vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-16 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: CA

Complaint narrative:
My student loans are through Nelnet. I have a large federal loan, and one smaller private loan. I make payments larger than the accrued interest, yet a portion of the interest remains. I do not have an understanding of how payments are dispersed. The website does not present information in such a way that an ordinary person can understand it. Even my wife, who has a degree in XXXX, does not understand. 

My interest has just about doubled over the last week, even though I am making consistent payments monthly. 

There is literally no provision on the Nelnet.com website where a person can designate that their payment satisfies the interest, or designate a specific dollar amount to the principle. 

I wish to keep my interest down, yet it continues to grow.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I had a perfectly good line of credit with Citibank. I had been a customer for 20 years. Several years ago I started using their mobile app. All was fine until I entered a second bank XXXX XX/XX/XXXXXXXX XXXX ) that I was going to be making payments from. Unfortunately, I decided not to move forward with moving my account over to XX/XX/XXXXXXXX XXXX. However, twice recently, when I clicked on the " convenient '' pay my bill button, Citibank tried to take the money from the XX/XX/XXXX XXXX XXXX, despite that I had thought I reset XXXX as my primary bank. It was a simple technical error. I had plenty of money in XXXX to pay off the entire $ XXXX balance, which I did immediately that Sunday after learning of the action. I appealed, but they declined to re-open my card. Again, it was because I didn't understand sufficiently how to manage the app that this whole situation occurred. But frankly, I am technically saavy and thought I had indeed switch XXXX back to being my primary account. So it could have been a technical glitch on their end. They closed my card and I suspect it was something on their app that was at fault. They did so the week before XXXX and also as I was trying to purchase a house, which showed up as an adverse reaction and destroyed my credit score, which was over XXXX. Shame on them.

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 2023-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: FL

Complaint narrative:
I have XXXX small business accounts with XXXX merchant processing : 1. Under email XXXX 2. Under email XXXX Out of nowhere with no notice or explanation, XXXX said that we violated XXXX 's of our agreement with them ( see attached emails ). XXXX of the accounts, # XXXX, they shutdown immediately. The other account, # XXXX, they gave us 30 days to find a new merchant processor. 

XXXX gave XXXX warning, didn't ask for any information and just up and shutdown these accounts with no options to speak to the department. In XXXX of the accounts, I process invoicing and payments for over XXXX customers. While I understand they have a right to cancel my account at anytime, I would like to know the reason why and ask if there is any way to remain a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights . 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 an 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 then records of convictions of crimes which antedates the report by more then 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 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/2023, at approximately XXXX CST, I called Equifax and spoke to XXXX ( employee ID : XXXX ). I was informed that in order for Equifax to update my new permanent address, I needed to supply a cover letter with the request, a copy of my State issued ID, and a copy of my social security card. I refused to send this type of sensitive information over mail because of identity theft concerns or that information getting lost in the mail. I asked Equifax if there was another way to verify and why I could not just update my online account with the new address like I did with XXXX and XXXX. I did not receive a good response and instead the agent repeated the only way I could update my address. Equifax has not earned my trust as a consumer with my sensitive data and I am shocked there are not less burdensome and archaic ways for a consumer to execute this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dispute Department Experian Consumer Solutions XXXX XXXX XXXX XXXX, TX XXXX To whom it may concern, I am writing to dispute the following information on my credit report and have the following information removed from my file. The items I need deleted are listed below. I am a victim of identity theft and DID NOT open authorize these inquiries, and I have never lived or received mail at the listed address below. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and have also enclosed copies of the documents supporting my dispute, the Federal Trade Commission 's identity theft affidavit. Please delete the items as soon as possible. 

FRAUDULENT INQUIRIES : Creditor Name : 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 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VT

Complaint narrative:
Beginning on XX/XX/XXXX, I began communication with an individual named XXXX XXXX ( XXXX ) about signing a lease for an apartment that he was advertising on XXXX in XXXX, Vermont. XXXX then proceeded to ask me to sign up for these accounts on Transunion that would check my criminal background and credit score. I then asked XXXX to provide me the exact address of the apartment, which he never answered. I also repeatedly called him, but would not pick up. These Transunion accounts that he requested me to sign up for also cost money, but promised he would refund me. After I created an account on Transunion that would supply my credit score, he told me that it would also provide him information on my criminal background ( which I have no criminal history ), but then he made me sign up for another account that costed me money called IdentityForce ( also affiliated with Transunion ). This website required social security information, credit card information, and billing address, but it was just an account that helped prevent against identity theft. I created the account, and he said I would need a cosigner because my credit score was not good enough in his opinion, so he then requested my father to also create accounts on the same Transunion websites that I filled out. I denied, told him I need him to answer my phone calls, and allow me a chance to see the property before I sign up for anything else requiring my credit card information. After signing up for these accounts, I signed into my credit card company account, and I noticed that I then had charge on an XXXX XXXX XXXX  ( Which I have no idea what it is because I never signed up for it ) account for {$10000.00}. I have contacted my bank, they canceled my card, told me to call authorities, and to file a report/complaint. I have tried to get in touch with XXXX, but he is now not answering me. I believe a new account has been made under my name, and I want to take legal action now.

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 2023-12-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
" I recently applied for a mortgage loan and initially received pre-approval, followed by formal approval. I proceeded with the necessary steps, including the payment of earnest money. However, during the final stages of securing the loan, unforeseen complications arose. Despite my substantial down payment of over {$200000.00}, a XXXX XXXX exceeding XXXX, and the property 's value being {$360000.00}, my application was unexpectedly rejected. The reason provided was related to my debt-to-income ( DTI ) ratio. 

It's important to note that my student loans were not only in deferment but also subject to an income-driven repayment plan, with a nominal required monthly payment of {$130.00}. Given my annual income in the six-figure range, this denial was both surprising and disappointing. Regrettably, this turn of events resulted in a significant financial loss of nearly {$6000.00}. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Certegy Holdings, LLC
State: MN

Complaint narrative:
On XX/XX/2023 we presented a check for payment of {$5700.00} at XXXX for carpet and future installation. Certegy Payment Solutions, LC advised XXXX to deny the check. Their reason was a " XXXX XXXX '' - No prior unpaid check information ( for my accounts ) but Certegy had insufficient information on me to approve the transaction. I told the XXXX manager that that was immaterial because the check would clear long before the goods would be ordered or installed. I was compelled to return to my home in another city to get cash and return to the store before close ( or forfeit a {$500.00} rebate promotion that ended that day ). Certegy provided contact information on the cash register printout that denied my check. To contact them online or by phone, they asked me to have certain personal information available including my Social Security Number. They provided an address for mail contact which I chose. My letter was returned on XX/XX/2023 marked : Return to Sender, Attempted- Not Known, Unable to Forward. I checked the address against the information they provided to verify that it was correct. I have also contacted XXXX XXXX XXXX contact portal and a representative promised to forward the details of my complaint to the appropriate parties. I have retained copies of all the comunications.

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 2023-12-16 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: FL

Complaint narrative:
I received a mail from the US Department of Education stating that me loan has been discharged as shown in the attachment, if Mohela have alternative information that contradicts this please provide it. Otherwise please update the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
I sent money to my Citi savings from my XXXX savings for 6 months. Then, I needed the money to pay cash for a house til I refinanced. Citi has a {$50000.00} monthly transfer out so I made that and then called to do verify a wire transfer for the other {$50000.00} I needed. I spent 30 minutes of the phone with a foreign representative who was hard to understand who placed me on hold multiple times. During her questions verifying me the phone call had static and I could also hear her coworkers in the background laughing and talking. Once I was finally verified she told me the transfer would go through since we close in 2 days. The next morning I wake up to check my accounts. The money wasnt transferred to XXXX so I logged onto my Citi Account and the savings account was gone. I called Citi and had another static phone call with a foreign representative who put me on hold for 20 minutes. He said my account had a security hold on it but he didnt know why and hes researching it. This is the most frustrating and scary thing Ive ever encountered. I will not ever use Citi again and I wont be using them for my credit card either. If I dont get my money back, I will be suing. Im also at risk of losing the house Im supposed to close on because theyre holding my funds.

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 2023-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
In response to LVNV FUNDING with account # XXXX, I have recently submitted a complaint about LVNV FUNDING using my information under false pretense. 
In the company response they sent two XXXX XXXX transaction records, after a review of the XXXX XXXX transaction records I found two different addresses non of which match my GOVERNMENT ISSUED ID. I am asking LVNV FUNDING to review those two addresses and match them with my GOVERNMENT issued ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 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:
To whom it may concern, I am writing to dispute the following information on my credit report and have the following information removed from my file. The items I need deleted are listed below. I am a victim of identity theft and DID NOT open these accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and have also enclosed copies of the documents supporting my dispute, the Federal Trade Commission 's identity theft affidavit. Please delete the items as soon as possible. 

FRAUDULENT INQUIRIES : Creditor Name : XXXX XXXX Type of Business : Bank Date of Inquiry : XX/XX/2023 Creditor Name : XXXX XXXXXXXX Type of Business : Bank Date of Inquiry : XX/XX/2023

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 2023-12-16 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor violated my rights under 15 USC 1681 section 602 states I have the right to privacy, as well as 15 USC 1681 section 604 A section 2 states also that a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a open end consumer credit plan as late for any purpose. 

Not only is it violating my rights, the balances are not accurate as of XX/XX/2023 and accounts have been paid down in XX/XX/2023 and carry either a XXXX balance or low balance. 

The following accounts are ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-16 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor violated my rights under 15 USC 1681 section 602 states I have the right to privacy, as well as 15 USC 1681 section 604 A section 2 states also that a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a open end consumer credit plan as late for any purpose. 

Not only is it violating my rights, the balances are not accurate as of XX/XX/2023 and accounts have been paid down in XX/XX/2023 and carry either a XXXX balance or low balance. 

The following accounts are ; 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 explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: NY

Complaint narrative:
I applied for full PSLF in XX/XX/XXXX as I successfully attained over 120 qualifying months on all of my student loans. On XX/XX/XXXX, I noticed that my form was processed, however my qualifying counts reduced from well over the required amount to XXXX on each loan. According to MOHELA 's site, all of my payments made from XXXX to XXXX were ineligible as they claim I was in forbearance at the time. I was not in forbearance but was in repayment for that entire time, and I regularly submitted documentation to update my payment counts, showing that I had qualified months due to my payments. I was with XXXX and then XXXX during that time, however my loans were transferred to MOHELA just last year. My loans should be now eligible for forgiveness as I followed all required criteria, however it seems that MOHELA is stating I still need several years of payments as they are not counting any of my previous payments that were already approved. I have a document showing that all of my loans were qualified on MOHELA 's site prior to this update that may be shared, if needed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 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: MI

Complaint narrative:
Nelnet -- # 1 -- Can not contact to ask questions about how my loans are being handled. Even when I am able to contact the rep is not able to answer the questions. Most times I am on hold for XXXX minutes and the system times out and hangs up on me while I am on hold. 
# 2 -- When trying to contact yesterday the phone number listed for Customer Service on the Nelnet website directed me to a Marketing Company promoting a {$100.00} gift card if I allowed them to mail me information. I told the Rep I WAS NOT interested in a gift card. 
The Rep to could offer no information or a number to talk to Nelnet about questions on my account. 
# 3 -- I have 16 loans on XXXX children now being serviced by Nelnet. They pay their own and i have their bank accounts on the payment website. Upon review of the payments that have been made all amounts are being credited to satisfy accrued interest and {$0.00} are being applied to the principal. Five of the loans are for my son who previously paid for 6 years through Fedloan.gov and had satisfied most of the interest and was starting to pay on the principal of his loans. It appears NONE of the history of payments was ever transferred from Fedloan.gov to Nelnet. 
# 4 -- Upon on review of the info on Nelnet about interest I found the statement that bluntly indicated " If you want any of your payments to go toward the principal of the loan, the only way to make that happen was to pay OVER the minimum amount due ''. 

I have been in contact with Nelnet and Fedloan.gov throughout the time when the loans were in Forebearance and my family is paying and HAS ALWAYS paid their loan payments on time. If our governing officials believe that this is the way to help people out, they are sorely mistaken. This system is broken in many ways. I have attempted to contact several organizations, including congressmen/women and even my state reps and GUESS WHAT -- all emails have bounced and phones disconnected.

Company response to consumer: Closed with explanation