vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-23 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I filed a Complaint last XX/XX/2022 requesting that you need to make an investigation regarding to the disputed account from my credit report as well as update this account from my report during the investigation period. As of this date, you have failed to respond to my request. ( XXXX XXXX XXXX XXXX XXXX Balance {$0.00} )

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 2022-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Every month the Social Security Office deposits my benefits directly to my checking account at JP Morgan Chase Bank. CHASE BANK NEVER NOTIFIED ME THAT THERE WOULD BE A FEE FOR THE WIRE TRANSFER AND IT WAS BY CHANCE THAT I DISCOVERED THIS... I SUPPOSE IT WENT ON FOR YEARS. I HEREBY FILE A COMPLAINT AGAINST CHASE FOR FRAUD AND ABUSE OF A XX/XX/XXXX CITIZEN ( I AM XXXX YEARS OLD ) RIGHT TO INFORMATION. CHASE ONLY DEPOSIT {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
Sent letter on XX/XX/22 notifying ars of non compliance with the FDCPA They received my letter on XX/XX/22 I received a response on XX/XX/22 This letter did not address the non compliance of the FDCPA. Letter was a verification of debt. 

Sent double email to XXXX on XX/XX/22 with attention for legal department Now submitting cfpb complaint on XX/XX/22 XX/XX/22 Received email from XXXX XXXX ( XXXX ). Attached was 3 pdf letters standing they sent a request to XXXX XXXX, XXXX to delete the accounts from my credit report. 

He did not address my monetary relief of {$4000.00} for non compliance of the FDCPA. Submiting to credit reporting agencies to delete accounts are a action form for admission of guilt. 

Now waiting for my check. 

Attached will be my letter and the 3 pdfs

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 2022-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Waypoint Resource Group, LLC
State: MO

Complaint narrative:
I have had a collection account added to my credit report again for an account that was paid in full for XXXX XXXX. The collection agency is waypoint resource group. The account was paid in full and all equipment was returned and I have verified this with XXXX XXXX in the past. It is unfair that they continue to attempt to collect a debt that is not owed, and extremely unfair and unethical that they continue damaging my credit. The assumed debt owed is for {$310.00} and was opened as a collection again on XX/XX/2021. I have disputed this account yet it comes back verified which is totally false.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
Citizens bank took over XXXX starting XX/XX/2022. The accounts were supposed to be activated on friday, XX/XX/XXXX. My company sent my payroll to the new Citizens bank account on Friday, XX/XX/XXXX as they instructed us to do in several letters. This was a holiday weekend and essentially I had no access to my money. On Tuesday, my paycheck is not in my account. After waiting on hold for over 1 hour, I am told that the money was sent back to my company because my account was not activated until Saturday, XXXX XXXX. I email my payroll dept and the monies were not sent back. The payroll manger with to citizens on his lunch hour - unfortunately he was a XXXX customer as well and was told they were working on it. To this date, my paycheck is not in my account, I have bills to pay and the rent will be due soon. Citizens should not have taken over XXXX if they were not equipped to handle the XXXX customers and to be told your money will be there soon is not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: FL

Complaint narrative:
Homepoint Financial Paid my new insurance carrier ( I switched carriers ) on XX/XX/2022 for two insurance policies -Homeowners policy {$2300.00}, Wind {$1100.00}, and assumed a third policy from my previous agent for Flood {$1900.00}, and my escrow account was negative $ XXXX. A few weeks later I added {$4500.00} to my escrow account. Meanwhile the check that was paid out by Homepoint on the XXXX of XXXX was lost, and never received by the insurance company. After many calls and an " investigation '' done by Homepoint, they had no information on the check, so they paid my insurance carrier another {$2300.00} for the lost check, out of MY ESCROW and now I'm out ANOTHER {$2300.00}!!!!!!!!!!!!!! Homeoint financial double paid my carrier and lost one of the checks and stole {$2300.00} from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX XXXX XXXX {$1400.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more.

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

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 2022-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX XXXX XXXX {$1400.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

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 2022-02-23 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: Experian Information Solutions Inc.
State: PR

Complaint narrative:
Since XXXX I have been trying to get a credit report only to be informed that I did not exist in any of the three credit reporting agencies systems. This was understandable considering that I have never used credit at all and never plan on doing so. 
I was advised that I had to create a credit report by visiting one of the three agencies to present a valid identification to establish an account in my name for credit reporting purposes only, which I did. Next, I received a credit report from Experian. The office that I visited and presented my Passport, Birth certificate, Social Security card, a Drivers license and a current utility bill to establish my physical address was XXXX. 
The clerk was only interested in the Drivers License. When I received a copy of my first ever credit report, I immediately noticed that the report contained someone else 's information as to their name, addresses and employment history. Next, I checked the other two agencies and discovered that all three reports were exactly the same! 
I assumed that this was merely a clerical error by the otherwise preoccupied data entry clerk that I visited. Naturally I requested a correction, as it apparently matters. At age XXXX I applied for a carry permit at the local police station, where I have actually lived since leaving the military after returning from XXXX in XXXX, only to be detained due to an active warrant for my arrest due to a background check that brought up one of the names that these agencies had placed in my newly created report. 
Luckily, after being finger printed the police informed me that I was not the person that the warrant was looking for, as the prints did not match and I have no criminal history at all!!! SO, THIS IS A SERIOUS SITUATION. The police advised me to get this corrected or I will continue to have problems in the future. These reports can be very damaging and expensive to correct if you are lucky enough to get these agencies to correct the problem as they are very reluctant to cooperate while responsible as well as libelous for any adverse actions suffered by anyone based on incorrect information in these reports. I have been continuously attempting to have all three credit agencies correct my report by sending valid photo identification to no avail. CAN SOMEONE 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 explanation
Consumer complaint received 2022-02-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I submitted a dispute in regarding to a Bankruptcy Record on my credit report for Experian. The report # is XXXX. In accordance with 15 U.S. Code 1692g - Validation of debts. On XXXX Experian concluded it's investigation as " Updated '' without providing any information of verification. Please see the attached letter from the courts stating that they do not provide information to the credit bureaus. I have also attached a letter from XXXX XXXX ( XXXX XXXX ) who stated that they had deleted this erroneous-unverified record.

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 2022-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: GA

Complaint narrative:
A XXXX egift card was purchased online via XXXX on XX/XX/XXXX. I attempted to use the card at an online store as well as pay a bill online on XX/XX/XXXX and each time the card was declined, once stating the card was expired. On XX/XX/XXXX I contacted the issuing company who stated there was nothing wrong with the card. After several more unsuccessful attempts to use the card I called back and requested a refund, request # XXXX. I was told a check would be issued and mailed to my home address within XXXX days. The time has elapsed and I have contacted the issuer who appears to be unwilling to release my refund. The card can not be used and currently shows as On Hold via the online portal. I am requesting assistance to get a full refund of the card amount and card purchase fee, a total of {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: PA

Complaint narrative:
I received an alert on XXXX XXXX that an account was open in my name. I flagged it and about a week later received a letter from Wells Fargo that it would be investigated. 2 weeks later I received {$440.00} as a result of the account being closed. I never opened the account or deposited funds anywhere. I originally assumed it was a credit card that was the issue. Yesterday I received a bank statement that listed 4 transactions and stated that the account is closed. The checking account ( XXXX ) routing number ( XXXX ) was opened on XX/XX/22 with {$73.00} deposited. On XX/XX/22 {$440.00} was deposited with the following information ( XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX The same day ( XX/XX/22 ) a withdrawal for {$510.00} was made ( XXXX to XXXX XXXX XXXX # XXXX ). on XX/XX/22 a second deposit for {$440.00} from ( XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX was made. The account was closed XX/XX/22 ( Loss Prevention Closing Entry ). This is how I received the check for the balance of {$440.00}. Again, I did not open the account. I never received any statements when the account opened. I am not sure if a bank card was issued or physical paper checks. Since the bank had my name and address on the statement, I only assume a card or check would have a different address associated with it if they exsited. On the statement I received yesterday under account information the following boxes were checked : Online Banking, Online Statements, My Spending Report and Direct Deposit. I can be contacted for questions. XXXX Thank You 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 2022-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labelling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. Money was transferred from my account via bank wire and through an intermediary named XXXX in the total amount of 6,0000 USD utilizing U.S. Bancorp 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 2022-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XXXX I was removed as a customer from Wells Fargo and denied banking services including checking. 

I promptly closed my credit cards with Wellls Fargo at the same time after receving that news. 

Since then, I would recieve empty credit statement from Wells Fargo and I called back to let them know that Wells Fargo was continual sending me empty statements and that to please cancel my card. 

In XX/XX/XXXX Fraud department contacted me via automated text message about a fraudlent charge. The charge was declined properly. I called them within a few hours and requested again that they close my account as I have not been a Wells Fargo member for many years. 

This is unacceptable as it was about 7-8 years since I was no longer a member of Wells Fargo and not a cardholder AND that I had in the previous years, XXXX, XXXX, XXXX I called them because they did not close my account. Refusing to close a credit card is a violation of FDIC membership and a business practice that is unethical. I am reporting this because this practice is unacceptable. 

They did refer me to their Customer Advocate program and gave me case number XXXX ( Please redact ). I was assured that the card was closed and that I would be given written confirmation as well. I actually don't know if they are going to close the account and I have no faith in Well Fargo to actually do this and so I am pre-emptively writing the CFPB of this practice. I don't know why they didn't close the account for so many years but there needs to be something to protect the consumer because an open credit card without the consumer knowing it is open is a inherent financial security risk.

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 2022-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NC

Complaint narrative:
I paid {$3000.00} into my escrow account beginning XX/XX/XXXX and ending XX/XX/XXXX. I received an homeowners insurance reduction of {$120.00} because of a new roof I had replaced in XX/XX/XXXX. The insurance company sent me a check for {$120.00} and I called Specialized Loan Servicing to ask them about the money going back into my escrow account. Specialized Loan Servicing told me to make an extra escrow payment for {$120.00} to cover the projected shortage. I made that extra payment along with my normal payment XX/XX/XXXX. I also made another extra escrow payment XX/XX/XXXX. The total extra escrow payments was {$220.00}. I received an escrow analysis showing a shortage in the account and instead of applying the {$220.00} to my escrow account XXXX applied the extra funds to my principle. The new payment starting in XX/XX/XXXX is based on that shortage and is incorrect. I have called the company which is so terrible to get to them .The company makes you jump over hoops just to talk to someone and then they will tell you different things just to get you off the phone.

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 2022-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Commencing on or about XX/XX/2021 I fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labelling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. Money was transferred from my account via bank wire and through an intermediary named XXXX in the total amount of 9,000 USD utilizing OneWest Bank, services

Company response to consumer: Closed with explanation