vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: The CBE Group, Inc.
State: GA

Complaint narrative:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
XXXX banking services. I received a card when it was newly established as I am to have controlling shares and investments. The account was received and I did not set it up. It was then closed as soon as I finally got access to account. I have been still fighting identity theft for the past few years. There are several other banking institutions that I am still having issues with and have ruined my excellent credit that was in low XXXX and now in low XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: OH

Complaint narrative:
I had a net spend pre paid card I deposited $ XXXXon my card in XXXX. I was informed after the deposit was made that my account was suspended for suspicious activity. I called netspend and closed my account.T hey told it would take 10 days to get a check.I went the next day to buy a different card, by accident I got another net spend card put another {$50.00} onit.They wouldn't activate it so it would be another 10 days for that refund.well 7 months later I still have not received the second refund.i want my complete {$50.00} back.i feel I should be compensated for my time and aggravation net spend has caused .thank you for your time

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 2021-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Hello, In early XX/XX/XXXX I contacted Suntrust customer support in order to close my checking and savings accounts. This request was submitted via their online customer support chat portal, and my savings account was subsequently closed. 

I noticed on XX/XX/XXXX that a XXXX XXXX Monthly Maintenance fee was assessed to my still open checking account. I once again contacted Suntrust customer support in late XXXX via secure messaging on my account and requested this fee be reversed, and provided once again written instructions to close my checking account. 

On XX/XX/XXXX the XXXX XXXX Monthly Maintenance fee was refunded to me. Suntrust, however, did not close my checking account. Another monthly maintenance fee was assesed on XX/XX/XXXX to bring my account balance to - {$17.00}. 

I contacted Suntrust via phone on XX/XX/XXXX for the third ( 3 ) time to have them process the closure of my account. The customer support representative informed me that I would need to deposit into my account to bring the balance to {$0.00} before it could be closed. 

I informed the Suntrust representative of my repeated attempts to close the account, as well as the prior maintenance fee refund. I explained that I should not need to deposit money to rectify an issue- the account remaining open for well after i repeatedly requested its closure - that was entirely due to Suntrust 's refusal to close my account per my instructions. I informed the representative that I would be filing a CFPB complaint to rectify the issue. 

I am requesting the CFPB instruct Suntrust to close my account and reverse any of the maintenance fees assessed to my account after my repeated attempts to close the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: GLOBAL SOLUTION BIZ LLC.
State: PA

Complaint narrative:
I have received numerous call from this company/number about a relatives debt. My name is not on the debt nor do I have anything to do with it. 

I have records and pictures of calls as well as threatening voice mail messages on : XXXX XXXX XXXX EST XXXX XXXXXXXX XXXX EST XX/XX/30 XXXX XXXX EST XX/XX/30 XXXX XXXX EST I spoke with them on numerous occasions and they said they would remove my name from their call list and they have not. They are now threatening me to get an attorney, calling my relatives about this debt, which again it is not my debt, it is my brothers debt and I have no contact with him. 

I want it to stop and they are not stopping and they are now threatening me for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
On a conversation on XX/XX/21 @ XXXX it was agreed that once a payment of {$1700.00} is made the deferral will be approved without any doubt. 
Payment was made and I called mr cooper the very next day and inquired about the deferral in place. 
I was told that the deferral isnt guaranteed. 
I made sure my bank would bounce the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO

Complaint narrative:
Wakefield & Associates claims I have an unpaid emergency room bill. All of my medical bills have been paid by Veterans Affairs. I do not have any outstanding bills, we called the hospital they are claiming the bill came from and confirmed this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX closed my checking account on XX/XX/2018 without informing me. They also reported my to Chex systems as account abuse despite having a savings account with them and a credit card.

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 2021-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
This account has been charged off as of XXXX, 2019. Since then the account has repeatedly been updated as closed and charged off every single month which is an update in the payment history which to my understand charged off accounts should NOT include an ACTIVE PAYMENT HISTORY. Need I remind you this also FALSELY MANIPULATES THE STATUTE OF LIMITATIONS.. This has caused tremendous stress and poor scoring on my consumer report.

