vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-02 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: MN

Complaint narrative:
On Tuesday XX/XX/2021 I received a text message at XXXX CST that informed me my balance was - {$0.00} as of XXXX CST. At XXXX CST I deposited {$2.00} in my account and the Available Balance on the receipt showed {$1.00}. 

At XXXX Wednesday XX/XX/2021 I received another text at XXXX CST telling me my balance was - {$7.00} as of XXXX CST. At appox. XXXX CST last night I went to deposit {$10.00} in the ATM to cover it and it showed a - {$42.00} balance. I logged on, and online banking showed it was for {$9.00} XXXX XXXX transaction initiated on XX/XX/2021. That's when I know this was a stacked transaction and I would report it to the CFPB. 

It was not revealed-it was stacked instead to incur the fee, that I would have to then pay. Please have the FULL {$35.00} credited back to my checking 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 2021-09-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Business Bureau
State: IL

Complaint narrative:
I was not notified of this debit - It just appeared on my credit report. 
Secondly, after further research this medical debit was not handled properly. The Bill is for XXXX I received in a XXXX XXXX, XXXX  procedure. The original Creditor XXXX XXXX XXXX XXXX failed to contact me in regards to my debit. They also failed to file a claim with my medical insurance carrier -XXXX XXXX XXXX XXXX properly XXXX I have contact my Medical Insurance Carrier XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX and they informed me that the claim was not submitted correctly. I contacted Medical Business Burea and XXXX XXXX and with all my phone calls they are still unwilling to resubmit the claim through the correct agency. I dont think it was fair that both parties did not properly due there due diligence before just adding this to my credit report. Which has cost my XXXX points. 

My insurance info : ID # XXXX Group # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX The claim can be submitted by called XXXX using # XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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: IL

Complaint narrative:
My first issue is the the representative whom I spoke with to secure the loan misrepresented the insurance product that they offered. He explained to me that in the event of loss of employment the insurance would pay off my loan for me. Well that did not happen unfortunately I was laid off XXXX XXXX and this insurance product that the XXXX representative sold me on did not pay off my loan. I am requesting that the insurance product they are selling be investigate and properly marketed to consumers with the correct information ... ... ..The insurance will only pay for 3 payments in the event of lose of employment. I am asking they my pay my loan in full as this is how it was advertised to me when sold. 
My second issue is that the insurance company paid XXXX XXXX for my XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Payment however XXXX is reporting these as late payments on my credit report. I would like to these late payments immediately removed from my credit report. I have attached the information and emails from the insurance company stating they made the payments directly to XXXX XXXX so why are they reporting them as late payment. 

Sincerely 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 2021-09-02 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: IL

Complaint narrative:
My first issue is the the representative whom I spoke with to secure the loan misrepresented the insurance product that they offered. He explained to me that in the event of loss of employment the insurance would pay off my loan for me. Well that did not happen unfortunately I was laid off XXXX XXXX and this insurance product that the XXXX representative sold me on did not pay off my loan. I am requesting that the insurance product they are selling be investigate and properly marketed to consumers with the correct information ... ... ..The insurance will only pay for 3 payments in the event of lose of employment. I am asking they my pay my loan in full as this is how it was advertised to me when sold. 
My second issue is that the insurance company paid XXXX XXXX for my XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Payment however XXXX is reporting these as late payments on my credit report. I would like to these late payments immediately removed from my credit report. I have attached the information and emails from the insurance company stating they made the payments directly to XXXX XXXX so why are they reporting them as late payment. 

Sincerely 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 2021-09-02 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:
I sent a dispute letter Experian on XX/XX/2021 in regards to them reporting medical information on my credit report which violates my right to privacy as a Consumer and I still havent received a response yet as to if there is an investigation in progress, please fix this immediately.

