vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-18 00:00:00
Product: Credit reporting 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:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft, I found an account on my credit report that was not open by me. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. I have already contacted the Federal Trade Commission and filed a complaint # XXXX. I kindly request that you block and eliminate all information from my credit repoit and provide me with an updated copy of it in accordance with FCRA 605B ( 15 U.S.C. & 1681 c-2 ), which mandates the removal of these accounts within 4 Business Days of receipt, I urge you to block and remove all information related to Identity Theft. XXXX. XXXX XXXX XXXX Account number : XXXX. Moreover, in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I am demanding actual proof that the information was verified, rather than a computer-generated confirmation. Please provide the following : 1. The names and business addresses of each individual with whom you verified the information above, so that I can follow up. 2.The date on which you contacted the individual information furnishers. 3.The method of communication used to verify the information

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 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, I closed a credit card with Wells Fargo over the phone. The agent told me all fees were paid, and my account was closed. However, checking my credit on XX/XX/XXXX, I saw that there were XXXX months of late charges associated with that same closed account. Logging in, I saw that there was a XXXX charge, on which I had incurred penalties. I quickly paid this XXXX fee and called Wells Fargo XXXX 

After explaining the situation, they said they would investigate. I called numerous times between XX/XX/XXXX and XX/XX/XXXX to try to resolve these credit hits, but I have had no luck. I have not even gotten a reply or a callback. 

This was an event where I was informed an account was closed when it was not. A {$30.00} charge on an account I was told was closed and paid, has ruined what was otherwise perfect credit.

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 2024-05-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: FL

Complaint narrative:
XX/XX/24 Re : Failure or refusal by Nelnet to re-disclose loans after 3 months, 5 requests, and as many verbal confirmations To whom it may concern, My student loan service provider, Nelnet, has misallocated payments and refuses to apply, or correctly submit, my multiple requests for re-disclosure resulting in a miscalculation in my monthly payment amount due. 

Since paying off two loan groups in XXXX of this year, I have requested Nelnet re-disclose my loans on 5 separate occasions : XX/XX/24 ( rep did not provide her name per protocol when accepting and ultimately misapplying payment over the phone ), XX/XX/24 ( XXXX  # XXXX ), XX/XX/24 ( XXXX # XXXX ), XX/XX/24 ( XXXX # XXXX ), and XX/XX/24 ( XXXX # XXXX ). On each occasion I have received verbal confirmation that my request would be submitted and go through within a few weeks, and yet not a single request has been heeded after 3 months. 

Additionally, I have received incorrect information regarding the monthly payment amount due ( was told on XX/XX/24 by " XXXX '' that my new monthly amount due beginning XX/XX/24 would be {$1100.00} ). This is not reflected on my account and subsequent reps have disputed the figure. On my most recent call ( XX/XX/24 ), I was told by XXXX that the loans were " indeed re-disclosed on XX/XX/XXXX '', that it " doesn't make any sense '' that the monthly payment amount has not changed, and that there are indeed " discrepancies '' that need to be looked into. She would not provide a timeframe for resolution. She also could not, or would not, attest to re-disclosure in writing, nor is relevant documentation available on Nelnet 's webpage. 

Inconsistent information from representative to representative occurs on nearly every single phone call, of which I keep recordings for quality assurance purposes should you deem them worthy of investigating. 

As a result, I have received, and continue to receive, higher monthly amounts due despite having completely paid off 2 loans this year owing to Nelnet 's refusal to properly submit, apply, and/or update my account requests for re-disclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: MI

Complaint narrative:
On XX/XX/2024 at approximately XXXXXXXX XXXX. I was a victim of fraud through an unauthorized transfer of funds on my chime banking account amounting to {$4900.00} I was talking to someone who was supposed to be a person of chime, the person I was speaking with was a chime support worker who would help me with a transaction on my chime account using a XXXX  app but while I was speaking to what I thought was a representative of chime, they somehow got into my account and transferring funds amounting to {$4900.00} through the pay anyone feature and then another {$750.00} through XXXX XXXX which I disputed the {$750.00} already through chime and I have received that back at this time. As for the {$4900.00} The dispute got denied two times already I currently Reopened it And submit it all my proofs which i dont understand why this one is getting denied. Please help me get my funds back it would be greatly appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I filed claim awhile back about unauthorized use of my information. Attempting to make an unauthorized use ( s ) and also trespassing on my intellectual property being the trademark : XXXX XXXX Under Federal Registration Laws, I am the owner of the Trademark : XXXX XXXX Currently with the United States Patent and Trademark Office, under the following Registration Number XXXX. Therefore I have the right including but not limited to restrict, prevent or limit the use.of my Trademark in order to protect it against any misrepresentation. Notice to cease & Desist In any additional use of my Trademark that will likely cause misrepresentation in relation with distribution advertising identification and sales of my products or services. 
If you fail to comply with the aforementioned demand ( s ) within 72 hours I will have no choice but to pursue all legal causes of action including the filing of a lawsuit to protect my interest I remind you that this complaint serves as a pre-suit notice for lawsuit against you and failing to correct will likely make you liable for any damages the court determines I have suffered as a result of your infringement. It is in the best interest to have this issue amicably settled

