vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citibank N. A. located at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SD XXXX, issuer of the Citi XXXX XXXX AAdvantage card is purposefully and knowingly applying extra payments in excess of the required minimum payment to balances with lower interest rates instead of higher rates. The Credit Card XXXX of XXXX prohibits this practice. I have called numerous times and the customer service reps admit that the excess payments are being applied incorrectl but no resolution when request for pyaments to be applied appropriately are escalated. 

I received a notice from Citibank on XX/XX/XXXX that states " payments amounts greater than minimum due are applied to balances with higher APRs before balances with lower rates '' however, they are not doing so. they are purposely, knowingly cheating their customers and unlawfully making millions. 

Citi bank has been incorrectly applying extra payments ( not counting minimum payment ) since XX/XX/XXXX to date on my account ending in XXXX : XXXX {$1000.00} XXXX {$300.00} XXXX {$2400.00} XXXX {$600.00} XXXX {$300.00} XXXX {$930.00} XXXX {$1000.00} XXXX {$1000.00} XXXX {$1300.00}. 

Since XX/XX/XXXX, my balances and interest charges have been inaccurate. I need your help since my attempts to resolve it myself have been unsuccessful. 

Thanks, 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 2023-09-25 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: NV

Complaint narrative:
My issue is that the credit bureaus must report accurate information consistent with the Fair Credit Reporting Act. I recently received two credit alerts ( on XXXX & XXXX respectively ) that XXXX dropped my credit score by XXXX points XXXX Transunion dropped my score by a whopping XXXX points, with no explanation provided. I've done nothing wrong. Didn't miss a payment. The credit bureaus should not be reporting negative score information as I am in good standing with all of my creditors & 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 2023-09-25 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
I purchased an amex giftcard with the amount of {$30.00} on it. When I went to use it, it would not work anywhere online. I tried it on XXXXXXXX XXXX XXXX XXXXXXXX and it did not work. It keeps telling me " authorization failed ''. I made sure that my total was under {$30.00} so I know its not about insuffiecient fees. I did some research online and found out so many people have had this problem on trustpilot. This is a disgusting company that is so obviously a scam. I have provided multiple attachments as proof. This is XXXX. If I do not receive a refund, I will have to take legal action to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 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: DC

Complaint narrative:
On XX/XX/2023 I submitted a payment for all eight ( 8 ) loan groups as part of my account totaling XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of the payments have been processed except for loan group AD. This payment is shown on the confirmation email that I received from Nelnet on XX/XX/2023. This amount was deducted from my bank account on XX/XX/2023, but has not been deducted from my student loans which are continuing to accrue interest daily on an incorrect amount. This is the second month in a row Nelnet has made this same mistake. It is impossible to contact the company without spending 2+ hours on the phone on hold. 

I expect immediate resolution from Nelnet, as well as a guarantee that this will not continue to happen on a monthly basis for the duration of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information 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 non-monetary relief
Consumer complaint received 2023-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 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: EdFinancial Services
State: UT

Complaint narrative:
I submitted an income driven repayment plan and a loan consolidation plan through studentaid.gov in XXXX. EdFinancial processed the consolidation part quickly but will not respond about my Income driven repayment plan form. I downloaded a copy and submitted it directly to EdFinancial but still no response. With payments due to resume I would like an my plan to be processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 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: EQUIFAX, INC.
State: NV

Complaint narrative:
My issue is that the credit bureaus must report accurate information consistent with the Fair Credit Reporting Act. I recently received XXXX credit alerts ( on XXXX & XXXX respectively ) that Equifax dropped my credit score by XXXX points & XXXX dropped my score by a whopping XXXX points, with no explanation provided. I've done nothing wrong. Didn't miss a payment. The credit bureaus should not be reporting negative score information as I am in good standing with all of my creditors & accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Collection Systems, Inc.
State: AR

