vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Account NumberXXXX Routing : XXXX A check was accidentally deposited in the amount of {$37000.00} into this account in XX/XX/2022. I have reached out to the XXXX XXXX in regard to the made error of sending this check via direct deposit. I spoke with the company owner which is my previous business partner XXXX XXXX. He is using retaliation tactics by holding on to these funds and committing bank fraud. The auction told me they would get my funds back and give me my payment in the form of a paper check as requested by me in the first place.

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 2022-10-21 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: National Credit Systems,Inc.
State: PA

Complaint narrative:
( XXXX XXXX XXXX ) ( XXXXXXXX XXXX XXXX XXXX GA XXXX ) XX/XX/XXXX Re Acct # ( XXXX ) This letter is regarding the account linked above, which you claim is a collection I have with your company. This is an Official Notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act ( FDCPA ). Please note that I am requesting Validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that i dont owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 1692e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area. 
For the purpose of the 15 US 1962 et seq., This Notice has the same effect as a dispute to the validity of the alleged debt and dispute to the validity of your claims. 
Please Note : This is Notice an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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: MD

Complaint narrative:
The company in question is PayPal. I have been trying to resolve this issue for many months, so now I am forced to request your assistance. I run a business where I am paid AFTER I render services ( financial counseling for mortgage holders who are facing foreclosure. ) My clients are individuals who are facing foreclosure and are having a difficult time dealing with their lenders and navigating through the loss mitigation process. I educate, counsel, and assist them in navigating the loss mitigation process through the successful completion of their process, which results in them being able to save their homes. When XXXX invoice my clients, they are happy to pay me for my experience and expertise, and are grateful to pay me for the time I invested ( in advance ) to help them. 

I have NEVER received a complaint or request for a refund from any of my clients, nor has PayPal. Again, I get paid for services rendered. Yet PayPal has decided to close my account, and hold XXXX the funds that are currently in my account in the amount of {$1700.00}. According to them, they have the right to hold my funds for 6 months! I have requested an explanation for them closing my account, and limiting me from accessing my funds, and their response is that my business is considered high risk. Once again, I am paid for services rendered. I am frustrated, and refuse to believe that this is legal. I usually lend money short term to real estate investors who pay me at 20 % return on my funds and PayPal is holding money that I could be lending. That means that I am losing $ XXXX on the money that PayPal is holding for the next six months resulting in a {$2000.00} loss. Meanwhile, not only are they holding my funds, but also they are likely utilizing my money to gain interest plus the fees that they have already charged me when the funds were paid via their service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Set up and linked, using the trial deposit method my XXXX XXXX and a XXXXXXXX XXXX attempted to transfer funds from XXXX, aka Webster bank  ) on XX/XX/XXXX, funds were flagged for review, next day, provided the requested documents via secure email, money was debited on XX/XX/XXXX and transfer stopped. XXXX does not answer their phone, on hold and then disconnects after 40 minutes repeatedly, secure email messages not responded to, and internal message system from the account are ignored This is in regards to an external transfer XXXX and additional verification. 

I did eventually speak with a CSR on a call back and asked for escalation to a supervisor, of course no supervisor responded, much like the secure email I responded to was not answered. The transfer amount was debited from my account but is just in limbo, the amount is {$10000.00}. Funds have been withdrawn but no transfer. 

At this point I just want to cancel this transfer, but am unable to reach this bank. Regardless of time of day, ridiculous hold times and then disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Great Day I launched a dispute with all credit bureaus for the last 60 days about my closed Navient account trying to understanding all the inaccurate information that has been placed on my credit report. According to : XXXX : my account was opened XX/XX/XXXX closed XX/XX/XXXX i was reported 120 days past due, but all the previous months is showing paid as agreed ok. there was no indication of 30 days, 60 days, 90 days noted on another report it indicated i was 90 days past due XX/XX/XXXX and XX/XX/XXXX XXXX : my account was opened XX/XX/XXXX closed XX/XX/XXXX i was reported XXXX past due with no indication the previous month of a 30, 60, 90 days late pay and on the report it indicated i was 90 days past due XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
XXXX : my account was open XX/XX/XXXX closed ( nothing reported as if its still open ) this particular report indicated that i was 180 days past due and again on the report the previous month indicated ok paying as agreed. and only show a XXXX past due XX/XX/XXXX All Disputes I have reported replied back to me accurate and nothing changed on my report nor was there an explanation. When I call Navient there was a discrepancy in what she explained and what has been reported on the late pays. I noted that my students loans appear to change hands often and by the time information is reported to me and payment information is determined I am thinking this is where the discrepancies are happening. to much selling of loans and not notifying the consumer sooner would eliminate this kind of frustration.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
I filed a credit card dispute claim with USAA on XX/XX/XXXX for {$790.00}. The merchant in this case was a mechanic called XXXX XXXX XXXX XXXX XXXX. They had my car a total of 4 times for an issue with my coolant system. The 4th time they determined it was a bad water pump and needed to replace it. I paid {$790.00} for the work and after getting my car back it broke down the very next day. They did not correctly reconnect the fill hose that sends the coolant to the engine, which caused my car to overheat and I broke down. I called the merchant ( XXXX XXXX XXXX ) that morning 3 times, 2 times the next day, a few times a couple days later, left several voicemails, with no answer. I only got a call over a week later stating I could bring the car back and they would fix their mistake. By that time 1. ) it was already too late and 2. ) no one in their right mind would bring a vehicle back to a mechanic for a 5th time for the same issue. So basically, I took my car somewhere else because I no longer trusted XXXX XXXX XXXX and they were not picking up my calls. My new mechanic informed me of XXXX XXXX XXXX 's negligence and incompetence. USAA denied my credit card dispute case because they took XXXX XXXX XXXX 's original statement at face value. XXXX XXXX XXXX ( the service managers name is XXXX XXXX XXXX stated that I only brought my car their twice, that the fill hose not being reconnected properly was not because of them and that they never heard from me again. All of these things were a lie and I provided USAA with a 3 page letter and 19 pages of supporting documentation including call records, tow records, text messages and pictures of my vehicle to disprove XXXX XXXX and XXXX XXXX XXXX XXXX lie. My credit card dispute was rejected because USAA said " the merchant offered to fix their mistake ''. I said that is ridiculous because at what point does their work not constitute neglect? And if they don't call me back for over a week am I supposed to sit at home, not go to work and wait for them to fix my car? USAA did not have a good answer. The final time I called USAA they told me they were going to have someone call me back to rectify this. I waited for that call and it never came. I am requesting that the Consumer Financial Protection Bureau get me my refund of {$790.00}. You can call me at XXXX if you want more detailed information regarding this case. USAA has not only been negligent in defending me in this case but I believe their actions to be criminal. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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: IL

