vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc.
State: NY

Complaint narrative:
1 ) I have a Direct Plus Federal student loan, but am told by my servicer, Nelnet, that it does not qualify for the interest forgiveness. I need to understand why and could not get a good answer from Nelnet, only that some older loans do not qualify for interest forgiveness under the Cares Act. 
2 ) I took the forbearance option for four months and now the loan amount has increase by {$640.00} in accumulated interest. 
3 ) Nelnet has increased my monthly payment from {$330.00} a month to {$420.00} a month starting XX/XX/2020. I am in a graduated loan payment program but this increase in payment is not due to that, and I need to understand why. 
4 ) The loan has a fixed rate of 8.5 % but if you look at the monthly interest amounts they can vary by more than {$20.00} a month and I don't understand why. 
I have discussed all of these questions with a Nelnet rep, and although she was very nice, I did not get answers to these quesitons.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22 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: GA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT, I NEVER AUTHORIZED THESE ACCOUNTS. THSES ACCOUNTS ARE HURTING MY CERDIT SCORE AND I FEEL FURTHER VICTIMIZED BY THE BUREAUS..

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 2020-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I opened a checking account with Chase bank in XX/XX/2020. Chase bank had an offer of {$300.00} if a direct deposit of {$500.00} or month was made. The direct deposit had to be set up within 45 days or something like that. I transferred my XXXX monthly retirement check over to Chase which met this requirement. The {$300.00} from Chase was declined because now they say it has to be a social security or employer paycheck. My XXXX  retirement check is from the state of Texas. It takes the place of social security.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-22 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: MD

Complaint narrative:
Upon logging into my FedLoan Servicing portal on XX/XX/XXXX, there was a statement which reads " Income-Driven Repayment ( IDR ) Expired We received your IDR request.At this point, we will notify you if your request is put on hold or if any additonal documentation is needed.At this point, we will notify you of the outcome of your IDR request. We received your application for an IDR plan 90 days ago. We needed additional information from you to fully process your request. Since it has been 3 months, your request has expired. We did not get all of the documentation to process your recertification request, therefore your payment amount may have increased. '' I did not file an application for an IDR plan exactly 90 days ago. My last IDR application was made in early XXXX and approved on XX/XX/XXXX for payments through XX/XX/XXXX. As such, my IDR plan under PAYE should still be valid. At this point in time, I intend to remain under the CARES Act/Presidential executive order COVID-related payment suspensions and while I do not intend to make payments now as a result, should the COVID-related payment suspensions end ( which is currently scheduled for XX/XX/XXXX ), I should be entitled to make payments of {$220.00} per month through XX/XX/XXXX ( instead of payments of XXXX per month as if I had no valid IDR application ). 

As such, based on the current regulations, I should be entitled to pay the following : XX/XX/XXXX - {$0.00} ( CARES Act COVID-related payment suspension ) XX/XX/XXXX - {$0.00} ( COVID-related payment suspension in accordance with Presidential Memorandum ) XX/XX/XXXX - {$0.00} ( COVID-related payment suspension in accordance with Presidential Memorandum ) XX/XX/XXXX - {$0.00} ( COVID-related payment suspension in accordance with Presidential Memorandum ) XX/XX/XXXX - {$220.00} ( if COVID-related payment suspension is not extended ) XX/XX/XXXX - {$220.00} ( if COVID-related payment suspension is not extended ) XX/XX/XXXX - {$220.00} ( if COVID-related payment suspension is not extended ) XX/XX/XXXX - {$220.00} ( if COVID-related payment suspension is not extended ) Additionally, given that I am currently on a PAYE IDR plan and the CARES Act and Presidential Memorandum currently allow for COVID-related payment suspensions to count towards PSLF, should my ECFs reflect that I continue to remain employed through XX/XX/XXXX at an eligible employer, all months between XX/XX/XXXX and XX/XX/XXXX should count towards PSLF while on COVID-related payment suspensions once my updated ECF is submitted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-22 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: Block, Inc.
State: FL

Complaint narrative:
Ive been locked out of my cashapp account with {$560.00} since XX/XX/XXXX with more than 5 email attempts at contact to unlock. I verified my account. Still no reply. I unlinked my bank account then re linked it with no success. No actions have been made by cashapp to help help my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22 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: GA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT, I NEVER AUTHORIZED THESE ACCOUNTS. THSES ACCOUNTS ARE HURTING MY CERDIT SCORE AND I FEEL FURTHER VICTIMIZED BY THE BUREAUS..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT, I NEVER AUTHORIZED THESE ACCOUNTS. THSES ACCOUNTS ARE HURTING MY CERDIT SCORE AND I FEEL FURTHER VICTIMIZED BY THE BUREAUS..

