vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-31 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: RGS Financial, Inc.
State: TX

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX  XXXX  XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX XXXX ( Original Creditor : 10 XXXX XXXX XXXX XXXX XXXX ... XXXX  ( Original Creditor : XXXX  XXXX  XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accountsXX/XX/XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ...XX/XX/XXXX ( Original Creditor :XX/XX/XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: TX

Complaint narrative:
On XX/XX/XXXX I started to dispute some accounts that are not reporting accurately. None of the bureaus responded to me the way that they should so I sent another dispute to them on XX/XX/XXXX. They've STILL not responded at all, so today, XX/XX/XXXX I am submitting a THIRD dispute to the bureaus as well as this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I started to dispute some accounts that are not reporting accurately. None of the bureaus responded to me the way that they should so I sent another dispute to them on XX/XX/XXXX. They've STILL not responded at all, so today, XX/XX/XXXX I am submitting a THIRD dispute to the bureaus as well as this complaint.

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 2021-03-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
I have sent several debt validation letters over four times and each time this company has failed to properly validate my debt. Instead, they sent a notice with the amount owed, hospital, and service date with my name which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities immediately. 

On the following dates I received a nonvalid response from this creditor failing to properly validate the debt : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 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 explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: SC

Complaint narrative:
On Monday XX/XX/21 I accidentally locked my Coinbase account rather than my Coinbase wallet which is entirely separate. 
This also resulted in me being locked out of my Coinbase Pro account. 
I followed the steps they presented which involved photos of my valid Drivers License and a selfie. 
I was then sent an email with a link about when I may be able to access my funds. 
That day was originally listed as XX/XX/XXXX though on subsequent checks on the link the date started moving further into the future. After numerous attempts to reach Coinbase support which is essentially unreachable by email and rarely responds in their social media channels I was directed to get a case number. Within a few minutes of my first response from Coinbase I received an email saying my verification had failed. 
They refuse to acknowledge anyone without a case number so I then filed a complaint in regards to the lack of customer service, the shifting dates on expected recovery and finally the failed recovery. 
I then received an a form email which instructed me to do the very steps I had just done to regain access. I replied that those were the steps I had taken and the basis of the whole complaint. I received an email that simply stated they would look into it with no commitment or apparent urgency to release my property. 
Their customer service social media channels are filled with many in my situation. I wish I had seen those before trusting them with my money. 
They seem to acknowledge that they are unable to adequately tend to their customers with a constant notice on their support site that they are poorly equipped to handle complaints. 
Ultimately the assets they are holding belong to me and and I have submitted plenty of documentation to prove I am the person that owns the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-31 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My personal information has been compromised and I've reached out to all 3 credit bureaus for correction and never received any response. The following accounts reporting are fraudulent and don't belong to me nor did I give anyone permission to use my information. 

1. XXXX  XXXX  Collection ( XXXX XXXX ) Balance {$1700.00}. 
2. Credit Bureau USA/ XXXX Credit Bureau Balance {$590.00} 3. XXXX XXXX County {$170.00}

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 2021-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Today ( XX/XX/XXXX ) received my monthly invoice for my Small Business Plus Blue Card from Amex. Included was an announcement of APR increase to 16.24 % effective XX/XX/XXXX from XXXX 11.24 % .This will affect Purchase after XX/XX/XXXX as well as prior balance of business before XX/XX/XXXX. Thus this prior balance under the prior 11.24 % will be hit with 16.24 %. Clearly a violation of the Card Act XXXX. Will provide the notification page this as an Attachment to this complaint. 

I immediately went to Amex on this issue, initially spoke with a rep who then transferred me on her supervisor. She took my notes and forwarded on with the company. At that time she confirmed that prior balances would be affected and asked her to include the Card Act within my notes. I asked if I could get a copy of the complaint notes and to whom they were sent and was advised I could not. As a loyal client for many years, was very disappointed with the treatment and experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I am complaining about Shellpoint Mortgage Servicing. Recently my attorney sent the servicer the sum of {$170000.00} to pay down the principal of my mortgage and the servicer sent the money back for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: Asset Management Outsourcing, Inc.
State: FL

Complaint narrative:
Greetings, I am writing this communication to demonstrate that XXXX, a credit reporting agency, continues to violate the FCRA along with the Florida Unfair and Deceptive Trade Practices Act. 

XXXX  XXXX  XXXX on my behalf has communicated with Equifax on XX/XX/XXXX and to this day XXXX has not responded. See Purdue v. RJ REYNOLDS TOBACCO COMPANY, 259 So. 3d 918 ( Fla. Dist. Ct. App. 2018 ) ( ( " We must presume that the Clerk performed his statutory duty, which was to mail the notice and certify thereto, or else certify that he had no addresses of record of the persons entitled to notice ; and we think it is just as reasonable to infer that the notice to the appellee XXXX was, in fact, mailed to him ( as in the case of the other tax deed holder, XXXX ) and that the record thereof became misplaced, as it is to infer that the Clerk completely ignored his statutory duty. To do otherwise under the particular circumstances here present would amount to an imputation of fraud against the XXXX this we will not do in the absence of more compelling evidence. '' ) XXXX XXXX did mail as the attachment has shown a requested response from XXXX however, XXXX refuses to respond, Therefore, XXXX is violating various provisions of the FCRA and continue to allow information to stay on my report that is : 1. Identified as information being reported as fraudulent information that has been reported to the FTC as information identified as identity theft ( i.e. XXXX XXXX XXXX, Department of Education AFSA, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and Nationwide Recovery Service ) 2. Continue to report information that is and has been outdated for more than seven ( 7 ) years. ( i.e. XXXX XXXX XXXX XXXX last date reported was XX/XX/XXXX which is more that seven years ; US Department of Education AFSA last date reported was XX/XX/XXXX which is more than seven ( 7 ) years of reporting ; US Department of Education AFSA last date reported was XX/XX/XXXX which is more than seven ( 7 ) years of reporting ; XXXX XXXX XXXX XXXX last date reported was XX/XX/XXXX which is more that seven ( 7 ) years of reporting. 

In addition I am requesting a credit freeze on my account as I am a victim of identity theft. 

Please investigate my inquiry into why XXXX  refuses to deal with the issue of my credit report just as they did in past legal cases involving XXXX which include ( XXXX XXXX XXXX  XXXX XXXX, XXXX and XXXX XXXX XXXX  XXXX XXXX, XXXX ). In both of those cases XXXX  purposefully refused to remove information where both plaintiffs proved to be fraudulent in nature. 

Thank you for looking into this inquiry and I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Greetings, I am writing this communication to demonstrate that XXXX, a credit reporting agency, continues to violate the FCRA along with the Florida Unfair and Deceptive Trade Practices Act. 

XXXX XXXX firm on my behalf has communicated with XXXX on XX/XX/XXXX and to this day XXXX has not responded. See XXXX XXXX XXXX XXXX XXXX  XXXX, 259 So. 3d 918 ( Fla. Dist. Ct. App. 2018 ) ( ( " We must presume that the Clerk performed his statutory duty, which was to mail the notice and certify thereto, or else certify that he had no addresses of record of the persons entitled to notice ; and we think it is just as reasonable to infer that the notice to the appellee XXXX was, in fact, mailed to him ( as in the case of the other tax deed holder, XXXX ) and that the record thereof became misplaced, as it is to infer that the Clerk completely ignored his statutory duty. To do otherwise under the particular circumstances here present would amount to an imputation of fraud against the XXXX this we will not do in the absence of more compelling evidence. '' ) XXXX XXXX did mail as the attachment has shown a requested response from XXXX, however, XXXX  refuses to respond, Therefore, XXXX  is violating various provisions of the FCRA and continue to allow information to stay on my report that is : 1. Identified as information being reported as fraudulent information that has been reported to the FTC as information identified as identity theft ( i.e. XXXX XXXX XXXX, Department of Education AFSA, XXXX  XXXX  XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX ) 2. Continue to report information that is and has been outdated for more than seven ( 7 ) years. ( i.e. XXXX XXXX XXXX XXXX last date reported was XX/XX/XXXX which is more that seven years ; US Department of Education AFSA last date reported was XX/XX/XXXX which is more than seven ( 7 ) years of reporting ; US Department of Education AFSA last date reported was XX/XX/XXXX which is more than seven ( 7 ) years of reporting ; XXXX XXXX XXXX XXXX last date reported was XX/XX/XXXX which is more that seven ( 7 ) years of reporting.

In addition I am requesting a credit freeze on my account as I am a victim of identity theft. 

Please investigate my inquiry into why XXXX  refuses to deal with the issue of my credit report just as they did in past legal cases involving XXXX  which include ( XXXX XXXX XXXX  XXXX XXXX, XXXX and XXXX XXXX XXXX  XXXX XXXX, XXXX ). In both of those cases XXXX purposefully refused to remove information where both plaintiffs proved to be fraudulent in nature. 

Thank you for looking into this inquiry and I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/2021, my small business received a wire transfer for some merchandise. I went and purchased the merchandise. On XX/XX/2021, Wells Fargo seized all the remaining funds in my account, because the sender of the wire claimed fraud, then the bank closed my account. Without any contact with me, without my debit authorization, Wells Fargo returned the funds to the customer, saying they received a letter of indemnity from the sending bank, which was XXXX, or XXXX XXXX XXXX. The customer that complained about fraud, will likely receive the merchandise, and a refund of the money that they paid for it. 

Wells Fargo, being fined several XXXX dollars by the Fed because of widespread customer abuse, continues these violations of fiduciary responsibility, and hurts its small business customers and depositors.

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 2021-03-31 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am in the process of refinancing my 1st mortgage as a rate and term refinance to better my financial position however BOA is not letting without incurring thousands of dollars in extra closing costs.

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 2021-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Was late on a payment on a secured card due to covid, so I spoke with a representative who waived a late fee, and gave me a lower amount to pay. I paid that, and then every 2 weeks until the account was current and below the credit limit, with no more late payments occuring, in XX/XX/XXXX. Finished paying down the account in XX/XX/XXXX, and they closed the account without notice. When I called, I had a balance of XXXX, and since I had made a secured deposit of {$200.00}, I was told the amount would be taken out of the {$200.00} to pay off the account, and the remaining XXXX would be sent back to me in the form of a check. That phone call was XX/XX/XXXX. In the middle of XXXX, I received a letter from Citybank, saying the same about issuing me a check, but they said they would be holding the money from me until XXXX. On XX/XX/XXXX, I received a statement from them with a {$35.00} late fee, and payment due of {$74.00} from no payment on XX/XX/XXXX. The account was closed already at this point, and they owed me money. No payment should have been due, and I was never informed that I would have to continue making payments until they reimbursed me. Called the company on XX/XX/XXXX, and was told since I had a late fee removed in XXXX, I was not eligible to have this one credited. This charge should never have happened, so I spoke with a supervisor who eventually issued a statement credit of {$35.00}, which will not show up on the account until AFTER they refund the balance of my deposit, so I will have to wait even longer for them to send the remaining {$35.00} owed, and they can't do anything about the late payment reported to the credit bureau, nor any charges that may stem from non payment on XX/XX/XXXX, even though the account is closed and balance due should be 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 2021-03-31 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: DISCOVER BANK
State: TX

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Filo Mortgage, L.L.C.
State: AZ

Complaint narrative:
Loan costs for townhomes are lower than loan costs for condos. I am writing this complaint because my lender knowingly provided a Loan Estimate based on artificially low townhome loan costs to entice an Intent to Proceed, then increased them to condo loan costs only after I had already paid a non-refundable fee. 

I applied for a cash out refinance loan through XXXX XXXX ( a broker, but hereinafter referred to as " Lender '' for the purposes of disclosures ) for my primary residence, which was a condominium in Arizona. The Lender delivered a Loan Estimate, and based on that Loan Estimate, I gave the Lender an Intent to Proceed. 

After conditional loan approval, the Lender delivered a Closing Disclosure with loan costs that were the same as those in the Loan Estimate. The disclosure of a Condo Certification fee confirmed in my mind that pricing was based on the property being a condominium. But after the appraisal, the Lender delivered a revised Closing Disclosure that increased loan costs by more than {$2000.00} by reversing lender credits and adding points. By this time, I had already paid a non-refundable {$500.00} fee. When I asked why loan costs increased, the Lender admitted to having deliberately disclosed lower townhome loan costs in the Loan Estimate while I was still shopping for a loan, then later increasing to the higher condo loan costs after I had paid a non-refundable fee. I told the Lender I was unaware that the loan costs were based on townhome pricing and could increase, but the Lender still did not reverse the additional costs.

The loan costs disclosed in the Lenders Loan Estimate were not in good faith, and the Lenders conduct was unfair, deceptive, and abusive. I did not know, and had no way of knowing, that the loan costs the Lender disclosed were artificially low and that the Lender would increase those costs. By the time the Lender disclosed the higher costs, I had already paid a substantial non-refundable fee. Moreover, because interest rates had increased in the meantime, starting over with a different lender would have been even more costly. If I had known the Lender would have increased costs, then I would have made a different decision. The Lender was not transparent in the Loan Estimate, and I was deceived. ( I am aware of this happening with at least one other lender, so this might be a regrettable industry practice. )

Company response to consumer: Closed with explanation