Complaint narrative:
National Credit Management sent a letter dated XX/XX/23 claiming to be from the XXXX XXXX XXXX to collect a debt for my XXXX XXXX XXXX son within 14 days or it would go to collections. The letter was not received until XX/XX/23. I called the university and spoke with the lady that handles the billing and was told that she didnt send any such letter and that she signs her name on billing statements and includes official letterheadboth of which were missing from the letter I received. I made a payment directly to the university after hanging up. I immediately got a call from NCM for my son. I explained to them that he was XXXX and that they needed to tell me why they were calling. They refused and did not identify themselves until I told them that if I was filing a complaint for fraudulent tactics to collect on a debt. Then the representative became more forthcoming. She however claimed NCM worked for the university instead of identifying herself as a debt collector from a private company. She asked me to confirm his birthday. She said that she was calling for the correct person but didnt know he was a minor despite having his birthday in front of her. Several minutes went by before she told me it was an attempt to collect a debt to which I told her that I had a payment plan in place with the university and that Id made my final payment.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 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: MOHELA
State: MD

Complaint narrative:
I am a loan borrower on track to have my loans forgiven under PSLF. As encouraged by the federal government, I submitted a request to have my Income-Based Repayment plan moved to the REPAYE ( prior to SAVE ) payment plan on XX/XX/2023, but heard back from Mohela via email on XX/XX/2023, that moving to REPAYE plan would increase my monthly payments, so they took no action. I resubmitted a request to have my payment plan moved to SAVE on XX/XX/2023, but have now received a notice from Mohela on XX/XX/2023, that my account has been placed on administrative forbearance until XX/XX/2023, while they process the request. This will add two additional months ( with interest accruing ) until I am eligible to receive PSLF, because while I currently have 105 eligible payments, the forbearance will now eliminate three would-be eligible payments I would have made in XX/XX/2023, XX/XX/2023, and XX/XX/2023, that would have counted towards PSLF, thereby achieving 120 payments sooner. I have followed all instructions and abided by all deadlines, and do not feel I should be penalized because Mohela is not able to process the traffic of payments and requests at this time. Attempting to call Mohela several times, I have been on hold for countless hours with no reply. There is absolutely no accountability for what, as far as we know, could be an intentional delay to increase my interest and overall payout that Mohela will receive when I finally qualify for PSLF.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: UT

Complaint narrative:
They charged 11 overdraft fees in a matter of days. I have gone into my local branch to request overdraft protection be removed from my account. The teller said it was done but apparently it was not done. Somehow this is my fault? They have record of it being removed from my personal account but not the business account even though the teller at the time assured me that it was removed from my business and personal account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-25 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: MA

Complaint narrative:
XXXX XX/XX/XXXXXXXX  I submitted a payment for {$1500.00} to Nelnet for my XXXX payment of {$9100.00} -On XX/XX/XXXX, {$1500.00} was taken out of my bank account and routed to " XXXX XXXX DEPT  EDUCATION XXXX ''. 

-On XX/XX/XXXX I received an email from Nelnet that explained " your payment will not show as a regular payment in your Nelnet.com account. Because you made the payment within 120 days of the disbursement date ( when the loan money was sent to your school ), we will backdate your payment and apply it to your account effective on the date your loan was disbursed. '' -I immediately logged onto Nelnet.com to see this reflected correctly. 
-Later on XX/XX/XXXX, I logged onto Nelnet.com to instead see the {$1500.00} balance added back to my loan. This was with no notification or mention of any kind. My account has been accruing interest on the incorrect balance since. 

-On XX/XX/XXXX I called Nelnet , spoke to an associate ( no name given ) who stated Nelnet never received my payment and the bank didnt give them the money. 
-Upon request, I then spoke to a supervisor named XXXX ( no last name provided upon request ). XXXX stated there have been errors with larger payments not being applied correctly. He assured me this will be corrected within 4-6 days. He stated perhaps closer to 6 days due to recent call influx. He also stated the interest being accumulated daily would be retroactively corrected. He was unable to provide me with any written information or otherwise as of what had happened to my {$1500.00}. 

-As of today, XX/XX/XXXX, Nelnet has not given me any indication as of what has happened to my money. I have been unable to follow-up again directly due to long hold times. This includes being on hold for 2+ hrs until closing on multiple days. 

I have screenshots, bank statements, and can provide additional information upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 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: SUNRISE CREDIT SERVICES, INC
State: OR

Complaint narrative:
Company claimed I owed them for a cable debt and that I was reporting living in New York. I told them I was not they requested I send my copies of personal information and felt very much like a scam. I told them they needed to prove my identity for opening they hung up. Recently they put a collection for XXXX and a XXXX account. I have filed a police report 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 2023-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/XXXX  my ex-husband walked into 5/3rd bank and cleaned out my daughters checking account and closed it out. There is a XXXX XXXX XXXX against him as he continues to harass my family and I. Please note that this account was open with our name on it when she was a XXXX. I still had access to the account online, but we were unaware he was on the account at all. My daughter who is now XXXX has been the sole person depositing and withdrawing on this account. That being said 5/3rd bank on XXXX XXXX in XXXX Illinois did not even question him as never withdrawing from this account. They never reached out to the main account holder, and they let him steal close to {$4000.00}. I went in the bank to ask for documentation to take to the police department. XXXX was rude and told me to go online and get the documents. I said that my account was closed, and I had no access to the documents anymore. He basically told me to leave. I talked with the branch manager XXXX a few days later. She told me she does not care. I can take my accounts elsewhere and if I want documents, I should have my lawyer subpoena them. With so much fraud, I want a bank that looks out for their customer. Is it even legal to close out a joint account without approval from all those on the account?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
There were multiple fraud charges made on this account that was reported in time to Kohl 's Fraud team. They removed the charges, issued a new card. Then the charges came back to my account with no explanation on the resolution. I contacted them, they took the charges off temporarily, then months later they put them back on. This process went of for over a year and a half with no explanation on what they found. I finally was able to get a hold of someone, they stated why they state the charges where mine because they where shipped to my house. They never once told me that from the first fraud claim, so I could research this more. They just pushed it out so I couldn't retrieve any information from XXXX or whoever shipped the products to get proof of delivery. 

I never made or authorized these charges and want them removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: NV

Complaint narrative:
Nelnet is my student loan servicer. 

I have attempted several times to resolve inaccurate / incorrect information being reported. Nelnet has been charging interest on my student loans during COVID ( XXXX ). After speaking with the Department of Education today, I was informed by the representative that this is in fact true. I believe that I was supposed to be at XXXX percent ( 0 % ) during COVID, and I understand that this has ended XX/XX/XXXX. Additionally, I am a participant in the Sweet v. Cardona settlement. My Borrower Defense Application # : XXXX has been approved ( see attached email ). I understand that at the time of the Borrower Defense process, that interest would continue to accrue ; however, COVID happened, and the interest should have stopped accruing on my loans during this time ( XXXX XXXX ). This is not the case. My balances on my loans continued to increase monthly ( see attached consumer reports ). I believe that Nelnet has engaged in " Unfair or Deceptive Acts or Practices '' charging me interest on my loans when Nelnet was not suppose to do so during the time of COVID, causing the balance to increase AND causing my credit utilization to increase astronomically, thus negatively affecting my credit. Additionally, I have filed a Feedback complaint ( case # XXXX ) with the Department of Education on XX/XX/XXXX, in addition to this complaint with the CFPB today.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Account # XXXX valid XX/XX/XXXX Phone # XXXX I mailed a dispute to Experian regarding late payments to XXXX XXXX  Credit Card on XX/XX/XXXX they received on XX/XX/XXXX. I received the results of dispute on XX/XX/XXXX. The date is currently XX/XX/XXXX and there is still no Notice of Dispute on my Experian Report which is a violation of FCRA section XXXX. The fine of {$1000.00} per occurence. Please have the 30 day late payment from my credit report and fine Experian, for blatantly disregarding the FCRA laws. I spoke to the credit card company and they stated that they never received dispute from Experian. Thank You 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 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Commencing on or about XX/XX/2023, I fell victim to two multi-layered scam operations run by XXXX XXXX, XXXX XXXX, XXXX XXXX ( the Scammer/Merchant/Fraudster ), which involved me making deposits for a total amount of XXXX USD from my XXXX XXXX  account to Wells Fargo at the instructions of the scammers.

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 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear XXXX, There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am rquesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as a consumer. The three accounts below are listed as collections on my credit report : Midland Credit Management/XXXX XXXX Midland Credit Management/XXXX XXXX Midland Credit ManagementXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within four days from the date of receipt of this notice. I look forward to your response. 

Thank You

Company response to consumer: Closed with explanation