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 2020-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I separated from my wife in XXXX after finding out she was taking out lines of credit and credit cards in my name without my knowledge. We divorced in XX/XX/XXXX. At that time she was awarded the family home and I signed a quit claim deed. I Had to file Chapter XXXX I clouding her and the family home for added protection. Chase mortgage was included and surrendered collateral on home. Everything has been fine until this year in XXXX when my bankruptcy fell off my report. Then XXXX  reported this home on my report due to my ex wife being behind in loan payments. I contacted them as I and my new wife were trying to buy our own home. Sent them all this information and contacted Chase. But both companies refused to remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22 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: CA

Complaint narrative:
On XXXX XXXX the creditor XXXX XXXX XXXX the original creditor is XXXX XXXX XXXX XXXX. this account was dismiss by License California Judge court ordered Dismissal. I have given proof of the judge court ordered Dismissal to TransUnion yet they refuse to remove it off my credit report. XXXXXXXX XXXX XXXX  has been paid off since XXXX XXXX which I have provided the receipts proof of to TransUnion yet once again they refuse to remove their inaccurate information provided on this account. Transunion has reported XXXX XXXX  as a delinquent/closed account which inaccurate I provided Transunion with the proof of the paid off account yet they refuse to remove this inaccurate information off of my credit report. It has been well over 30 days and Transunion refuse to send me an updated complete copy of my credit report.

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 2020-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: MD

Complaint narrative:
A debt posted to my credit report by this company in the amount of {$750.00} XX/XX/2020. I was not aware of it. But then it became derogatory in XX/XX/2020. 
They never sent me a debt incurred letter, They never sent an invoice. And they didn't send a collection letter Upon further investigation, I realized this was a debt I disputed with the same company about a year ago. I can not understand the greed and thievery that is motivating their deceit. 
I just attempted calling, with no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22 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: CREDIT ACCEPTANCE CORPORATION
State: KY

Complaint narrative:
I am sending another complaint because this account still shows as open and states it has been charged off 37 times on my credit report. I am attaching a picture of my XXXX credit report versus my XXXX credit report. In XXXX the account was closed and held a less amount. In XXXX the charged off account shows as open with a higher amount. It is also now reporting as late payments when before it was showing an N for  negative. You are not supposed to reopen a charged off account. You also should not be showing my payments as late because I have not made a payment to you all since 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 2020-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc.
State: SD

Complaint narrative:
I closed my service with vast broadband internet back in XXXX. I told them to send me any bills in the mail if I owed anything after closing. I no longer wanted paperless bills since I disconnected. They never mailed me a paper bill or attempted to ask for the XXXX. I hooked back up services with them in XXXX before the XXXX and paid the debt of XXXX because they told me on the phone in XXXX that I owe. Then the offices of credit management lp sent me a collection letter in the mail dated XX/XX/XXXX for XXXX. I do not want this on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Dates : XX/XX/2019 Amount : {$180.00} Action Taken : ASKED FOR THE AUTHENTIC CONTRACT OR APPLICATION THAT CREATED THIS DEBT. I AM ENTITLED TO SEE THE ALL THE EVIDENCE FROM YOUR INVESTIGATION THAT INCLUDES THE AUTHENTIC CONTRACT OR APPLICATION THAT CREATED THE DEBT.

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 2020-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I was just looking at my statement from TD bank. I do have over draft and maintenance fees .Then I looked at my Social Security check deposited and it is XXXX less than my original deposit.Thank You

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/2020 I received a balance transfer from my credit card at XXXX XXXX XXXXXXXX to be deposited onto my Santander Bank checking account, then I verified the funds were there and the funds were paying for bills. I also transferred {$3000.00} onto my savings account and left it there. On XX/XX/2020 a lender institution told me that I was late on my payments and basically all the bills I had supposedly paid were rejected, the reason : my account was closed. I called my banker and he told me my account was shut down and reported for fraud. I had spent numerous hours trying to solve this issue and I did not get any answers at all from either institution. My accounts got closed for no reason and this is causing me a lot of problems financially and also with my credit. I am very very upset about this issue and I need it to be fixed asap

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 2020-08-22 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XX/XX/2019 Amount : {$2300.00} Action : I ASKED FOR THE AUTHENTIC CONTRACT OR APPLICATION THAT CREATED THIS DEBT ON 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 explanation
Consumer complaint received 2020-08-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I was impacted for the COVID19 pandemic beginning in XX/XX/2020 and was laid-off from work in XX/XX/2020, I have this documented with the state of Illinois. I contacted my creditors to ask for payment deferrals and/or forbearance which they honored with no negative impact on my score. I overlooked Capital One as a creditor and upon realizing I had late payments I contacted them in XXXX and paid my account and brought it to current status, requesting reconsideration of late payment charges and fees under the Cares Act protection. On numerous occasions I requested accommodation to not have the missed payments report negatively on my credit reports and they denied my requests stating that I do not qualify since I'm not a small business without providing any reason why I am disqualified. I have an otherwise excellent payment history and my payments were current prior to XX/XX/2020. My account was made current in XX/XX/2020 and paid in full. The negative reports of late payments is bringing my score down below a threshold to purchase a home. I feel I am protected from this negative reporting under the consumer protections of the CARES Act and feel that the negative reports should be deleted based on those protections

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-22 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: FL

Complaint narrative:
I have made several legal contacts in attempt to resolve this matter and would rather request for this fraudulent account to be removed, simply because it was not done with my knowledge or consent. I am prepared to take legal matters if this account is not removed from my credit history. No one should have to deal with such nonsense and fraudulent activity, as though this pandemic isn't enough for crying out loud!

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 2020-08-22 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
This complaint is not filed by a third party. 

Experian and XXXX  are fraudulent on my credit accounts DEPT OF EDXXXX is fraudulent on my credit Account # XXXX. XXXX XXXX XXXX is fraudulent on my Acct # XXXX. XXXX/XXXX is fraudulent on my Acct # XXXX. XXXX XXXXXXXX XXXX XXXX XXXX is fraudulent on my Acct # XXXX. XXXX is fraudulent on Acct # XXXX. 

These are fraud, I didnt benefit, apply for, and authorize these accounts.

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 2020-08-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
I have reached out to ARS and the hospital in regards to this debt in the amount of {$1100.00}. I would like to know exactly what the charge is for. So long as it is a legitimate charge, I am happy to pay it. However, I will not pay anything If I do not know what I am paying for. I have asked for months for them to provide the bill to me. I know which hospital they say the bill is from and my husband works at the XXXX. No one is able to give us information about this particular bill.

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 2020-08-22 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: CA

Complaint narrative:
XXXXXXXX XXXX XXXX has been paid off since XX/XX/2018 which I have provided the receipts proof of to Experian yet once again they refuse to remove their inaccurate information provided on this account. Experian has reported money lion as a collection account which inaccurate I provided Experian with the proof of the paid off account yet they refuse to remove this inaccurate information off of my credit report. XXXX XXXX XXXX is reported as charge off with a balance {$360.00} which is not true. XXXX XXXX is a credit union and I never got a loan from them when for I asked them to send proof of why I owe {$360.00} they never did because it is not true. XXXX is reported as a collection account {$1400.00} which 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 explanation
Consumer complaint received 2020-08-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I purchased on XX/XX/XXXX a bracelet by XXXX XXXX via Macys.com.  I used something called " Star Money '' based on a prior purchase. Unfortunately the bracelet came damaged and Macy 's refunded me the money but charged me for the Star Money in a total of XXXX ( XXXX plus tax ) and this charge is on my bill. I was sent a gift card for XXXX and Macy 's claims this is legal by govermental law per the rep I spoke to 3 days ago online. They are ripping me off XXXX cents on a tax of a gift card which was unwanted. I was hoping they would just refund my credit card and I would forfeit the Star Money. They  have refused to solve my inquiry and drop this charge of XXXX. I have a gift card for XXXX. I also get charged XXXX a month if there is nothing on my statement. I feel they should simply drop the charge on my store credit card, and forfeit the Star Money. I have tried to close this card. To date, they are leaving a XXXX balance on there I must pay as the minimum or they will charge me interest - even though all that was returned because it did not fit me correctly. In the past, they sent me a defective fold out cot and told me they would not refund it but I could keep it for 1/ 2 the price - only to brutally slash my credit card spending power by XXXX. My limit is now much less on this card. It really is aggravating. I am not sure what games they are playing but I have been quite upset. I basically have to pay this card on a nonexistent item which was returned unless I want to pay interest. The whole thing is a mess. Then I will have to wait 3 months in the mail for the check refund of an overage of my bill. Customer service is super unhelpful.

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 2020-08-22 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: FL

Complaint narrative:
I have made several legal contacts in attempt to resolve this matter and would rather request for this fraudulent account to be removed, simply because it was not done with my knowledge or consent. I am prepared to take legal matters if this account is not removed from my credit history. No one should have to deal with such nonsense and fraudulent activity, as though this pandemic isn't enough for crying out loud!

Company response to consumer: Closed with explanation