vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: OPTUM BANK, INC.
State: WA

Complaint narrative:
XX/XX/2022 - I requested to close my Health Savings Account at Optum , Inc ( https : //employer.optumfinancial.com/ ) and transfer all the funds ( $ XXXX ) to XXXX. 

XX/XX/2022 - Optum claimed that they issued a check to XXXX. 

XX/XX/2022 - XXXX told me they still haven't received any check or notifications about the transfer. Then I contacted Optum again and they told me that they will reissue a new check to XXXX. 

XX/XX/2022 - When I tried to contact Optum to inquire about the status, I was told that the case was closed and there's no resolution. The customer service basically told me there's nothing they can do and can't wait to get rid of me by " Is there anything else I can help you with today? '' At this point, my HSA funds at Optum was basically scammed. It's been 1.5 months since I requested the HSA account transfer via mail ( which is another pain point ) and my funds ended up swallowed by Optum. I'll have to take legal action against Optum if this can't be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have the inquiries below that are not mine. I have reached out to the credit departments but they have not corrected the issue. There is a person by the name of XXXX XXXX XXXX that is using my social security number to try to open up new accounts. 

Account name XXXX reported XX/XX/XXXX XXXX XXXX  reported XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: GA

Complaint narrative:
XXXX XXXX mail sent to Experian XX/XX/XXXX was ignored which is a violation of U.S. Code 1681 ( a ) ( 1 ) ( A ) which states if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer. - Experian refused to investigate although new information and documentation was sent to them regarding there being two different credit collectors attempting to collect on one account. 

I advised Experian of the second violation of the Fair Debt Collection Practices Act 15 U.S.C. 1681a Section 623 ( a ) XX/XX/XXXX stating the original creditor provided them with inaccurate information/fraudulent fees and charges and Experian did not complete a thorough investigation. Experian allowed the company to deduct fees for which they could not prove I owed off of the total balance but failed to investigate all fees listed in the dispute I sent to them. 

Experian has violated The Fair Debt Collection Practices regarding these accounts and my dispute requests more than five times in the past 120 days and continue to do so.

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 2022-10-04 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: PA

Complaint narrative:
In XX/XX/2022 I received XXXX notices of loan forgiveness, however, I dispute the calculation of payments that qualify for a refund. After multiple calls with my loan servicer ( Fed Loan Servicing ) from XXXX to XXXX that did not resolve the issue, I filed XXXX XXXX XXXX XXXX through the XXXX XXXX XXXX XXXX XXXX XXXX site on XX/XX/XXXX. To date I have not received as status update, nor can I determine where I can find out the status. A copy of my Reconsideration Request is attached.

On July 21st, I spent more than 3 hours on the phone with Fed Loan Servicing, XXXX, and Federal Student Aid trying to determine who has my information. Fed Loan Servicing said I need to call Federal Student Aid ; XXXX doesn't even have me in their system and told me to call Federal Student Aid ; and representatives in the XXXX XXXX XXXX  Forgiveness and Discharge department told me the loan servicers are handling reconsideration requests. I note that XXXX hosts the reconsideration form on its site and sent the confirmation email I received immediately after I filed the request, so I expect XXXX to know what is going on with my request. 

On XX/XX/XXXX, I submitted a formal complaint on the XXXX website. On XX/XX/XXXX, I received an email that did not acknowledge my specific concern but provided information I ALREADY HAD AND USED for Fed Loan Servicing and XXXX and stated my case was closed. 

On XX/XX/XXXX, I filed a complaint with the Pennsylvania Higher Education Assistance Agency ( PHEAA ) Office of Consumer Advocacy using my Fed Loan Servicing access. As you will see in the attached email correspondence, they continue to evade my question about the Reconsideration Request and provide me information as if they have not read my complaints.

I am EXTREMELY FRUSTRATED to learn NO ONE seems to know who is handling PSLF Reconsideration Requests and even more worried that no one is reviewing what is filed. Furthermore, I believe I am still owed {$2500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Bankruptcy XXXX XXXX # XXXX, Bankruptcy XXXX  XXXX : # XXXX, XXXX XXXX : # XXXX ( XXXX ), XXXX loan XXXX # XXXX, US Dept . of Education, XXXX XXXX XXXX XXXX # XXXX ( XXXX ), # XXXX, XXXX XXXX # XXXXXXXX XXXX  XXXX # XXXX ( XXXX ), XXXX  XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX ), XXXX XXXX # XXXX ), XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-10-04 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Bankruptcy XXXX XXXX # XXXX, Bankruptcy XXXX XXXX : # XXXX, XXXX XXXX : # XXXX ( XXXX ), XXXX loan XXXX # XXXX, US Dept . of Education, XXXX XXXX XXXX XXXX # XXXX ( XXXX ), # XXXX, XXXX XXXX # XXXX, XXXX  XXXX # XXXX ( XXXX ), XXXX  XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX ), XXXX XXXX # XXXX ), XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-10-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX mail sent to Transunion XX/XX/XXXX was ignored which is a violation of U.S. Code 1681 ( a ) ( 1 ) ( A ) which states if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer. - Transunion refused to investigate although new information and documentation was sent to them regarding there being two different credit collectors attempting to collect on one account.

I advised Transunion of the second violation of the Fair Debt Collection Practices Act 15 U.S.C. 1681a Section 623 ( a ) XX/XX/XXXX stating the original creditor provided them with inaccurate information/fraudulent fees and charges and Transunion did not complete a thorough investigation. Transunion allowed the company to deduct fees for which they could not prove I owed off of the total balance but failed to investigate all fees listed in the dispute I sent to them. 