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 2021-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I wrote a check to someone to haul off some brush. I did not personally know this person, found him through an online service. I wrote the check on XX/XX/21 and it cleared my bank on XX/XX/21. That person deposited the check electronically in his credit union, XXXX XXXX XXXX. In XXXX, he took the paper check to Ace Cash Express and cashed it again. My credit union rejected the second attempt to cash the check. Ace Cash Express sent me a letter on XX/XX/21 and is now holding me responsible for the fraud committed by the person who cashed the check twice. They have flagged my checking account through their check cashing processor and said that I have committed fraud and have to pay the amount of the check plus fees to remove the flag from my account. I have proof that the check cleared my account on XX/XX/21. Ace Cash Express says ... .too bad ... pay it or youre screwed until you do! 
The person I wrote the check to did not indicate on the back of the check that it was deposited electronically and yet his credit union accepted it and sent it on to my credit union, he then cashed the paper check at Ace Cash Express. If Ace Cash Express wants to recoup their money, they should be harassing the credit unions involved. I am the only innocent bystander in this scenario and Im the one with my life being screwed up! 
Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
i have repeatedly disputed for removal of 2 civil child support case 's from XXXX  off my credit profile and experian refuses to removal. 
date : XXXX XXXX XXXX amounts XXXX and XXXX I sent in updated court document from clerks office of payment history the bureaus ignored it

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 2021-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Group and Associates LLC first attempted to call my wife, using a blocked number. They then called me, also blocked number, regarding a debt that I have no recollection of for a large sum of money. The debt is supposedly from XXXX, a company I currently hold a card with, from 2016 ( outside of Texas statute of limitations, regardless of the fact its not mine ) Caller had multiple pieces of personal information, including my address, which he emphasized several times. He threatened to sue multiple times and declined to provide written proof of the debt, as they had already sent it. I have received nothing from this company.

Call was terminated when called advised I was going to be served. 

I immediately called XXXX who advised they have no records of any debt owed to them or correspondence with this collection agency

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: OR

Complaint narrative:
As of XXXX XXXX began overpaying/underpaying accounts allowing some to go delinquent then they sent me to collections. It took a month for XXXX to retroactively allocate funds to underpaid accounts and fix my credit. In XXXX, I pre-paid XXXX and XXXX yet received a letter seeking more money for XXXX. I spoke with them and they claimed that someone turned off prepayment in XXXX and would fix it. A week later I saw my account was asking for more money to cover XXXX. At that point I realized that they were not capable of resolving the issue. 

I filed a XXXX  claim and have been back and forth with XXXX. I shared XXXX  complaint and responses with loan and banking professionals. They concur that XXXX made a series of errors and the responses do not reflect an understanding of the problem or resolution. In plain terms, they said XXXX doesn't know what it's talking about or has decided it would rather I make another overpayment to fix their mistake and go away. I do not want to make multiple payments for the same month because XXXX overpaid XXXX account at other accounts ' expense. XXXX needs to learn how to do its job. 

XXXX needs to go back and redistribute my monthly payment to cover all of my individual accounts so that they are current. Doing so will show that I do not owe any money for the month of XXXX. Failure to do so is evidence that XXXX is incapable of doing what it is paid to do, which is manage student loan payments. 

In short, XXXX 's only reasonable response to my complaint is to do what it is paid to do, which is take a monthly payment that meets or exceeds the minimum requirement on the statement and ensure all accounts are up to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: Global Lending Services LLC
State: CA

Complaint narrative:
My credit has been pulled fraudulently. Please remove inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
Someone I do not know hacked my computer and made fraudulent charges on my account that was made on XX/XX/2019.

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 2021-09-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: MA

Complaint narrative:
Original notice was given on XX/XX/2021 from Hunter Warfield regarding intent to collect on debt. 

A certified letter was sent on XX/XX/2021 to Hunter Warfield disputing the collection attempt and requesting further verification of the described debt pursuant to 808b of the Fair Debt Collection Practices Act. Return receipt indicates this letter was received on XX/XX/2021. 

From initial communication onwards there was no communication from Hunter Warfield regarding the debt or request to verify the debt. 

On XX/XX/2021 a notification was sent from XXXX  regarding a collections account reflecting on my credit report. In clear violation of the dispute process outlined in 808b, Hunter Warfield reported said debt to XXXX  and caused significant harm to my credit without providing the proper requested verification.

