vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The credit card issuer, XXXX XXXX, reported an update to my account on XXXX. Transunion is stating that they don't have any updates to my account, thus continuing to report an incorrect amount an Utilization on my credit report. Additionally, XXXX XXXX requested that a collection be deleted from my account, because it was paid in full 31 days ago. Transunion did not acknowledge my claim and that collection remains on my report. I chatted with Transunion via their site, and was told to submit a dispute. When I tried, the Transunion site would not allow me to submit an online dispute. Additionally I was not able to access my report for the past week and a half. I was told two days ago that my account needed maintenance. I was finally able to view the report today, XXXX. There was no reason give for the denied access. I also paid to view my XXXX score only on the Transunion site, however, I have not been able to gain access to it. Transunion continues to have me agree to a monthly service in order to view my score.

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 2022-01-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Certified Solutions, Inc
State: NJ

Complaint narrative:
On XX/XX/XXXX, I was admitted to XXXX XXXX XXXX for a XXXX XXXX, resulting in a few stitches, nothing more. Here, they did not run my medical insurance, they did not ask me if I had insurance, or care to check records. At the time, I was so focused on my severe pain that I did not think to take out my insurance card, but then again, remembering to run my own insurance while in severe pain is NOT my responsibility as the patient. It is the hospitals sole responsibility. I assumed they had my insurance on file as I was sent home without a bill included in my discharge papers. 

Well over 3 years later, I received a bill for {$5200.00} from Certified Credit & Collection in XXXX XXXX, NJ. When I first called this collection agency in XX/XX/XXXX, I asked for an itemized bill, because I was concerned with what this was about. After all these years, I thought my insurance took care of this bill. Naturally, I asked if my insurance was ran in XXXX. This is when my account representative, XXXX, ( Possibly XXXX, they are hard to understand ) told me that my insurance was NOT ever ran by the hospital. This is the first time I became aware of this information, on XX/XX/XXXX. My account representative told me she would reach out to the hospital for notes. And ever since that conversation, I have tried to reach out to my account representative more than 6 times for said hospital notes. I was told I would receive a call back every time I reached out, and I never have. I have been following up daily and I get no feedback. 

In fact, the more that I follow up, the more angry and rude this agency becomes. This agency has used abusive language with me, today XX/XX/XXXX at XXXX, saying that " I lied '' and that " they try to call my but my phone is disconnected ''. My phone number has never been disconnected since I obtained it over 15 years ago. That is 100 % false, an intimidation tactic, and predatory. Especially because I have documentation from XXXX of incoming call logs with no call coming from them, and I have documentation from XXXX of outgoing call logs with multiple calls from me to their agency. I also have documentation from XXXX that my phone has not ever been disconnected or shut off. 

Additional from the abusive language from this agency, to my knowledge, this debt is no longer collectable and they should not be contacting me about it. It has been over 3 years without running my insurance on their end, thus a medical insurance claim can not be filed. And according to my insurance agency, this debt is the sole responsibility of the hospital now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nationwide Recovery Systems, Ltd
State: SC

Complaint narrative:
They reported a debt on my credit report to XXXX  and possibly other credit bureaus. They never contacted me by mail or phone relating the debt. It was never validated, yet they reported it on my credit illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
TransUnion XXXX, XX/XX/XXXX. Factual data, XX/XX/XXXX. Factual XXXX XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. Factual XXXX XX/XX/XXXX. These were through TransUnion that i have disputed and they will not remove.

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 2022-01-14 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: DC

Complaint narrative:
i was told my account is being closed i still have not got my funds that was in my account this is crazy i keep calling customer service they keep giving me the run around

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: NC

Complaint narrative:
On XX/XX/2022, I began reviewing copies of my consumer reports with XXXX, XXXX, and XXXX, and I noticed that it is reporting an experience with DISCOVER CARD FINANCIAL. The line of credit I have with DISCOVER FINANCIAL is characterized as utilization on my consumer reports. DISCOVER FINANCIAL IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports. Regarding the : DISCOVER credit card, DISCOVER FINANCIAL is in clear violation of the law. Pursuant to 15 USC 1681a 2 ( A ) ( 1 ) 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 ( DISCOVER CARD FINANCIAL ) 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 ( DISCOVER FINANCIAL ) 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! DISCOVER FINANCIAL HAS VIOLATED THE FCRA 15 USC 1681a 2 ( A ) ( i ) by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. My consumer rights have been violated so I mailed a letter to DISCOVER FINANCIAL expressing my concerns via USPS tracking # XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
Paypal blatantly disregarded my non-profit organization 's claims within a multitude of disputes. We reached out 5-6 different times to have it fixed in the allotted time frame they requested, and submitted the corresponding information 4 times via email. When it was clear that they were not reviewing it, they consistently told us that they 'did n't get it. ' We sent the information via certified mail, and received a message that because we did not respond to them via email, that they were siding against us for our non-cooperation. We tried cooperating and communicating multiples times like they asked. Now, they've put us in collection for nearly {$1000.00} and will not assist us.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: TN

Complaint narrative:
As of XX/XX/XXXX, NelNet reports {$11.00} is past due ( despite federal moratorium on payments ). I've been on autopay Direct Debit with XXXX and have made all payments during the pandemic moratorium. 

XXXX sent me a Goodbye Letter dated XX/XX/XXXX notifying me that " Your loan account will be transferred to Nelnet on or about XX/XX/XXXX. '' That notice also stated that " If you are enrolled in " Direct Debit, your information will be transferred to Nelnet and automatic payments will resume.... There's no action for you to take.... Nelnet will continue from that point to draw your monthly payment amount from your bank account... Nelnet will let you know the first day it will debit a payment for your account. '' On XX/XX/XXXX, I received a Welcome Letter from Nelnet dated XX/XX/XXXX. This was my first correspondence from Nelnet. 

There are two errors here. First, Nelnet did not withdraw a payment for XX/XX/XXXX for the normal monthly amount of approximately {$750.00}. Thus, its servicing error has caused Nelnet to flag me as " {$11.00} is past due. '' Second, Nelnet has continued XXXX 's servicing error of noting that my account is due only for {$11.00} each month. XXXX was not properly applying my monthly payments ( that is the subject of another CFPB complaint that is still open ). This error can be pinpointed to sometime around XX/XX/XXXX when XXXX acknowledge it was misapplying my payments. On XX/XX/XXXX, and prior, my monthly amount was {$730.00}. Beginning with my payment on or around XX/XX/XXXX, XXXX changed my monthly amount due ( because it was misapplying my payments ) to {$750.00}. Consequently, XXXX also started reporting my account as due for {$11.00} each month instead of {$750.00}. 

Nelnet should accept responsibility for its failure to deduct my XX/XX/XXXX payment and/or send me payment information prior to the due date. Nelnet should also discontinue XXXX 's improper accounting and inaccurate monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo continues to assess these NSF Fees without sending alerts to the negative balance and also continue to allow a merchant to withdraw funds from my account after I have requested to have it stopped.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
I signed up for the Transunion Credit Reporting and thought it was free. I used it for a couple days then decided it was no longer needed. Now, I've been making payments on my credit card for months and didn't understand why my balance wasn't really changing. I looked to see if there were any other charges besides interest and there were. I tried logging into my account but when I get to the security question it will not let me pick one to answer. I've called them over the past week and sat on hold every time for hours at a 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 2022-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I had an account on the online shopping store " XXXX XXXX  In this account I had my credit card information saved for faster checkout. On XX/XX/2021 at XXXX I received an email that I had placed an order on the site for a product. Within 1 minute, I received 3 more emails stating I had ordered the same product. A total of four open orders that I did not initiate. The supposed seller then marked each one as shipped within another minute or so to make it impossible to cancel the orders. I was able to cancel one order before the seller marked it shipped leaving 3 orders for the same product that I didn't create. I contacted the website first but they suggested doing a chargeback through my credit card. My card was immediately cancelled and an investigation took place. The investigation said I the transactions were not fraud, which I disputed. I sent documents showing that multiple of the orders used the same tracking number. On the invoices of each order it showed my home address that I had attached to my account, but the tracking numbers showed delivered to a completely different state. The destination not matching the order address should alone be enough to investigate. The website has now frozen the orders from this fraudulent seller as they have realized it was not accurate. Chase still has me as responsible for the orders even though I provided plenty of evidence that the orders were not possible to be filed by me and no packages were ever sent for me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Hi, I tried to go open bank accoubt at few dofferent places and everywhere i go, they say ive negative account from somewhere and o cant open new bank account. I need to rectify this and report identity theft of misuse bank 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 explanation
Consumer complaint received 2022-01-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion 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 : XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX Balance : {$690.00} XXXX XXXX XXXX : {$0.00} US DEPT ED XXXX Balance : XXXX Date Opened : XX/XX/2011 XXXX XXXX XXXX XXXX XXXX : {$640.00} Date Opened : XX/XX/2011 XXXX ( Original Creditor : XXXX XXXX OF XXXX ) XXXX XXXX XXXX {$240.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$60.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4500.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$6900.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$450.00}

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 2022-01-14 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
I am a victim of identity theft. It is sad that these companies can flat out violate the federal law like this. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts. Not only have I not given the credit reporting agencies written consent to furnish my consumer report at no time per 15 USC 1681b. I will be filing with the federal courts about the continuous back and forth with the credit reporting agencies and companies who clearly know that they are in violation of the law. It clearly states that once I notify each credit report agency of my identity theft a removal of the account or information is to be removed. I as the the consumer is also the person to identify this information for validation but not one person has called me to verify not one thing. It has been almost a full year of attempting to get them to correct my credit file. I am no longer waiting and will be taking this to the next level. The Navient account is not mine and needs to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I deposited a " SECURE '' Payroll check to my checking account with WELLS FARGO on XX/XX/XXXX, expecting it to be cleared the next day. I called the XXXX # on XX/XX/XXXX to find out why I see a hold on the check. They told me the problem with with the issuer of the check. It is a " Secured '' Payroll check, not sure the problem. They told me the funds would be released on XX/XX/XXXX. On XX/XX/XXXX I went to my local branch, the Manager told me it was because of too many overdrafts. XX/XX/XXXX - I received a letter dated XX/XX/XXXX stating my check is on hold because " You Need to Refer to Maker of Check ''. XX/XX/XXXX the maker of the check to the letter and a copy of this check to his bank and they stated that it cleared!! The maker of the check then went to Wells Fargo with the letter and the check along with the notice from the bank that it had cleared. 

Whatever the reason is, it was not made clear to me. I will attach my bank statements with overdrafts caused by checks being held AND I received overdraft fees AFTER deposits were made to cover by end of day. I also have the letter received from the bank stating " You Need To Refer To maker Of Check '' which I did. 

My business account currently has a hold on a regular check in the amount of {$4000.00} and the letter stated " Signature on check is irregular ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: VA

Complaint narrative:
I have attempted to resolve an ongoing issue that has been, and continues to be, problematic to my financial security. It came to my attention in XXXX that numerous, 23 to be exact, of the payments that were made to this account were denied as eligible payments towards the Public Service Loan Forgiveness Program ( PSLF ). The payments that were denied, range from XXXX to XXXX with the reason of denial being that the Payment Was Received Outside of Payment Period Window. All of these payments were not made outside of the payment period window and should be counted towards the PSLF eligible payments. I have contacted FedLoan by phone ( XXXX ) numerous times since XXXX in reference to this issue and spent an inordinate amount of time without any resolution to the situation. The amount of time it takes to reach a customer service representative makes this issue very difficult to resolve and is unacceptable. The phone contact with Fedloan that was made on XX/XX/XXXX squandered two ( 2 ) hours of valuable time before a representative could be reached, which frankly, should be an embarrassment to the Fedloan agency. I am currently in the process of obtaining a mortgage, which this issue is hindering, and attempted to resolve the issue through phone contact yesterday and spoke with a representative by the name of XXXX ( Employee ID XXXX ) who advised me that the government will accept the payments, XXXX through XXXX, as eligible payments towards PSLF. It was advised that a time of when this will happen could not be provided but that the loans should be forgiven after six ( 6 ) more payment periods. When asked if something could be provided that explains this could be obtained to provide to my lender for mortgage approval, it was advised that nothing could be provided. According to the FedLoan website, the Expected Forgiveness Eligibility date is XX/XX/XXXX, which is not accurate due to the fact that payments have been made towards these loans since XXXX. Phone contact has proven to be of no assistance in this matter and a letter requesting a resolution was recently mailed in hopes of avoiding legal fees, in an attempt to resolve this situation, and to request that documentation be provided in a timely manner with an accurate expected forgiveness eligibility date of XX/XX/XXXX and no response was received. This issue needs to be resolved as soon as possible and FedLoan appears to be indifferent and has offered no assistance in resolving the issue.

Company response to consumer: Closed with non-monetary relief