Transunion removed both collection accounts from XXXX XXXX and XXXX XXXX from my credit report twice in the past 120 days. The latest being XX/XX/XXXX. I was not notified on either occasion of the accounts being added back to my credit report within 5 days which is required under federal law FCRA 611 ( a ) ( 5 ) ( B ).

Transunion has violated The fair Debt Collection Practices regarding these accounts and my dispute requests more than five times in the past 120 days and continue to do so.

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 2022-10-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
In XXXX I OVER-PAID my Old Navy Credit Card account my {$58.00}. I contacted the company asking to receive a refund for the overpayment. They helped me and mailed me XXXX separate checks of {$29.00} each that I received in the next few weeks. 

So in XXXX my balance was XXXX dollars. Then the company refunded me {$58.00}. 

The next time I checked my account balance it stated that I OWED {$58.00}. 

I contacted the company immediately to point out the issue. I explained the situation and they immediately acknowledged that it was a mistake on their part. They assured me it would be resolved and my balance would be cleared to zero as it should be. They told me it would take a billing cycle to resolve. 

When I checked back in XXXX to confirm my balance was at XXXX, not only was it NOT at XXXX, they had charged me a LATE FEE. So now, they were saying I owed {$89.00}. I've contacted the company over XXXX times since then, waiting on hold each time. I've asked to speak to a supervisor numerous times and no one can ever put in me in touch with XXXX. 

Again I reached out in early XXXX. I finally got in touch with a supervisor who assured me this issue would be handled. And that again, I would have to wait to see the resolution on my account for a few weeks. 

It is now XX/XX/XXXX, my bill is due TOMORROW and I have again been charged fees and now owe a total of {$140.00}, ALL DUE TO A MISTAKE ON THEIR PART. I spent XXXX minutes on the phone today trying to resolve the issue again. 

Quite frankly, this is unexceptable and I want this issue resolved. I spoke with a woman named XXXX # XXXX who assured me that I supervisor would call me back, because after XXXX minutes no one was responding to her. 

The company recently switched over to Barclays for their credit card and since then, it has been an absolute nightmare. I feel horrible for the decent people who are just trying to do their job, but no one seems to have the authority to resolve this issue. And those who have said they are supervisors have not resolved this issue like they assured me they would. 

Now I am concerned that because of the late fees, this will be reported negatively on my credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Io, Inc.
State: MD

Complaint narrative:
To whom it may concern, Recently checked my credit reports and realized your agency and this debt collector is in violation of 15 U.S. Code 1681a ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services. 
And 15 US Code 1681b ( 4 ) Limitation on redisclosure of medical information Any person that receives medical information pursuant to paragraph ( 1 ) or ( 3 ) shall not disclose such information to any other person, except as necessary to carry out the purpose for which the information was initially disclosed, or as otherwise permitted by statute, regulation, or order. I never read any medical care from this company. This debt does NOT belong to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Account still does not work properly. Paypal is refusing to provide adequate support to resolve the issues. Paypals last reply on XX/XX/22 which for some reason closed the case even though it did not fix or resolve any of the issues, and did not override any error messages, and other funding sources do not work. No other funding source available. None of them work. Transactions cant be processed. XX/XX/22

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for purpose.

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 2022-10-04 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: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Multiple fraudulent Bank XXXX XXXX inquiries on my credit report I have never applied for a Bank XXXX XXXX checking account. Ever. XX/XX/XXXX Received notification from XXXX XXXX XXXX Bank XXXX XXXX declined to open a bank account on my behalf because of information XXXX XXXX XXXX provided. I called XXXX XXXX XXXX and advised they were violating my rights and providing unauthorized information. The agent responded they were contacted. And again explained I never gave them permission to access my information. Then I called Bank XXXX XXXX and they acknowledged someone tried to open an account but they blocked it. I again explained the inquiry was fraudulent and not made by me. That did not invoke any further action. Now it is XX/XX/XXXX and again received notification of a Bank XXXX XXXX hard inquiry on my credit report. Fraudulent application. I have never applied for a bank account with Bank XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX and there is no third-party involved in this complaint. This complaint is about Equifax and the continued furnishing of false reporting of employment on my consumer report. The employer is no longer being reported by XXXX and XXXX ; it has been deleted from my account. Equifax reported back on XX/XX/2022, that it would be deleted from my consumer report per this Confirmation # XXXX. Please see attached documents for further information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: NJ

Complaint narrative:
I reached out to the credit bureau and its been over 30 days with no resolution.

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 2022-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Synovus Bank
State: SC

Complaint narrative:
I have had XXXX credits credit to this closed account and did not realize it until a few months ago. The bank need to check their legers to see where my money is. They have sent my account for collection and never paid it with the credits owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: MD

Complaint narrative:
I requested a refund on XX/XX/XXXX under the CARES act and was quoted 4-6 weeks for the refund to be sent back to me. I called last week ( XX/XX/XXXX ) and was given zero extra info besides that there was a remark about the refund being filed. I have also sent an email requesting info and have gotten nothing. In two days will mark 6 weeks without any updates or movement. I was told to receive an email with an update when my refund was accepted but haven't even gotten that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants' Credit Guide Company
State: TX

Complaint narrative:
Merchant Credit Guide has violated my rights according to 15 U.S.C 1692g-validation of debt. I sent my dispute letter requesting debt validation for account # XXXX I sent my dispute letter thru USPS certified mail. I did not receive any return mail within 5 business days to let me know they received my request for debt validation and are investigating the matter or any documents to verify the debt. which is a clear violation according to 15 U.S.C 1692g ( a ) notice of debt contents and is grounds for removal. Also, on my credit report the balances appear to be changing periodically and due to the non-response, I do not know. To my knowledge the account is inaccurate and has not been Validated

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation