me to contact my local branch. 
I spoke with XXXX, the branch manager of the XXXX office who told me I had to wait for the transactions to POST before I could begin the process of disputing the transactions. 
All but one transaction had POSTED by Monday and after speaking with XXXX, I was informed that the last transaction needed to post before anything could be done. On Tuesday, XX/XX/XXXX, I completed the paperwork and was told once the fraud department received my documents, the bank had 10 days to investigate. This would put my account short of {$300.00} for more than 15 days. This is unacceptable! If United Banks fraud department caught these transactions, then why is the process and burden being put on the consumer? Regulation E states that financial institutions have 10 days to return funds or provide provisional credit, United is delaying this process. 
The transactions should have been blocked and IMMEDIATELY begun investigation. 
United Banks privacy policy also states it will protect consumers funds. Where is the protection? 
United Bank , Inc only cares about its bottom line, not their consumers!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ResidentCollect, Inc.
State: TX

Complaint narrative:
On XX/XX/2021 Innovation recovery collection account was removed from my credit report however, it was added back XX/XX/2021. In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions. Requirements relating to reinsertion of previously deleted material. Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Please furnish me with copies of any and all such certification. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification, this is a serious violation of the FCRA, and I reserve the right to pursue further action. Additional information. As part of, or in addition to, the notice under clause ( XXXX ), a consumer reporting agency shall provide to a consumer in writing not later than XXXX business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. Please furnish me with the required statements and data.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 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: MI

Complaint narrative:
Nonpublic Information is being reported on my consumer report. This is a violation of federal law pursuant to 15 USC 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I XXXX XXXX THE ORIGINAL CREDITOR NATURAL CONSUMER, FCRA RIGHTS HAVE BEEN VIOLATED BY XXXX TRANSUNION AND XXXX. THEY ARE REPORTING A FRADULENT ACCOUNT BY ( XXXX XXXX XXXX ) ON MY CREDIT REPORT. 15 USC 1681B STATES THAT THE CREDIT BUREAUS NEEDS MY CONSENT TO REPORT ANYTHING ON MY CREDIT REPORT. I XXXX XXXX NEVER GAVE THEM ANY CONSENT TO REPORT THIS FRADULENT ACCOUNT ON MY CREDIT FILE, I NEVER HAD ANY DEALINGS OR BUSINESS WITH THIS DEBT COLLECTOR. THIS INFORMATION IS FALSE MISLEADING UNFAIR 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 2021-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I XXXX XXXX THE ORIGINAL CREDITOR NATURAL CONSUMER, FCRA RIGHTS HAVE BEEN VIOLATED BY EXPERIAN XXXX AND XXXX. THEY ARE REPORTING A FRADULENT ACCOUNT BY ( XXXX XXXX XXXX  ) ON MY CREDIT REPORT. XXXX XXXX XXXX STATES THAT THE CREDIT BUREAUS NEEDS MY CONSENT TO REPORT ANYTHING ON MY CREDIT REPORT. I XXXX XXXX NEVER GAVE THEM ANY CONSENT TO REPORT THIS FRADULENT ACCOUNT ON MY CREDIT FILE, I NEVER HAD ANY DEALINGS OR BUSINESS WITH THIS DEBT COLLECTOR. THIS INFORMATION IS FALSE MISLEADING UNFAIR 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 2021-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc.
State: OH

Complaint narrative:
Company listing my account as a charge off every single month instead of just the month it was charged off. I have also reached out to this company for debt validation with no response. Please assist me in contacting thr company to get the necessary information. 
Thank you.

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