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 2021-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am a victim of identity theft. Someone I do not know hacked my computer and made this fraudulent charge amounting to {$17000.00} and was made on XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: EQUIFAX, INC.
State: IN

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax XXXXata Breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Hello recently I tried to ask many times to Paypal sort out my issue, but they can't. And also they close my case. Please help me to sort out my case. Thanks. My case id was - Not as described - claim case CLOSED Case ID : XXXX Here is my original message to Paypal - Paypal, I need to sort out the case. I already told you this product is not new and already send you a video of the website. If you can't resolve it I need to file a case against the company. Because the phone is already used and broken. I attached the phone box and the phone images. Also, ask the seller about it. Also, you can see I already buy this product on XXXX XX/XX/2021. And I check on XXXX for my product serial number ( XXXX ) for repair by the XXXX official repair page ( XXXX XXXX XXXX ) they show me my expiration date is for recovery on XXXX XX/XX/2021 but how can it's possible? If I got a new phone I minimum got a legit warranty. Please consider my case and please ask the XXXX, my order number is Order # : XXXX. Thanks a lot. If you can't resolve the matter maybe I can complain about the support of PayPal to the Consumer Financial Protection Bureau. Thanks again. Here is the video - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thanks!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXX XXXXXXXX XXXX XXXXXXXX XXXX first attempted to call my wife, using a blocked number. They then called me, also blocked number, regarding a debt that I have no recollection of for a large sum of money. The debt is supposedly from Citibank, a company I currently hold a card with, from 2016 ( outside of Texas statute of limitations, regardless of the fact its not mine ) Caller had multiple pieces of personal information, including my address, which he emphasized several times. He threatened to sue multiple times and declined to provide written proof of the debt, as they had already sent it. I have received nothing from this company. 

Call was terminated when called advised I was going to be served. 

I immediately called Citibank who advised they have no records of any debt owed to them or correspondence with this collection agency

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 2021-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: LA

Complaint narrative:
On XX/XX/XXXX I wrote a letter to the company requesting validation that bear my signature showing that the debt that the company is report on my credit report belong to me. I have not yet receive any communication from the company. The amount that the company claims is XXXX for XX/XX/XXXX. I didn't have an account nor did I open an account in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
My EDD BOA PREPAID DEBIT CARD WAS CLOSED for no reason since XX/XX/21 and my benefit funds was still deposited into it .. I need help to get this unlock it getting my hopeless I called boa and was told to called edd which I did and they told me they sent form to boa .and nothing yet boa told they havent gotten any or my other option is To go into their branch to show them 2 identities form. I need my card unlock ASAP I have lots of bills to pay it going 2 months now I have a balance of XXXX $ plus on it and my recent benefit that was also paid .. they locked it for no reason. My last deposit was {$1500.00} on XXXX while it still locked XXXX countless times I have called Edd and nothing wrong with my profile. BOA KILLING ME IT ALMOST 2 months

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 2021-09-03 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
The Department Of Education along with Experian have falsely reported on XX/XX/XXXX on 3 separate accounts as current collections as of XX/XX/XXXX. This information is completely incorrect and inaccurate as these accounts were opened on XX/XX/XXXX, went into default in XX/XX/XXXX, were paid in full before collection and are almost 7 years old. This new information as Experian is calling it dropped my score 62 points! This is an outrage and completely unacceptable. Considering that a creditor reporting false or inaccurate information on a credit report is illegal I need all 3 of their trade lines permanently removed from all 3 credit bureaus effective immediately. I am consulting with my lawyer on damages on this matter pending removal.

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 2021-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: RI

Complaint narrative:
Midland funding XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX Has been sending me collection notices in the amount of XXXX dollars the collection has been reported as paste due to a balance. I do not know this company i hace never done any business with this company. The company dies not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: Exeter Finance, LLC.
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all XXXX credit reporting agencies : 1. Identity Theft EXETER FIN Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation