vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NE

Complaint narrative:
Nelnet has processed multiple IDR change applications to switch me to the SAVE program. With the first two attempts, they requested pay stubs for proof of income. I provided the pay stubs, not considering why they were asking, and they calculated my payment amount based on estimated gross income. I realized what they had done when I saw the payment amount was about 40 % higher than it should have been. I called Nelnet to ask why they would not use my XXXX  tax information. They claimed that the application they received from studentaid.gov noted that my income had decreased, so they required pay stubs and could not use tax returns. I reviewed the applications from studentaid.gov and confirmed the response regarding a decrease in income was clearly marked " no. '' Nelnet did process a verbal application over the phone in XXXX and estimated a payment amount appropriate to SAVE guidelines and XXXX. Now they have finally processed the application and the payment amount is again based on gross income, the same as the first application. They also placed me in administrative forbearance until XXXX, which I did not request. After more than two months of back and forth with Nelnet, I am in a worse position than I would have been had I never submitted a single application for switching to SAVE. I will spend hours more on the phone, trying to speak with someone who can assist, and there clearly is no guarantee of an appropriate outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have medical bills on my Experian XXXX XXXX over XXXX. The accounts was removed off my XXXX report. I have disputed these accounts by letter explaining to them that the accounts doesnt belong to me, I have done this multiple times with Experian & XXXX and also have called.

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 2023-10-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: NY

Complaint narrative:
Cash app terminated my cash card for no reason and wont tell me why? Cash app is P2P send and receive service so what is the point offering a debit card to use to make purchases when they terminate my card out of the blue without warning and no explanation. Cash app is payment service but they limit their service on my account and dont offer option to appeal my case. Cash app even offer to buy bitcoin and option to send bitcoin to external wallet but targeted me by making it hard to send bitcoin if they offer the option to send bitcoins out of cash app

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.

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 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Called TransUnion credit reporting company. Explain to customer rep Im not able to view my credit report online. was given XXXX case numbers. XXXX, XXXX, XXXX as of today. still not able to view my credit report online.

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 2023-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UMB FINANCIAL CORPORATION
State: PA

Complaint narrative:
In XXXX of 2022 a check that I wrote on my XXXX account for {$1100.00} and had made payable to XXXX XXXX was " washed ''. The Pay To line was replaced from XXXX XXXX to XXXX XXXX and the check for {$1100.00} was cashed and the funds taken out of my account. As soon as I realized what happened I alerted XXXX, who handle my checking account using UMB ( United Missouri Bank ). They assigned me a case number and gave me 14 days to send them supporting documentation which I did. The letter I received from them stated that the bank they use for the checking account United Missouri Bank had 120 business days to investigate. We are now long past that and neither XXXX nor UMB will assist me in resolving this matter. The last time I called my XXXX account rep ( because I do not have a UMB rep or number ) in XXXX I was told not to bother them about this. I do not know who XXXX XXXX is and you can clearly see on the check that I had the XXXX  XXXX account number written on the bottom as a reference and also you can see that my handwriting does not match XXXX XXXX ' handwriting. This is theft and or fraud and XXXX and UMB are not willing to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I paid my entire Citi Bank credit card balance of {$7000.00} via XXXX XXXX ACH transfer on XX/XX/23 to Citi Bank. I was told there would only be 24-48 hours posting time, which meant I could not us my Citi credit card because I had reached my limit of {$7000.00}. After XXXX business hours, my credit card limit was still freezing the use of my card. When I inquired about why, customer service personnel said because my {$7000.00} payment via ACH was so large, it was considered a suspicious transaction & therefore my card had a credit limit imposed for XXXX business days, even though Citi acknowledged that they had received my XXXXXXXX XXXX transfer of {$7000.00} after XXXX hours of receipt. I was trying to make another purchase of deck materials to install my new porch, but was held up by 7 days, which I felt was punitive. My credit score is XXXX, which is excellent, but I assumed to be a suspicious credit risk by Citi Bank, which any written rules or guidelines in the credit card agreement to outline their internal policy. My Citi Bank credit card was finally unfrozen on XX/XX/23 at XXXX XXXX. 
I feel that Citi Bank owes me a written apology & {$100.00} credit reward on my card for my inconvenience. I was insulted by their customer service representatives with their " suspicious transaction '' language, when they could clearly see my credit score was XXXX. 
Thanks for reviewing my complaint. 
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 2023-10-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: OH

Complaint narrative:
I work for the State of Ohio. I get paid on Wednesday for the pass year and a half. But lately Chime been holding peoples money. Today is XXXX XXXX I was supposed to got paid yesterday. But did not! Other people with different banks received their money but not us chime users. I just want my deposit. Chime and all their partner XXXX need to be held accountable. They say nothing wrong with the deposits but on social media people are complaining about not getting their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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: VA

Complaint narrative:
On XXXX I received an email that my loans were coming due at the beginning of XXXX. The notice stated I would be notified of my payment due dates and amounts. Since then I have logged into the user portal many times to check the status, documentation, statements list, and notifications. There is nothing showing how much I will need to pay monthly or what the due date will be. There is a dashboard notice that lets me know I have been placed on Administrative Forbearance for the first month of payments, with no indication of when the " first '' month is. I have called four times and been placed on hold for over 2 hours each time only to be disconnected. I have sent two emails and received an automated response both times stating they were sorry but they won't be able to get back to me. Both emails provided links to common questions, that were neither specific nor helpful. The website advises you to review loan repayment plans but only provides a range of possible repayment amounts. For example, it will say the repayment monthly cost will be {$510.00} - {$1200.00} depending on eligibility. There is nowhere to actually sign up for a payment plan and advises you to call the number. At this point, I'm not sure what to do and this service provider has a history of marking your account as delinquent ( which is reflected on your credit report ) without providing you the due dates or amounts due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have medical bills on my XXXX XXXX Transunion over XXXX. The accounts was removed off my XXXX report. I have disputed these accounts by letter explaining to them that the accounts doesnt belong to me, I have done this multiple times with XXXX XXXX Transunion and also have called.

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 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I sent a XXXX payment of XXXX to a potential new landlord. He didnt sent the lease right after and kept hanging up on my when I tried calling him back. On the XXXX  day, I reached out and told him to refund my XXXX payment. I called pnc and told them I suspect fraud on this sender. They said they would investigate. I called them XXXX days later and they said since I willingly made the payment, its nothing they can do. I called the landlord and told him I filed a XXXX report and Im filing a claim in court. He then tried to send money on XXXX separate occasions. He sent XXXX. Each time Pnc rejected the payment. The first one I called pnc about it. They said he didnt sent it and hes probably canceling it. Then I went to the branch and the customer service rep said the same thing. She said I should meet him in person and get the money. He tried sending it again and pnc blocked it. The pnc customer service rep said it was being block on his end and to have him call his bank to unblock it. The third time he sent it and it was blocked, I called pnc again. They said since I file a complaint against him the first time, they permanently blocked him. I called and told him this and he said I need to get him unlocked. Pnc never did and I never received my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: IN

Complaint narrative:
This morning, XXXX, I received notice through XXXX that I had a collection put on my credit report. Upon logging into XXXX I found an outstanding debt to XXXX XXXX and the collection agency, Transworld Systems , Inc. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX XXXX, had attached a collection to my credit report. I have never lived a day in Texas, and have no family there. This is clearly fraudulent activity. 

I have had my credit frozen for several years so it is clear this energy company is not doing their due diligence to check credit reports or they would have seen my credit is frozen and they would have known not to open utilities in the thief in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with in accordance with its particular merits. 

My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney in order to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. 

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with in accordance with its particular merits. 

My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney in order to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. 

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence.

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 2023-10-05 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.

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 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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