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 2021-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: DE

Complaint narrative:
I received a notice from Fair Collections & Outsourcing on XX/XX/2021. They are trying to collect a debt for the XXXX XXXX XXXX. In XXXX, I contacted XXXX about the notice. XXXX told me to ignore it, since the debt is not shown on my report. It is not shown on XXXX XXXX XXXX. I received another notice dated XX/XX/2021, exactly the same as the original. I have never contacted, leased or purchased anything from the XXXX XXXX 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 2021-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
After paying DOWN ... .GOT THAT- PAYING DOWN A NUMBER OF DEBTORS. My score actually went XXXX  points EVEN THOUGH THEY CLAIM IT WENT UP ... .WOW ... HOW PUTIFUL can they get?. '' /Your FICO Score has increased XXXX points to XXXX! FROM XXXX XXXX XXXX Poor Fair XXXX - XXXX Good Very Good Exceptional XXXX XXXX XXXX Experian data XX/XX/2021.

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 2021-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: NY

Complaint narrative:
My name is XXXX XXXX XXXX my social security number is XXXX and my year of birth XXXX my address is XXXX XXXX XXXX XXXX unit XXXX XXXX XXXX ny XXXX my complaint is that selene finance has not yet updated their computer systems showing that my loan XXXX is on a trail modification this is my third complaint regarding this matter when I call on XX/XX/2021 a representative claims that I'm not on a modification and that it doesn't show then I told her I got copy of letter from selene finance corporate executive team showing that I'm on a trail modification. Then she tells me that the computer systems was never updated correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I have contacted Amazon Store Card / Synchrony Bank regarding multiple returns that I sent back and received confirmation of those returns via email to XXXX on Friday XX/XX/2021 and yet my Store card is not refunded. 

So they have the merchandise, acknowledged the returns but wont credit my credit card and are collecting interest. 

This is criminal. 

Called today and the response is typical, it can take a week or more .... huh?? 

I dont thing so, and if I open a dispute it can take 90 days so its like a threat not to open a dispute.

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 2021-12-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: OH

Complaint narrative:
I had a medical emergency on XX/XX/2018. I have insurance and submitted my insurance card/info. The hospital visit was paid but the doctor which was a contracted doctor through the hospital was never paid. 

A year later I started receiving calls from a debt collector requesting the payment. I called the hospital and the insurance company and explained I have insurance and why this bill went to debt collection. They could not help me as # 1 it is now a year later and they will no longer submit the payment thru insurance and # 2 since it is in debt collection they will not do anything. 

Main issue is that I had insurance and it is not my fault that the doctor payment was never sent through insurance until a year later and now insurance wont take care of it. 

We have been getting the same calls every year since 2018 and no one can help us. The debt collection is attempting to make us pay {$500.00} for the doctor when insurance should be paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
{$39.00} late fee was charged. Payment was made before the cycle was closed. Chase bank is not willing to refund the late fee even though it is clear that I made a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : US DEPT ED XXXX Balance : {$2100.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance : {$1100.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance : {$7400.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance : {$4100.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$1100.00}

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 non-monetary relief
Consumer complaint received 2021-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: GA

Complaint narrative:
I applied for a loan with Better Mortgage. However, due to their process, communication and lack of understanding of the loan transaction, I withdrew my application on XX/XX/XXXX requesting my {$550.00} appraisal refund. After asking about it several times and being told on XX/XX/XXXX it was in the works, I still have not received a refund. 

I never received loan disclosures except for a few on-line ones. There are many I never signed as well. 

Please help by asking them to send my appraisal refund to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: KY

Complaint narrative:
Someone did a transfer on my Western Union account and I was not told nor did I authorize this transaction. As I have been experiencing identity theft for the past couple of years, I did not see this activity until recently when my sister sent me money via western Union. I contacted them and they said there was nothing they could do as it had been too long and hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
CFPB REPORT XXXX Why did the CFPB closed my complaint? Why is the CFPB continuing to allow Equifax to get away with 'INVESTIGATING '' their wrong doings? This is the 5th investigation with Equifax and they keep " updating '' the matter. EQUIFAX is reporting INACCURATE and INCOMPLETE information on my credit report which has caused me to lose my JOB. 

It is the LAW this company must report accurate and complete information at all times and I don't think the CFPB is doing anything to enforce. 

These accounts listed from CFPB REPORT XXXX that you the CFPB closed, are ignoring the fact EQUIFAX can not prove to me why they have a right to report INACCURATE and INCOMPLETE information from these companies below. IT DOES NOT TAKE 5 MONTHS to investigate NO ACCOUNT NUMBERS. This is an EQUIFAX issue not an issue from these banks. You are NOT reporting an account number for me to even investigate. 

XXXX  XXXX XXXX ( credit card account ) XXXX XXXX XXXX XXXX ( credit card account ) XXXX XXXX XXXX XXXX ( credit card account )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
I pay my homeowners insurance through my escrow account with NewRez LLC. My insurance payment is due in XXXX of every year. Last year in XXXX, I received a notice of cancellation for my homeowners policy due to non-payment. I contacted NewRez LLC and they admitted that the payment was never sent out. They overnighted a payment and my policy was reinstated. 

Today, XX/XX/XXXX, I received a call from my insurance company again letting me know that my policy was cancelled due to non payment. So I called NewRez and they again admitted to not preparing a payment to be sent out. They agreed to overnight another payment to my insurance company to ensure my policy was reinstated.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Im filing this complaint due to the credit reporting agency 's failure to comply with the request for re-investigation of a written dispute requested on XX/XX/2021 ( XXXX ) and XX/XX/2021 ( Transunion ). Under current law they had 15 days to complete a re-investigation. According to the Fair Credit Reporting Act 15 USC 1681 I ( 6 ) I should have received a response letter no later than 5 business days after the credit reporting agency 's investigation was completed. It is past that time and I have not received a response. Now Im forced to spend money I really dont have to pay for certified mailing just to ensure I receive a response from them. 

My rights under Fair Credit Reporting Act 15 USC 1681 b ( a ) ( 2 ) Permissible purpose of Consumer Reports law are being violated. I did not give the credit reporting agency permission to report these items. In my dispute I requested corrections to inaccurate information or a deletion of the accounts from my report but neither was done. 

At this point, I am demanding the credit reporting agency to cease and desist from reporting these items. I demand they are immediately removed from my report. If they refuse to remove the items, I demand the credit reporting agency provide me with written documentation swearing under penalty and perjury laws they were there when the debts were established. I demand they also swear under oath that I signed for the accounts and I signed documentation agreeing to add their credit reporting agency to the account to be able to report them on my report. 

These erroneous entries are detrimental to my overall credit rating and has caused me severe financial and emotional distress. If this matter is not resolved through this complaint, I will pursue the enforcements of my constitutional rights via federal court proceedings. The information will come out through my formal discovery process, and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. If necessary, I will represent myself pro-se and formally request a jury trial.

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 2021-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: AZ

Complaint narrative:
Hello! 

Just wondering if you could help me out with my situation or point me in the right direction, please? I am fed up with trying to reach out to these companies. 

I am trying to file a complaint against XXXX and Lexis Nexis. XXXX without any warning or notice changed my auto insurance from ninety dollars a month to XXXX dollars a month. They did not and still have not provided me with a letter showing the reason for changing the price per month. They just increased it and billed the higher amount the following day. When I asked them, XXXX first said that it was due to inflation and they were doing this to all the customers living in Arizona and then after I filed a report with XXXX, they are now saying that it is because the Lexis Nexis company increased my car insurance credit score probably because I refinanced my home. I have never heard anything like that before and I speculate that they are doing this to many of the customers to earn more profit and therefore, I am requesting you to please help me out and others that may be impacted by XXXX immoral work ethics. When I asked XXXX to let me know my past and new Lexis Nexis 's credit scores the insurance price is based on, they said the company did not provide them with any score values. So, how did XXXX increase my insurance rate? On what basis? This is a fraud happening behind closed doors. XXXX does not receive scores from Lexis Nexis but still they increased my car insurance price based on Lexis Nexis 's credit report. This fraud is bigger than it sounds. Nothing changed in my life that should impact my car insurance score. I dont even drive that much these days because I work from home. I am getting a much lower mortgage rate of 2.25 % because of my excellent credit history. If only that should improve my credit rating and I should get better rates. How could this impact my car insurance rate??? I have never heard of this before. These people should be ashamed of themselves. There is no way to reach out to the Lexis Nexis company even though they have a lot of phone numbers and XXXX does not leave a digital footprint either since they only accept phone calls, and they say whatever they want. 

Would you help me out PLEASE? 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation