vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-24 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: VA

Complaint narrative:
I made two separate payments to Nelnet on XX/XX/2023 and XX/XX/2023, before student loan payments resumed, intending to pay off all of my outstanding interest so that it would not capitalize. Any excess should then have been allocated to my highest interest loans. That, however, did not occur. For some unknown reason, Nelnet did not apply my payments to my outstanding interest, so that interest capitalized. I have called Nelnet twice, and was stuck on hold for numerous hours both times before being forced to hang up, trying to receive an explanation. Their call line directs you to their website, so I submitted a complaint on their website requesting an explanation and requesting that they remove the capitalized interest that never should have capitalized in the first place. They have given me the full run-around. The first response I received gave me a boiler plate explanation of why interest capitalizes. My reply that I understand how it occurred and demanding an answer to my actual question- WHY it occurred- has still not been answered. The response I received today was another boiler plate response, but this time, it - AMAZINGLY - merely said : " We understand that communicating over the phone may not be your preferred method for resolving your situation. However, it is often difficult to discuss more complicated matters using email communication, which is better suited for more generalized requests. If you would like further information about your account you can contact us at the number listed below. '' I have read hundreds of complaints from other borrowers who have been on hold for several hours without ever being able to talk to someone at Nelnet. The pre-recorded messages played over and over while I personally have been on hold twice for over an hour each time pushed me to consult and use their website. And YET, when I did, I received no helpful response and a direction to call their insanely understaffed phone line. This company is a joke, and I am tired of receiving the run-around at my own expense. I have had a few other issues with Nelnet, including continuing to receive multiple statements with multiple payment dates despite already being approved for a single due date for all loans, but the fact that my outstanding interest capitalized when it absolutely should not have is by far the most severe and the most egregious. This company is yanking me around because they are financially benefitting from allowing my interest to capitalize in the first place. It needs to be rectified immediately, and, as they are impossible to reach and deal with, I am escalating my complaint to the CFPB. You all need to step in and get Nelnet under control.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 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: FL

Complaint narrative:
I would like to address the issue of payments that XXXX XXXX has marked as due for the following account Account number XXXX on the specified dates : XX/XX/2019 XX/XX/2019 I understand that, in accordance with USC 1681 ( a ) ( 2 ) A ( i ), my consumer report must not consist solely of information related to transactions or interactions between the consumer ( me ) and the reporting entity ( your business ). Payment history, including late payments ( accounts with adverse information ), has the potential to negatively impact my consumer report for up to seven years and is considered an essential part of the interactions and transactions between your company and me. 

Additionally, I kindly request that you provide me in writing with the reasonable procedures, as described in 15 USC 1666 ( b ), that you have in place to ensure that you receive each periodic statement no later than 21 days before the payment due date.. Also include all necessary information as detailed in Section 1637 ( b ) of Title 15. 

You have 30 days from the date you receive this letter to provide me with the information I request. Failure to provide this information within the specified time frame will be considered a failure to verify late payments on the dates listed above, indicating a deficiency in reasonable procedures to ensure the accuracy of my account. As a result, I will request removal of late payments from my account and consumer reporting to the relevant consumer reporting agencies ( including, but not limited to, EXPERIAN and XXXX ) and request that the accounts be updated to reflect a positive status.

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 2023-10-23 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: OH

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 XXXX5 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 instructions 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 2023-10-23 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: OH

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 602 A. States I have the right to privacy.

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 instructions 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I hosted a retirement dinner a few weeks ago and colleagues sent me money via Venmo to help cover the cost. I tried to add a bank account to transfer the money into & Venmo couldn't connect to that account. So, I added my other checking account and Venmo validated that one electronically. On XX/XX/XXXX, I received an email from Venmo saying that my bank account was verified. It also said " You can now transfer money to this bank account ''. And yet the website says that my account has been suspended and I can't access my funds. 

Now, I'm being told that my account is suspended and that to access my funds, I have to send them a photocopy of my driver 's license and a copy of a statement from the first bank account. So, basically all the info someone might need to steal an identity. It's one thing to use an automated process to verify a bank account. It's quite another to send someone a picture of your driver 's license. 

I called them and was told that they don't require this of every user, so if they're asking it of me it is for a security concern. And yet they can't tell me what the exact security concern is. Oh, and the department that deals with security and fraud will only communicate via email. And you never correspond with the same person twice, so there is no chance of having a real conversation. All you get are copied and pasted responses. 

Also - the website says that I should check my email for more information regarding the account suspension. The lady I spoke with said the same thing. But I never received an email from Venmo telling me the account was suspended. I didn't get any communication from them at all until I reached out. ( And, yes, I checked my spam folder. ) They told me in writing that I had a verified bank account that I could transfer funds in to and now they won't let me access those funds. And they are asking for extremely sensitive personal information. 

I noticed that Paypal ( who owns Venmo ) settled a lawsuit with them in XXXX due to privacy violations and lack of transparency with their users. Guess that lawsuit didn't teach Venmo anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I deposited a check to my business checking account at Bank of America via the mobile deposit app on Thursday, XXXX When I entered the amount of the check I made a typo and put in {$1400.00} instead of {$2400.00}. I notified the bank and they said it would be corrected when they processed the check. It was corrected when it was processed, however, Bank of America put the check on a 7 business day hold! The check cleared XXXX XXXX on XX/XX/ and the money was removed from the XXXX XXXX account. 

Bank of America will not explain why they are still holding the deposit despite the fact that they money has been transferred from XXXX XXXX to Bank of America. I have spoken to Bank of America 5 times and they opened a case to see if they could get the processing team to expedite the hold, but it has not happened. 

Can you please help me find out why Bank of America will not release the deposit which has already cleared 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 monetary relief
Consumer complaint received 2023-10-23 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: MD

Complaint narrative:
**No Binding Agreement** : Furthermore, I assert that I have no binding contractual agreement with the aforementioned creditor/reporting entity. As supported by case law ( cite the specific case ( s ) you're referencing, if available ), if no legally binding agreement exists between myself and the creditor, the credit reporting agency may not include the account in question on my credit report. 
**Exclusions under 15 USC 1681 ( 2 ) ( A ) ( I ) ** : Per 15 USC 1681 ( 2 ) ( A ) ( I ), certain transactions and experiences are excluded from the definition of a consumer report. As such, the following information should not have been included on my credit report : Specific details about the transaction or experience that shouldn't be part of the report XXXX XXXX {$8400.00}

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 2023-10-24 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: MD

Complaint narrative:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NY

Complaint narrative:
My loans were due XX/XX/XXXX. I made a payment on XX/XX/XXXX and got a confirmation number. I never received anything about the payment not going through. I logged in to update my public service loan forgiveness paperwork on XX/XX/XXXX and saw I had a past due. I immediately paid it even though I had a confirmation number from XX/XX/XXXX as I didnt want it to affect my loans. 

I immediately called MOHELA and as of right now have been on hold for four hours and 15 minutes. They have no call back option and no information on how long the wait is. I am genuinely concerned with how difficult it is to get any assistance in this type of issue. There is no other means of contact for MOHELA and to be on hold for over 4 hours is absurb.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XX/XX/XXXX XXXX  I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I begin to use the funds in my XXXX XXXX XXXXXXXX account after making payments with my cards for my out of pocket fees deductible and copays. After using my money in my account XXXX XXXX XXXXXXXX dropped my credit balances on 2 credit cards from credit lines of XXXX to the balance of {$3200.00} and {$2900.00} actually charged balanced amounts and closed my cards. I called to find out why they done this and was told that XXXX can lower the credit line whenever they wanted but provided no reason for the decision was made. 

XXXX XXXX XXXXXXXX reported to the credit bureaus that I maxed out my cards and that they accounts were closed without notifying me. I deputed with the credit bureau Equifax and XXXX send false delinquent payment info to the credit bureau when I was previously in good standing with no late or delinquent payments on my accounts. I reported Unfair Credit Reporting because I was approved for the National Hardship Debt Relief Program over 2 months ago after XXXX caused a chained reaction with my other credit cards causing my credit score to drop over XXXX points in 2 weeks because they reported every 3-4 days. Now I can not qualify for anything. My score went from XXXX to XXXX and they are still reporting. Once on the debit Relief Program all credit reporting is suppose to Stop. But they keep reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 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: OH

Complaint narrative:
The late payments that are being reported on my credit profile violate my consumer rights under FCRA consumer law 15 USC 166B. As a long-time customer that has had an exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I am appalled that they will violate my consumer rights in such a manner that is detrimental to me achieving a good credit profile which affects my approval chances for other accounts. After speaking with XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX XXXX customer service they were not helpful and didn't listen to me as a long-time customer. They advised there was nothing they could do, although they were aware my consumer rights had been violated. I can not believe companies of this magnitude doesn't care about their customer rights. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX is tarnishing my name and credit profile by reporting these account late payments inaccurately without my consent. As well as my creditworthiness, character, and my general reputation which is also against the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 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: OH

Complaint narrative:
The late payments that are being reported on my credit profile violate my consumer rights under FCRA consumer law 15 USC 166B. As a long-time customer that has had an exceptional payment history with XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I am appalled that they will violate my consumer rights in such a manner that is detrimental to me achieving a good credit profile which affects my approval chances for other accounts. After speaking with XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX XXXX customer service they were not helpful and didn't listen to me as a long-time customer. They advised there was nothing they could do, although they were aware my consumer rights had been violated. I can not believe companies of this magnitude doesn't care about their customer rights. XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX is tarnishing my name and credit profile by reporting these account late payments inaccurately without my consent. As well as my creditworthiness, character, and my general reputation which is also against the FCRA.

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 2023-10-23 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: FL

Complaint narrative:
I had a direct deposit on XX/XX/2022 that was sent to my cash app in the amount of XXXX from my employer XXXX  the total amount that should have been direct deposited into my cash app account shouldve been XXXX. Cash app shorted me {$200.00} and refuses to rectify the situation I contacted XXXX  XXXX  said they sent the correct amount

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Block, Inc.
State: AZ

Complaint narrative:
Cash app closed my card on XX/XX/2023 and I have asked through the app, email, text XXXX XXXX USPS and other CHAT type of apps for details why my account was closed? And they keep saying that they have no further information. I have escalated my request over ten times. I have written to the XXXX, XXXX and to XXXX XXXX in California at Block Inc, the parent company. ABSOLUTELY NO ONE HAS TAKEN THE TIME TO VERIFY what the real issue is/was. It is as if they are too lazy to get a forensic accountant to look at my claims. I didn't violate their policy. And if I did, prove it. If sending the man I XXXX XXXX XXXX with ( my brother ), money that owed him ( still under {$1000.00} by written policy ), then they shouldn't say that there's no problem with that. But they have not changed who I can send direct funds to. I have asked if they treat their other stockholders in the same manner .... I haven't received an answer for that question either. And I do have stock through XXXX XXXX. 
How are they still giving raises and promotions ( XXXX ) while the stock is falling and they are failing at answering the basic questions for an account that they closed? 
" You violated your account. It's closed. '' What did I do? 
" We will email you. '' But what did I do? 
They never told me by email, chat messenger or USPS. I contact them and keep escalating and they keep saying that someone will email.

Company response to consumer: Closed with explanation