vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Patient Accounting Service Center
State: CA

Complaint narrative:
Approximately XX/XX/XXXX I received a bill ( attached ) for {$78.00} for medical services performed on XX/XX/XXXX at XXXX XXXX XXXX. Note that, although it was nine months after the service, XX/XX/XXXX was the first time I received a bill for the services. My husband promptly paid the bill in full on XX/XX/XXXX and got a receipt for payment ( attached ). In early XX/XX/XXXX I began receiving phone calls from ARstrat, the collection agency for XXXX XXXX XXXX. They said I still owed {$31.00} on the bill. I said, " no, the bill was paid in full and I have a receipt ''. The agent, XXXX XXXX [ XXXX ] asked me to email a copy of the original statement and the payment receipt, which my husband did on XX/XX/XXXX. XXXX also suggested " well maybe the balance owed was from a different bill ''. She was guessing. I said " no, the date of service and the account number on the collection statement ( attached ) matches the original bill. You're trying to collect on a bill that was already paid ''. Further, I said " even if there is another unpaid bill then tell me what bill that is so I can prove that it was paid also ''. I have not received a response to that request. A few weeks later, I am still receiving phone calls and collection requests in the mail. They keep insisting that I owe the money. They have also threatened to report me to the credit bureaus for non-payment. I consider this bullying and harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
It has come to my attention that I, XXXX XXXX XXXX, a natural person, pursuant to 15 usc 1602e am fully aware that there is evidence of Resurgent Capitol Services ( LVNV Funding ) illegally attempting to collect an alleged debt! and has violated my federally protected consumer rights to privacy and confidentiality Resurgent Capitol Services ( LVNV Funding ) is in Violation of FDCPA Title 15 USC 1692c 805. Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt! 
( I Never gave you permission to contact me ) Pursuant to 15 USC 1692g ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

( You Have Not Validated This Alleged Debt, Partial Information is unacceptable ) I did not grant Resurgent Capitol Services ( LVNV Funding ) permissible purpose to obtain my personal & private information, So they also have committed identity theft, Pursuant to 15 USC 1681a ( q ) ( 3 ) : The term identity theft means a fraud committed using the identifying information of another person.

I have sustained emotional and psychological damages because of Resurgent Capitol Services ( LVNV Funding ) unfair and deceptive practices, and willful disregard of my privacy and its reporting has damaged my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I did not consent to authorize nor benefit from the following account ( s ).

Block and Remove Pursuant to 15 USC 1692g I have not received a proper response.

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 2022-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I, XXXX XXXX, a federally protected consumer, beneficiary, debtor, and holder in due course pursuant to UCC 3-306 is aware that the unlawful use of a credit card such as a Social Security Card under 15 U.S. Code 1602 ( l ) by an organization or person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit constitutes unauthorized use pursuant to 15 U.S. Code 1602 ( p ). 

I understand that the fraudulent use of a credit card, by NAVY FEDERAL CREDIT UNION, is defined as whoever uses, attempts or conspires to use a card to obtain money, goods or services shall be fined for {$10000.00} or imprisoned for 10 years or both. 

This ePromissory Note, as shown in EXHIBIT ( A ), is a consumer credit contract and as described in 16 CFR 433.1 ( i ) an instrument, and under UCC 3-104 ( a ) an instrument is a negotiable instrument and an unconditional promise to pay, no different than a dollar. I have reason to believe and do so believe this instrument constitutes payment under the negotiable instruments act and has fully paid for this transaction on the date of consummation. 

I entered into a consumer credit transaction with NAVY FEDERAL CREDIT UNION where a credit sale took place and a finance charge was imposed, where NAVY FEDERAL CREDIT UNION holds a security interest. Pursuant to 15 U.S. Code 1605 ( a ), the finance charge is the sum of all charges. 

NAVY FEDERAL CREDIT UNION did not clearly and conspicuously disclose the right to rescind this consumer credit contract, nor did I receive any clear or conspicuous verbal, written or video explanation on my right to rescind. 

This is my notice of Rescission of this consumer credit transaction due to fraud on behalf of NAVY FEDERAL CREDIT UNION. NAVY FEDERAL CREDIT UNION has been committing theft by deception and using unlawful extortionate means by furnishing false and deceptive forms. 

I am invoking my right of rescission in accordance with 15 U.S.Code 1635 and UCC 3- 306 to rescind any power of attorney which may have been used in connection with this transaction which includes any derivative, hypothecation, trades, transfers of possession, whether voluntary or involuntary involving any and every instrument which may have occurred unbeknownst to me. I was not given full disclosure of any such power of attorney until the discovery of its potential existence and demand a full revocation of such document ( XXXX ) ; nunc pro tunc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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: OK

Complaint narrative:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting 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 non-monetary relief
Consumer complaint received 2022-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Name : XXXX XXXX XXXX Address : XXXX Little XXXX XXXX, Spout Spring, VA XXXX Email : XXXX My complaint is against Experian concerning my Chapter XXXX Bankruptcy dispute. 
Report # XXXX XXXX XXXX CT VA XXXX XXXX XXXX XXXX # XXXX On XX/XX/2021, I sent a notarized, certified dispute letter including a letter from the courthouse stating that they do not subscribe to the Experian agency to be able to report this public record on my credit report. Experian responded, " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. '' Next, I disputed this account online XX/XX/2021, with the same response. On, XX/XX/2021, I spoke with an unprofessional, female Specialist with unknowledgeable comments that Experian never received my mailed documents which included a letter from the courthouse stating that they do not subscribe to your agency to report this public record on my credit report. The Specialist left me on hold for XXXX hours and XXXX minutes which I could hear other representatives working with their customers. Then the phone hung up. I am humiliated and will consider filing a complaint with CFPB if this account is not removed immediately. XXXX and XXXX removed/deleted this account 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 2022-02-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2022-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I did not consent to authorize nor benefit from the following account ( s ) Pursuant to 15 USC 1692g I have not received a proper response.

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 2022-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I did not consent to authorize nor benefit from the following account ( s ) Pursuant to 15 USC 1692g I have not received a proper response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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: Paypal Holdings, Inc
State: TX

Complaint narrative:
For a couple of months, I have been unable to log into my PayPal account due to this company now demanding that I provide them a mobile phone number. This is something that is not possible, and therefore I am blocked from using the account altogether. My lass successful login attempt was on XX/XX/XXXX. 

All attempts to contact them through the website require a login, and therefore are not usable for any kind of communication. On XX/XX/XXXX, I sent a message to their email address " XXXX '' demanding that they either fix my account so that it does not require a phone number, or close it altogether. This demand was ignored. Here is a redacted log entry from this attempt : XX/XX/XXXX XXXX <redacted> XXXX [ XXXX ] : XXXX : XXXX, XXXX [ XXXX ] XXXX, XXXX, XXXX, XXXX, status=sent ( XXXX ok : Message XXXX accepted ) To this day, I am unable to use this account, not even to request closure or view statements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-16 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: AZ

Complaint narrative:
I contacted my bank over 5 times trying to describe the issues I faced and hard time stoping payments after losing my job due to covid. I also noticed that the bank had changed me a XXXX $ overdraft/return check fee for the same charge. Rather then investigating they provided me a screen shot of the times they had waved a fee. Im a customer of over 10 years and being charged over 250 $ in fees in one month and some being duplicated is not fair and I believe this banks practices have crossed several lines. Im referring to all fees from XX/XX/22 to XX/XX/22

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 2022-02-16 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
My mortgage company reported the wrong information ( said my balance went up to {$97000.00}, almost {$2500.00} higher than it is ) and when I disputed the information they told the credit bureau the information was correct.

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 2022-02-16 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: U.S. BANCORP
State: OK

Complaint narrative:
My mortgage company reported the wrong information ( said my balance went up to {$97000.00}, almost {$2500.00} higher than it is ) and when I disputed the information they told the credit bureau the information was correct.

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 2022-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.

Complaint narrative:
I attach a letter with specific details about my file. Essentially, Citibank NA appears to have closed a checking account with an account balance of close to USD 1,000 balance. 

Repeated written requests for information have gone unanswered. This is unacceptable corporate behaviour. 

Thank you for your assistance. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: HireRight Solutions, Inc.
State: TX

Complaint narrative:
Other addresses not mine. I have lived at is XXXX XXXX XXXX XXXX, Texas XXXX for 57 years a open court case which is being plead not guilty need to be removed which is causing " concrete harm '' being reported is unwanted and will be asking for relief pending no removal

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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: NV

Complaint narrative:
I am with well fargo. And i have be hit woth 8 overdraft fees this month alone. 35 dollars each, i am a US veteran and my payment for my gi bill and books had came in 11 days late. This caused a multiple of small transaction such as XXXX, XXXX etc. I had contacted wells fargo and tried to explain what happened to see if they could reverse some of the fees and they only credited me XXXX dollars. This caused me to nnot pay my rent and i am still negative XXXX dollars

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 2022-02-16 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: AZ

Complaint narrative:
I submitted to Great Lakes a removal of my student loan based on school closing and false pretenses that once I graduate with a degree in XXXX studies I would be helped and will be able to make XXXX figure income once I graduate. That I would be placed with lawyers and law firms in getting a secured job. Once I graduated that never happened the school cancelled further schooling for XXXX studies and no longer supported their promises or claims when I graduated leaving me with massive debt for the program. Not once did they aide me in my quest for a job with any law firm since the year I graduated they ceased any further operation of XXXX XXXX  studies and abandoned me on job searches. Now Great Lakes will not cancel my student loan since the school defaulted on their promises by being bought out during my schooling by the said company that was reported defrauding students on their student loans. I therefore plead my case against my student loan and fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
This has been going on for nearly a year now and I thought yall was here to protect me from companies like this and there practices!!!! I had 2 accounts with this company and have had them for years, all of a sudden XXXX of 2021 one of the accounts stop reporting to the credit bureaus causing my score to decline drastically, I know yall gon na say Ill filed this report against them already but now they have went a step further and the accounts are not sho at all on my reports as if I never had an account with them at all!!!! I asked for a few late pa to be removed and the entire accounts have been removed!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
I submitted a document from the XXXX XXXX Auditor`s office showing a tax exemption for my property taxes. I still haven`t received the exemption allowed for my taxes.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2022-02-16 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: TX

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2022-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I filed a dispute with the credit bureau because the debt being reported is old and statute of limitations has run out. However the creditor has changed the dates to make it look newer. But when I disputed it the credit bureau didnt change anything and said the debt was valid.

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