vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: U.S. BANCORP
State: ID

Complaint narrative:
Someone got a hold of my social security number and got a SS card printed and they signed it. Then they took a XXXX XXXX check with someone else 's name and washed the name on it and put my company name on it. They made a fake XXXX  Driver 's license using my XXXXXXXX XXXX  photo and my old address in XXXX. They also must have contacted the Secretary of XXXX and got my company 's federal tax ID number and a letter from the IRS with my tax ID on it. They took all that info and submitted it to multiple financial institutions in order to open a merchant account. Many other institutions phoned my company because things didn't add up. But somehow XXXX, a Merchant Services company didn't due their due diligence and opened up a Merchant account in the name of my company. Once I found out that I had these attempts on my credit, I locked my credit, but somehow XXXX opened them up anyway! One of the banks sent me a copy of the fake id and check and IRS letter. Once XXXX opened them up, the fraudsters proceeded to run over {$30000.00} through that account. Now I'm being pursued by XXXX for {$220.00}! I don't have a clue what that's for. As far as I'm concerned they need to eat that money as they are the ones that opened up the account without proper verification.

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 2021-12-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: N.A.R., Inc.
State: CO

Complaint narrative:
Hospital was given my insurance, never billed them. 

Sold debt to NAR and I have given them the policy info and they refuse to bill it or remove it from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: ADP Inc.
State: KY

Complaint narrative:
My previous employer used ADP payroll processing, which also administered our 401k accounts. A few months after leaving the employer, ADP rolled over my funds to an IRA XXXX XXXX, a third party, without any disclosure or my consent. Furthermore, they charged a {$50.00} fee which was almost 10 % of the account balance. Nowhere in their provided disclosures did they communicate that this would happen. I had to spend more than an hour on the phone just to find out where my money went. 

When I spoke to the representative, the company admitted fault. The representative told me that they were supposed to have contacted me, but don't know where the process broke down on their end. Since they admitted fault, I asked for a refund of the fee, but they refused to provide it. 

Furthermore, XXXX XXXX is charging a fee of {$25.00} for transferring the funds to my preferred broker.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: AZ

Complaint narrative:
XX/XX/2021 I sent XXXX letter informing XXXX there are unauthorized and unverified accounts on my credit which are affecting my insurance rates and if can pleases remove immediately without be able to verify any accounts. It also shows the account debt was paid which also was NOT me. I gave it 30 days and still no response, so then XX/XX/XXXX I sent a letter demanding to comply and that I will take further actions if do not fix the problem. I know its law to at least get acknowledged or updated on investigation about inaccurate accounts with 30 days. I still have yet to get a response. So please help me get this removed as it is affecting my rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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: TX

Complaint narrative:
Notice, I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third part involved. Notice, it is a fact the FCRA governs all credit reporting, and all information shall be verified before furnished ( case omitted ). Notice, it is a fact EXPERIAN has acted against my consumer privacy and protections by not verifying the account ( XXXX XXXX XXXX ). Notice, I have requested through numerous affidavits for this documentary evidence, every time none is presented back not even a lawful response with their affidavit ( by the way is the only lawful way to respond to a affidavit ). This information per the FCRA that is being mistakenly be reported should of been through a 5 step verification ( case omitted ), which was not done at all EXPERIAN just furnish this information from they furnisher for profit, without verification or documentary evidence first. I have submitted the only evidence showing not my account or alleged debt, EXPERIAN chooses to always deny my affidavits or ignore them with stall tactics. I ask EXPERIAN please have a Senior Executive under penalty of perjury say they received any consent or permission or anything from me to use my consumer information or furnish anything in the first place. This inaccurate reporting is creating financial hardship on me and my family. EXPERIAN is participating in CIVIL XXXX acts. EXPERIAN and XXXX XXXX XXXX are trying EXTORT me for large sums of money. Reporting and sending me deceptive letters through mail to make me think I owe something I do not owe.

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 2021-12-29 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Experian. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX-Date of inquiry : XX/XX/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 2021-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
On XX/XX/2021, I received the following correspondence from Citi Bank by email : Hi, XXXX. We periodically review customer accounts and assess account activity. Based on a recent review of your XXXX XXXX  account, we found that you have violated the terms of your account per the client manual. 
As a result, your XXXX XXXX  account and any other Citi accounts you have will be closed within 60 days of the date of this communication. All of your accounts are now restricted from receiving deposits or credits, effective immediately. 

After receiving this and not being allowed access to my credit or checking accounts online and all my cards were restricted. I contacted Citibank on XX/XX/XXXX, and XX/XX/2021 and XX/XX/2021 regarding my funds in my checking account and I was told I would receive my funds in the mail within 30 days ; however, it has been more than 30 days as of XX/XX/2021 and I still do not have my funds. These funds including money from my employer as well as other funds I personally deposited via my other bank account. I am unaware as to why my account was flagged for closure. This is a travesty and has caused me to become behind in my monthly bills. Please help me get my paycheck and funds back from Citi Bank. If I owe them I will include them in my current consolations with XXXXXXXX XXXX. 

On XX/XX/2021 two payroll deposits were deposited into the checking account ending XXXX {$1000.00} was deposited and that same day {$1500.00} was deposited into that same account. I have included a copy of both paychecks and my original direct deposit form showing this... 

Prior to that on XX/XX/2021 I deposit {$500.00} from my business XXXX ( XXXX XXXX Listening account number XXXX account deposited those funds into my Citibank as well. I have included a copy of my XXXX XXXX business account bank statement. These are my last deposits before and after I was told my accounts were closed and would receive my funds within 30 days. The representative I have been speaking with at Citi Bank is XXXX in their call center. She refused to give me a supervisor and/or a address, telephone number or anything to file complaints or inquiry about getting my funds back sooner. 

I made several transactions with my Citibank account including paying bills and transferring money to my business account. I have been denied access to all my Citi Bank financial statement information including my bank statements of which I need to use for income tax and other related business transactions.

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 2021-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: REGIONS FINANCIAL CORPORATION
State: IL

Complaint narrative:
Signed up for account on XX/XX/XXXX with new account bonus of {$200.00} within 90 days after meeting requirements of {$500.00} direct deposit and 10 debit card transactions in 60 days. Debit card was never sent and had to request one in XXXX?! I met these requirements as evidenced by XXXX and XXXX statements ending on XX/XX/XXXX. I followed up with customer service 90 days after meeting requirements and was informed I only had 5 debit card transactions?! 

Their response : 'I am filing your complaint. I will be back with a confirmation number. I can confirm that you will not receive the bonus. I apologize for your experience. ' What a shady company and business 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 explanation
Consumer complaint received 2021-12-29 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX I got an alert saying that I missed a payment on my Target card so I called them and spoke with a rep that said he was going to reverse the late payment and the {$1.00}. He said that in 30 days to check back and the late payment should be removed along with the {$1.00}. My card was not used the actual credit limit was still on the account. I called today XX/XX/XXXX due to my report not being updated and spoke with a Rep who said that they are sorry for the mis information the {$1.00} was removed but the late payment will remain. My issue is why would the representative before tell me that the late payment can be removed because the {$1.00} was removed from the balance. I told the rep if the {$1.00} was a mistake and you guys removed it then that means the late payment is mistake to. This is hurting my credit rating, I am in the process of buying a home and I won't be able to because of Targets miscommunication.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
Cash App failed to return funds to my account sent to the wrong vendor on four different occasions totaling {$400.00}. 

I notified Cash App the funds were sent to the wrong merchant but they refuse to refund my account. 

Cash App previously informed me that it is there policy to return funds to a customer if the customer disputes the transaction with their bank. 

I disputed the transactions with XXXX XXXX XXXX. Cash App still refuses to refund the money sent in error. 

As a result of Cash Apps failure to mitigate this matter- my account with XXXX XXXXXXXX XXXX was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
My mortgage company PHH is not making timely payments from escrow to pay my insurance premiums. In mid-XXXX of 2021, my flood insurer advised that the {$750.00} premium had not been paid and was overdue. I had to make a direct payment by credit card to avoid a lapse in coverage despite the fact that the mortgage company has been billing for this premium to be paid out of escrow. The same thing happened today. My homeowner 's insurer advised that premium of {$2000.00} had not been paid and is now overdue. They want me to make a direct payment today to avoid a lapse in coverage. When I call the PHH customer service telephone number, I can not get through to a live person. When I send them an email, I receive an unhelpful response indicating that they are looking into it and will get back to me. But they don't.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: TX

Complaint narrative:
My mortgage loan was purchase FlagStar bank on XX/XX/XXXX and my first payment with them started on XX/XX/XXXX. At this point FlagStar bank stated that I need insurance for my condo, I have the HOA insurance and private insurance outside, which both were provided to the bank. On XX/XX/XXXX this bank force the insurance on my loan for the amount of {$1600.00}, making my payment jump from {$1800.00} to {$2000.00}. I called and provided a copy of the insurance. I made a every single payment early ( I am an XXXX that usually gets by XXXX of each month so I pay all of my bill for the next month ahead of time ). Well, they took my XXXX payment and put it as an additional payment to the principal because it was no enough to cover the {$2000.00}. I called in XX/XX/XXXX to let them know that my that money needed to be put as a payment and not as an additional principal because the payment should be XXXX, all late feeds need to be credited to my account, that they needed to fix the payment for the right amount without the insurance. They did an analyst to my account and it was determine that was the correct information and that every should be correct and my next payment should not be XXXX, but XX/XX/XXXX. I login at the end of XXXX to due my XX/XX/XXXX payment. We still have the same issue. Apparently, I still do not have insurance thru my HOA, again I upload a copy of the insurance declaration page to their website. Called again in XX/XX/XXXX to get my account fixed they told me again everything is taking care, and it was not. 
On XX/XX/XXXX I called on the XXXX, the XXXX, the XXXX and on the XXXX to get my account fix and noting was done on it. They keep placing late payment on my account and not correcting the balance of my account. 
I made all payments by XX/XX/XXXX at XXXXXXXX XXXX, and still can not make my XXXX payment because of their poor account. 
I have worked with this company every single month since XX/XX/XXXX, and they are unable to correct their accounting errors. I was diagnosed with XXXX on XX/XX/XXXX, and my XXXX is really XXXX, I can not sleep, can not eat, my XXXX is to the XXXX. This situation is really frustrating, I called every month to get fix and still not fix. I do not know what else to do. Please help me, please. 

Thanks

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 2021-12-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: PLANET HOME LENDING, LLC
State: MT

Complaint narrative:
XXXX of XXXX, we were 30 days late on our mortgage payment due to covid. We contacted Planet Home Lending to let them know we were struggling. They offered a verbal agreement for us to go into forbearance. We then received a notice in the mail that we had been put into forbearance due to covid. We have since been in forbearance because of our small business being affected by covid. In the mean time, we hired a credit repair company to assist with debts. They contancted planet home lending to remove previous lates on our account. Since then XXXX reported us 150 days late on our mortgage to all credit bureaus. This is the time we have been in forbearance. Weve been in contact with XXXX, they are giving us the option to pay the debt of {$15000.00} in cash by XX/XX/XXXX or a modified loan deal through them, giving us a 3.0 % interest rate. We feel This is unfair. If XXXX hadnt reported us late 150 days late while in forbearance, we could have shopped around for a much better interest rate. They seem to have backed us into a corner, and we feel this is unfair and unlawful. We would appreciate any help you can offer us ASAP. The deadline is within a couple days ( XX/XX/XXXX ). We are asking that they remove all derogatory marks on our credit during this forbearance term, and give us an extension of 6 months or more to enable our credit to go back to normal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Upon submitting credit card application with Capital One after I was pre-approved on XX/XX/2021. On that day, I received an email from Capital One requesting me to upload documentation of verification of myself without processing the application on file. Due to Capital One failed to process my application that day, therefore I call them and requested them to disregard my application due to failure to process my application and for them to remove the hard inquiry on my credit report. Capital One failed to do so that day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: HireRight Solutions, Inc.
State: CA

Complaint narrative:
hello My name is XXXX XXXX XXXX I recently received my employee background check. 
HIRE RIGHT REQUEST NUMBER # XXXX I see there is a criminal record reporting back from over " seven years '' ago on my report. 
how can this be? 

I searched through XXXX XXXX and there is nothing in database regarding me. 

I feel there is an error in the reporting. 
Where did this record come from? 
Please furnish me the source so it may be corrected that record does not belong to me. 
nor does it belong on my Report. 
Also did this come from the Clerk of Courts or from a third party Data Furnisher?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I didnt realize that I was being scammed until things started not to add up. Not I have been scammed out of {$670.00} by a fake Dr on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XX/XX/27 at approximately XXXX EDT. I pulled into the drive thru ATM machine located at the Wells Fargo at XXXX XXXX XXXX, XXXX XXXX, XXXX. 

I intended to withdraw {$450.00} out of my XXXX account, using my XXXX debit card. After I submit my pin and the withdrawal amount. A screen came up telling me to take my cash, however no cash was ever dispensed. 

A timer began telling me that if the funds were not pulled in that time then the cash would be taken and the transaction cancelled. Since no cash was ever dispensed the timer went to zero and the transaction was canceled. 

I tried to Input my debit card a 2nd time and after submitting my pin it instructed me that there was an error of some so sort and transaction could not be processed. 

I immediately checked my account history while still in the drive thru to see that {$450.00} was debited from my account. XXXX for the unreserved withdrawal and XXXX for atm fee. 

I had immediately contacted both XXXX and Wells Fargo in relation to the matter. 

XXXX : Please wait 24 hrs to verify that the pending status has been settled before submitting a claim Wells Fargo : You don't have an account with us we can not help as we do not service the ATM machines. You need to deal with your bank. 

24 hours later the amount of {$450.00} had posted so I began my dispute process with XXXX to which was denied after 2 months of investigation. 

My complaint has been filed with the CFPB for XXXX and now would like to File this against Wells Fargo the operators of the fauly ATM that took my money and is denying any wrongdoing. Bank notes were finally supplied to me but that does not prove that {$450.00} did not come out on the following transaction. 

Simple ATM footage from that day would prove that no money was ever dispensed to me in the 5-7minutes I was in that line and I have identified a camera that sits right on the roof above that ATM. License Plate XXXX, XXXX XXXX  XXXX XXXX. 

I will continue to file these claims until this matter is resolved.

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