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX or TransUnion ) consumer report, and I noticed that it is reporting my experience with your company. 

The line of credit I have with your company, which is characterized as utilization on my consumer reports. 
YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! 


XXXX XXXX XXXX Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( YOU ) ( XXXX XXXX  ) Making the report is NOT INCLUDED on my Consumer report! 

Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU ) [ XXXX XXXX ] that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. 
You have 10 calendar days to update my utilization to 5 % or below and or delete all Utilization from the below account/s XXXX XXXX XXXX Failure to respond satisfactorily with deletion of the above Utilization, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non-Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, 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 non-monetary relief
Consumer complaint received 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I disagree with the account listed below, which still appears on my credit report after your investigation. I request an immediate reinvestigation of this item, as the inaccuracies are highly injurious to my credit score. 

Account Name : XXXX Account Number : XXXX In accordance with the Fair Credit Reporting Act ( FCRA ), Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above account, so that I may follow up. 

Additionally, please send me an updated copy of my credit report after your reinvestigation.

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 2024-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX a scheduled payment of XXXX was charged on my account and was covered by overdraft protection. 

On XX/XX/XXXX I submitted the amount of XXXX covering the transaction on the following day, ( within the added grace period.. ) later that night on XX/XX/XXXX my account was charged a overdraft fee.. 

Also similar XXXX XXXX $ overdraft fee charge for transaction posted on XX/XX/XXXX also called in attempt to cleared transaction within the time and was denied clearance of any charges within the grace period on or before 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 2024-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
I sent a letter via XXXX, certified with return receipt to this company asking for debt verification/validation/purchase agreement from original debtor. In the letter, I advised this company to only communicate with me via mail. They have been calling and emailing me daily. Over and over. They started emailing and calling me before even verifying any debt owed, which is a violation in itself. Theyve received my letter and still continue to email and call me, after I told them not to. They are in violation of the law and I have records to sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
Account was charged off and settled for less in XX/XX/year>. Still reporting as a charge off. Please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/XXXX I made an online payment, via ACH withdrawal ; in the amount of {$800.00}. By XX/XX/XXXX, the payment was posted to my account but my credit available did not reflect the payment. My credit limit still showed it was {$2000.00}, so I knew they didn't decide to lower it. On XX/XX/XXXX I contacted Care Credits customer service. I was informed that " it happens all the time '' and that " due to the large payment amount, the payment was being held until it cleared my bank ''. I thought this was odd as I have made payment of {$1000.00} and the available credit reflected the payment within two or three business days. After I hung up, I researched their terms and Conditions in regards to payments made online. I found that in summary, it says that the payment will post to the account within XXXX  hours and that the available credit, subject to funds received from the bank, will increase within XXXX business days. There is no mention regarding payments being held due to them being " a large amount ''. On XX/XX/XXXX, I checked my account and the available credit still had not reflected the {$800.00} payment. I checked my bank and the payment cleared through them on the XXXX. I phoned customer service again to be told that because the payment was over {$500.00} it was being held until the XXXX. I confirmed with him that they did receive the funds on the XXXX. I informed him that I have made payments in the amount of {$1000.00} and the payment was not held. He reiterated that that was their policy to hold payment over {$500.00}. I informed him that that is not stated in their terms and conditions for online payments. Again he stated that that was their policy. I asked for a supervisor and he said he would get one but they will tell me the same thing. I was then connected to XXXX. I again told her I made the payment on the XXXX and it cleared my bank on the XXXX but it still didn't reflect in my available credit. She told me, just as the man told me ; that it was their policy to hold all payments over {$500.00}. I read to her their terms and conditions for online payments and asked her where I could find it, within their terms and conditions that it says that. She simply replied that it's the policy. I informed her that why is it I have to abide by their terms and conditions but that they don't. Again, she told me it was their policy. I told her they are breaking their contract with me since I had to agree to their terms and conditions but that they aren't. I asked her to email me, where in their terms and conditions ; it states that online payments over {$500.00} would be held. I said I want to see that in writing. She put me on hold for XXXX minutes and then the call disconnected. They also state that consumers will be notified if changes to their terms and conditions change. No notification has been sent and according to their site, it was last updated XXXX of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I disagree with the account listed below, which still appears on my credit report after your investigation. I request an immediate reinvestigation of this item, as the inaccuracies are highly injurious to my credit score. 

In accordance with the Fair Credit Reporting Act ( FCRA ), Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above account, so that I may follow up.

Additionally, please send me an updated copy of my credit report after your reinvestigation. 


Account Name : XXXX XXXX XXXX. 
Account Number : 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 2024-05-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: NC

Complaint narrative:
I am writing to formally lodge a complaint against Nelnet regarding numerous issues I have encountered with their website and customer service, which have made managing my student loan nearly impossible. 

First, the Nelnet website is not user-friendly, particularly on mobile devices. The interface is cumbersome and difficult to navigate, and it does not adhere to accessibility standards. Even as a XXXX XXXX XXXX I can tell there are issues with tab order and ability to access elements, I can not XXXX this for a XXXXXXXX XXXX XXXX XXXX XXXX 

I have also faced persistent problems with the login system. Despite multiple attempts to reset my password, the process does not work as intended. While Nelnet provides a call center for support, the hours of operation are not accommodating for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The call center is closed during the hours when I am available, such as XXXX, which exacerbates the difficulty in resolving these issues. 

The live chat feature on Nelnet 's website is equally frustrating. It relies on an automated robot that is unhelpful and does not provide the assistance needed to resolve technical problems or account issues. Moreover, Nelnet 's messaging system is inefficient ; messages are not easily accessible and often go unanswered. I can sometimes click where it says I have a new message only for nothing to display and it say you have no new messages. 

Compared to my experience with Great Lakes, Nelnet has made accessing my account significantly more difficult. Simple tasks, such as applying for the XXXX XXXX ( XXXX ) plan, have been problematic. I submitted an application for the XXXX plan earlier this year and never received any correspondence or confirmation, leaving me uncertain about the status of my application. 

Furthermore, Nelnet does not offer an email contact or any alternative form of communication for addressing account issues or technical problems. This lack of accessible support channels is unacceptable and leaves borrowers without adequate means to resolve their concerns. 

In summary, the user experience on Nelnet 's platform is severely lacking in terms of usability, accessibility, and customer support. I urge you to address these issues promptly to ensure that borrowers like myself can manage our loans effectively and without undue hardship. I am still unable to access my account. This has been ongoing for over a month now. I believe I have correspondence related to my loan ( such as student debt relief programs ) and nelnet does not want me to know about and this possibly could be nefarious behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I set up a XXXX XXXX payment to be mailed to XXXX XXXX XXXX and delivered by XX/XX/XXXX. When I reviewed my account with the merchant on the morning of XX/XX/XXXX, the bill pay check for {$2000.00} had not been received. I then contacted PNC Bank and requested that a stop payment be made on the bill pay check # XXXX ONLY. Then, I made an ACH payment with the merchant on XX/XX/XXXX for {$2000.00}. Via phone, a PNC representative advised that an investigation would start for the XXXX XXXX payment that I placed a stop payment on and would be completed within 10 business days. The representative also advised that my account would not be credited the funds from the XXXX XXXX payment until the investigation was completed. I called PNC almost daily after XX/XX/XXXX because available the balance in my SPEND account was low and I wanted to make sure my directive had been carried out properly. Unfortunately, despite my efforts PNC did something that I DID NOT ask resulting in me be charged additional fees and losing my ability to pay my rent online with XXXX XXXX XXXX because, PNC Bank ALSO placed a stop payment on the ACH payment I made to cover my XXXX rent in the amount of {$2000.00}. So, not only has PNC mailed my rent late, PNC caused Pathlight to assess a {$25.00} returned check fee to my account, {$180.00} late fee and suspension of my ability to remit future ACH payments with this merchant. I had to mail a cashiers check to XXXX on XX/XX/XXXX via XXXX resulting in postage fees ( {$9.00} ) and me being late for my job. This is unacceptable and I expect to be reimbursed and compensated for this fiasco caused by incompetent PNC representatives who do not properly understand XXXX. Also, if PNC had provided written notification after the XXXX stop payment request was improperly initiated, I could have intercepted this issue. However, PNC only sent notification after the stop payment had been successful. PNC should provide written notification via email and mail for problems like this.

Company response to consumer: Closed with explanation