vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: OR

Complaint narrative:
My student loan processor, Nelnet, has provided me with incomplete and confusing information, in my opinion to intentionally mislead me into consolidating my loans even though this then disqualified me from Public Service Loan Forgiveness. 

I have been pay my loans since XXXX and have been enrolled in plans intentional so that I would qualify for public service loan forgiveness. 

As recently as yesterday I was again told by, this time XXXX XXXX,  that I do not have any direct loans and need to consolidate my loans again. As I started this process I was then informed by Nelnet that I do have direct loans and I would have qualified but that Nelnet consolidated my loans in XXXX and that restarted the clock on my PSLF. In XXXX I was enrolled in PSLF and also a payment plan that qualified and have always worked in public service for a qualified employer. So I asked the Nelnet worker why would anyone consolidate their loans if they are working towards PSLF. The worker reported there is no reason to have consolidated, that is does not reduce your payments and there is literally no benefit to doing this. He said many many people do consolidate and he does not know why anyone would. 

Why if there is no benefit to consolidating federal student loans other that setting back the clock on the PSLF, which is only a benefit to the loan processor are these companies allowed to mislead their consumers into consolidation. 

Again I was told I had to consolidate to qualify for PSLF, this was not true and instead it set back the clock for PSLF by 8 years. 

I believe these loan servicers are intentionally misleading consumers into these consolidations. The numbers of people that have consolidated even though, by their own admission there is literally no benefit to this is proof of this. 

Please look at the number of people that have been mislead into consolidating their student loans by predatory practices as this causes a huge amount of debt to many students, public servants and probably is responsible for great increases in the national student debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I received a payment on my cash app last Monday in the amount of {$6700.00} so when I went to check to see if the amount of the money was available cuz I got email that amount was available but I wanted to check it to verify when I log into my cash app I was met with a message of me needing to verify my identity so I followed the choices and they gave me to verify my identity cash app has a huge problem with scanning the back of people 's state ID or driver 's license it does a great job scanning the front but nevertheless they gave me the choice to scan my driver 's license or scan the debit card that was linked to my account so I chose to verify with the debit card that was linked to my account once I did that I waited the very next day I got a notification saying that they were unable to verify my identification so I went on to the app she do it again but it did not give me that choice so I went to the settings to see what I could do so I verify my identity and I was met with a notification that my account has been closed with my money still in it so then I proceeded to see if I could use the cash card that came with the account to take my money out I was not able to use that because they deactivated the car so now I've been trying for almost two weeks now to figure out how to get the money out of the account I have sent them emails and all I get back is the same exact email response that they have been trying to contact me for a week which is not true so they decided to close the case so now my money is stuck inside of cash that they do not have a customer service number that you can call speak to a live person check that their customer service line is fully automated and it does not give you the options on how so it can help you get your money back refunded

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Credit reporting, credit repair services, 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I received a credit alert through credit wise starting that my score dropped -50 points due to a {$47000.00} increase in Dept. 
When I reviewed my and report there were know new dept reported. My mortgages had been paid on time so they decrease. The only increase was in credit card and it was less than {$3000.00}. 
When I added all my Dept, it has been between 165k and 167k for the last several month. The report stated that it had risen from 119k to 167k on XX/XX/XXXX. After speaking with XXXX from XXXX XXXX, he says that they must have reported score incorrectly in the past. 
This sounds like a bias move that the credit bureau has made to lower my score which in turns puts me in a less desirable category for favorable credit, interest And insurance prices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have no knowledge of this account ending in XXXX that shows up 5/6 times on my credit reports.

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 2020-09-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have no knowledge of this account ending in XXXX that shows up 5/6 times on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have no knowledge of this account ending in XXXX that shows up 5/6 times on my credit reports.

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 2020-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: OK

Complaint narrative:
In the process of looking for a mortgage, I was contacted by XXXX XXXX XXXX from quicken loans. We discussed our loan options but he was unable to provide an immediate loan estimate or good faith estimate of fees, at which time he requested we upload our signed purchase contract. He used this information to contact my Realtor XXXX XXXX, which I did not agree to, as well as sending our information to his loan officer as if we had agreed to proceed, which we did not. We feel harassed by his repeated callings and are afraid our personal identifiable information may be  leaked by this person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Looking to remove PMI after my LTV hit 78 %. Company is telling me I need appraisal or I can wait till XX/XX/2021 and then PMI will come off automatically. The company does not explain why they wont remove PMI prior to the original date even though I have never defaulted on any payments and they are completely up to date. I also verified the LTV is at 78 %. I spoke with Wells Fargo and they refuse basically because they want more money. I do not understand the need for the appraisal if the PMI will be removed come XXXX without having one. I am being penalized for paying on time and early. The homeowners protection act states the lenders are to remove PMI once the LTV has reached 78 %. I am not at the 80 % that would be the minimum to request PMI removal. Also during the call I mentioned placing a complaint and the agent told me they did not care and the company will deal with it when it comes through. The customer service is atrocious as I was told I would be contact by end of business and never was.

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 2020-09-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
The debt is 7 years old they keep reporting that account to the credit bureu.

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 2020-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I originally sought my home loan from XXXX XXXX XXXX, eventually the billing was assign to Freedom Mortgage and have no problem, however a Total Fees & Charges appeared XX/XX/XXXX Mortgage Statement. When I called via cellphone my explanation was pass from one customer service to another. I wrote a letter XX/XX/XXXX asking explanation why I was being charge for {$30.00} Fees. Instead I received a photo copy of Transmittal Sheet of Payoff Request and Borrower ' Certification & Authorization which has nothing to to do with my complaint. Again on XX/XX/XXXX I wrote a letter and including " A. Settlement Statement ( HUD-1 ) " Im obligated to pay only what is stated on this loan and not receive any response at this point of time.

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 2020-09-03 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: Self Financial Inc.
State: TN

Complaint narrative:
My credit report shows that my payment status with XXXX XXXX XXXX is 60 days due on from a past payment. Yet my payment history does not reflect any of this, it only shows one 30 day late payment, in XX/XX/2017, on only one credit bureau. I have not been late on this account, I called the XXXX XXXX in XX/XX/2017 to have remedy the payment from being late and was accommodated. I have been unsuccessful in reaching out to XXXX XXXX regarding this matter as this loan product was under a different name of Self Lender and has since been sold and rebranded. All communication efforts have been unsuccessful, even through validation and dispute processes with the three major credit bureaus.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX.-XXXX | Date of Inquiry : XX/XX/XXXX Dispute this XXXX XXXX XXXX | Date of Inquiry : XX/XX/XXXX not mine XXXX, XXXX, XXXX XXXX XXXX XXXX & XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX all not my inquires

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: eCon Credit LP
State: FL

Complaint narrative:
Incorrect amount of XXXX dollars is being requested for payment as noted by XXXX  for fee amount and incorrect balance amount is being displayed. The correct amount for payment is {$30.00}, Nationwide Acceptance corp. is supplying incorrect data to XXXX  reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
When I received my credit report for a mortgage refinance on XXXX XXXX, XXXX from TransUnion, XXXX  and XXXX  I saw that my credit score, which used to be in the high 700s, was reduced to XXXX. The reason for this was listed as an issue on my XXXX XXXX. Line of credit account from XXXX XXXX which was charged-off in XX/XX/XXXX. I disputed this with all three credit rating agencies, and requested statements for the time period from XXXX. I have attached the result of my dispute with XXXX  ( Confirmation # XXXX XXXX. As can be seen, the amount of the charge-off is listed as {$0.00}, and when I spoke with them by phone on XXXX XXXX, XXXX regarding the result I was told that the amount of the charge-off did not matter. 

From my XXXX statements I have found that this issue is related to the {$0.00} interest levied on a {$100.00} overdraft loan on XXXX XXXX, XXXX. I paid off the overdraft on the very next day, XXXX XXXX, XXXX, unaware that interest of {$0.00} would be applied on XXXX XXXX, XXXX ( as seen in the attached section of the statement from XXXX-XX/XX/XXXX ). This is the only amount that still shows up on each statement until XXXX.-XX/XX/XXXX ( attached statement ). The statement for XXXX-XX/XX/XXXX shows no activity in this line of credit account. I was not aware of this {$0.00} charge, XXXX never contacted me to pay it off, nor notified me that it would be charged-off, probably since the amount was too small to be worth their time. During this entire period I had more than enough money to cover {$0.00}, but XXXX did not charge this amount to any of my other linked accounts the way they typically charge their fees. Additionally, XXXX continues to offer me the same line of credit ( {$3500.00} ), so the charge-off of {$0.00} has apparently not affected my credit with the bank.

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 2020-09-03 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
When I received my credit report for a mortgage refinance on XXXX XXXX, XXXX from XXXX, XXXX and Experian I saw that my credit score, which used to be in the high 700s, was reduced to XXXX. The reason for this was listed as an issue on my XXXX XXXX. Line of credit account from XXXX XXXX which was charged-off in XX/XX/XXXX. I disputed this with all three credit rating agencies, and requested statements for the time period from XXXX. I have attached the result of my dispute with XXXX  ( Confirmation # XXXX ). As can be seen, the amount of the charge-off is listed as {$0.00}, and when I spoke with them by phone on XXXX XXXX, XXXX regarding the result I was told that the amount of the charge-off did not matter. 

From my XXXX statements I have found that this issue is related to the {$0.00} interest levied on a {$100.00} overdraft loan on XXXX XXXX, XXXX. I paid off the overdraft on the very next day, XXXX XXXX, XXXX, unaware that interest of {$0.00} would be applied on XXXX XXXX, XXXX ( as seen in the attached section of the statement from XXXX-XX/XX/XXXX ). This is the only amount that still shows up on each statement until XXXX-XX/XX/XXXX ( attached statement ). The statement for XXXX.-XX/XX/XXXX shows no activity in this line of credit account. I was not aware of this {$0.00} charge, XXXX never contacted me to pay it off, nor notified me that it would be charged-off, probably since the amount was too small to be worth their time. During this entire period I had more than enough money to cover {$0.00}, but XXXX did not charge this amount to any of my other linked accounts the way they typically charge their fees. Additionally, XXXX continues to offer me the same line of credit ( {$3500.00} ), so the charge-off of {$0.00} has apparently not affected my credit with the bank.

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 2020-09-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I went to XXXX XXXX to buy a sectional. I was about to purchase the one I liked and the sales man told me they're running a special 0 % loan. He assured me there was no financing fee, no interest, and no catch. I signed a credit check form and next thing I know the couch was ordered. Two weeks later I got a letter in the mail with a XXXX XXXX credit card! The sales rep didn't mention anything like this. He told me it was a loan. I called up their store and they hung up on me when I told them I wanted to speak to a manager.

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 2020-09-03 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: ME

Complaint narrative:
On XX/XX/2020 I attempted to withdraw {$500.00} from my US Bank XXXX in which my child support is loaded onto. The ATM at XXXX XXXX  in XXXX misdispensed and did not give me the {$500.00}. I contacted XXXX to inform them of the error and they confirmed the money was taking from my account and they would need to open a dispute. I contacted XXXX XXXX  after and they said they could not provide me the information and to call XXXX. I contacted XXXX again around the first week of XXXX and they informed me that after 10 business days if they have not completed the investigation they would apply a {$500.00} provisional credit. On XX/XX/2020 I received the provisional credit on my card and used the funds. On XX/XX/2020 XXXX  took the {$500.00} provisional credit back and stated in their investigation did not go in my favor and to call XXXX XXXX. I have now spoke with XXXX XXXX  and its manager who all have confirmed it was an ATM misdispense and they sent the money back to US Bank XXXX with a claim number of XXXX. XXXX   continues to open disputes and close them saying the same results that it did not come in my favor and there was no ATM error. I have verification from the bank in writing showing proof the sent the money to XXXX. I have the letter still. Please call me 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 2020-09-03 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: CA

Complaint narrative:
I am enrolled in Public Service Loan Forgiveness ( PSLF ), and I have been making on-time payments since around XX/XX/XXXX when I enrolled into a qualifying income based repayment plan. Since XX/XX/XXXX I have worked, full-time, for qualifying institutions for PSLF, except for a minor period of time in XXXX. 

1 ) XXXX XXXX : XX/XX/XXXX - XX/XX/XXXX [ 24 months ] 2 ) 501 ( c ) ( 3 ) - XXXX XXXX XXXX : XX/XX/XXXX - XX/XX/XXXX [ 16 months ] 3 ) 501 ( c ) ( 3 ) - XXXX XXXX XXXX : XX/XX/XXXX, XXXX XXXX, XXXX -- [ 32 months ] 4 ) 501 ( c ) ( 3 ) - XXXX XXXXXXXX XXXX XXXX : XX/XX/XXXX, XXXX-Present [ 12 months ] I have worked for qualifying institutions for a total of 84 ( 24+16+32+12 ) months as of today, XX/XX/XXXX. I have been making on-time payments since around XX/XX/XXXX when I enrolled into a qualifying income-based repayment plan. I have recertified my payment plan each year on time. 

However, for some unclear reason, the US Dept of Education made my loans go into an improper and unrequested administrative forbearance in and around the winter of XXXX, for payment months XX/XX/XXXX and XX/XX/XXXX ( statement attached ). I have requested a formal review by a supervisor at the US Dept of Education twice and filed a CFPB complaint ( attached ) in XX/XX/XXXX, and the issue of the improper forbearance my loan servicer ( XXXX ) put my loans in is still not resolved ( please see attached PDF of FedLoan Servicing stating the months of XX/XX/XXXX and XX/XX/XXXX are non-qualifying because of an administrative forebarance ). 

Please note during the time they placed me into an unrequested and unauthorized administrative forbearance my payment amount was {$0.00} ( XXXX ) because my income was extremely low, specifically because I was serving as an XXXX XXXX. This position 's salary was set by the federal government of the United State 's agency, the Corporation for National and Community Service. Therefore, my payment amount of {$0.00} in XX/XX/XXXX and XX/XX/XXXX should qualify and would qualify for PSLF 's 120 payments if not for the improper handling of the loan servicer at issue, XXXX. 

Thank you for your time and kind attention. Please help resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
its been more than 30 days since I asked Experian to show me proof that the fraudulent account was mine, I asked for real original signature of mine that I signed to agree that debt was mine and I also asked to validate the debt. And all they send back to me is just my credit report and statements of the accounts. They were never able to prove to me that XXXX XXXX/XXXX XXXX account belongs to me.

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