Complaint narrative:
The XXXX XXXX account is not mine, my ex husband and his mistress forged this account in XXXX when I found out about the account I contacted the police and XXXX XXXX XXXX XXXX and have been battling for over 3 years to get this account off me. I hired XXXX XXXX to help me and they submitted a challenge to Trans Union, XXXX and XXXX to request the contract because they will not provide to me. I have a Identity Theft case opened with the FTC reference # XXXX. I have been hitting a brick wall with trying to get this fraudulent account off me. I am asking that the credit bureaus request the actual contract. I have asked XXXX XXXX and they sent me a payment history? XXXX has removed the fraudulent account and I am asking XXXX and Trans Union to request the contract and investigate accordingly. I have opened several disputes with XXXX and Trans Union and they are not investigating, they are only going off the word of XXXX XXXX XXXX XXXX and coming back saying the account has been verified and updated. What information are you receiving to update? I would like to see the contract and my signature?

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 2022-10-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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 2022-10-21 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
. I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX  Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX Date of inquiry : 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 non-monetary relief
Consumer complaint received 2022-10-21 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: RI

Complaint narrative:
Hard inquiries need to be removed from my account. Please remove inquires on my account and reflect no inquiry on my account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Credit Karma, LLC
State: NY

Complaint narrative:
Credit Karma is suppose to help you with your credit, however they don't they tell me to sign up for loans and i don't get approved. Then my credit goes down for a hard inquiry and I don't get approved for anything after taking all my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
I called to request a refund of payments made through the covid payment pause on XX/XX/XXXX. I was told it would be sent through. 

I called on XXXX to make sure it was approved and going through, which I was told it was approved on XXXX and I should expect something from them within a 4-6 week timeframe. 

I called XX/XX/XXXX to see when my balance on the Aidvantage website would update, which I was told that my request was never actually sent to the treasury for review. So I asked what needed to be done to get my request sent, which at this point was a month past my actual, initial request and was told they would handle it. 

XX/XX/XXXX I called to see if there was any update on my refund request and I was told it was barely sent on XXXX. So I have no idea why it is being dragged out this long when I was very much depending on this money for a financial emergency. They tell me there should be some movement within the next few days to my online account. 

XX/XX/XXXX I call again because I wanted to make sure everything was going through because I have very little trust in this process anymore since it seems all of my attempts to get this refund have been stalled. The Rep tells me they will escalate my issue and put me in queue with the rest of the borrowers who put in their request at the same time as me, but then I get an email saying my request was sent on XX/XX/XXXX and it will take up to 8-12 weeks from then. 

I have been given so many different responses and I just want to be given one, true answer with what to expect if I will ever been given this refund that was requested almost two months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: OH

Complaint narrative:
FILES ATTACHED My loans are still accruing interest as of XX/XX/XXXX. Interest should be deferred and should not be accruing via the federal loan interest freeze effective through XX/XX/XXXX. 

Through XX/XX/XXXX to present my loans have been accruing interest of around {$2.00} a day. I have spoken with Mohela multiple times on the phone, and have been assured this is an error and it will be taken care of. However, I NEVER receive a call or email back from Mohela. They simply wait for me to call again and tell me the exact same thing. Nothing is being done about this issue to my knowledge and my interest continues to grow. It is currently ( at the time of this complaint ) {$980.00}. 

As you can see in the files attached, it is growing. You can also see my numerous calls to Mohela dating back to XX/XX/XXXX. Mohela has admitted to me that this is in fact a mistake. Every time I call I am assured it will be taken care of and not to worry. However, it is now late XXXX and nothing has been corrected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation