vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-14 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX and my enrollment status reflects this on the XXXX XXXX XXXX website. On Mohela 's website it says that I am in repayment ( now forbearance since XX/XX/XXXX ). I have contacted Mohela multiple times ( documentation attached ) to update my status to " in XXXX XXXX ''. When I email, I receive an automated message saying that they will respond to my message in XXXX  days. I never get a response. I have called 5 times now and when I talk to someone, they tell me that they have put in a request for my account to be updated. They see that XXXX XXXX XXXX XXXX  and that I have submitted the correct documentation. The reps are just as puzzled as I am as to why my account is still in repayment, but they are not allowed to make this change they have said. My enrollment documentation from my school was submitted on XX/XX/XXXX, but now when I check in Mohela 's website on the " documents I have submitted '' section, it is nowhere to be found, when it was there before. I have been calling and messaging since XX/XX/XXXX. My account still reflects that I am in repayment and I keep receiving bills in the mail. When I spoke to the last person on XX/XX/XXXX she said that whoever put in the request to change my status the first time in XXXX " did it wrong ''. I asked to speak to a supervisor, she let me know that I was not allowed to. The customer service reps are able to offer me forbearance and put me on forbearance, but they are unable to change my status from " repayment '' to " in school deferment '' when this is my status on the XXXX XXXX XXXX website. Their hands are tied. Makes no sense. The rep I talked to on XX/XX/XXXX said that my request submitted in XXXX was not even viewed yet by whoever needs to make this change. I need this to be updated. I need someone to actually fix this and not keep passing it on to another group who isn't doing what needs to be done. I initially filed a complaint against Mohela on XX/XX/XXXX but my case was closed. I am going to continue filing complaints against Mohela to CFPB, my XXXX XXXX and XXXX until this is taken care of. I have attached screen shots of their automated messages and lack of response. Please, can someone get this issue resolved?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 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: PA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I currently have some hard inquiries on my credit report that should not be there Ive never applied for any of these bank 's. 



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 response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Ive dispute the incorrect reporting of my personal information on 3 occasion XXXX XXXX XXXX XXXX  with a copy of my valid driving license, Social Security card and a current electric bill as documentation of proof. My correct address was add but the addresses Ive never lived, addresses that are undeliverably, and/or I have no access to are still being reported and the explanation Ive given is it their policy rather that following the guidelines under the FDCPA.

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 2023-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
On XX/XX/XXXX I, the consumer applied to # XXXX XXXX for a XXXX XXXX XXXX XXXX in which # XXXX XXXX pulled my credit twice. Both of those consumer transactions I was denied. I am creditworthy, I tried to express that but was still denied. 
I checked my consumer report and seen that Santander Consumer USA Inc. had a hard inquiry which brought my credit score down by 3 points. I wrote a letter to Santander Consumer USA Inc. in which i told them I can not be denied credit because I am creditworthy. I also expressed that because my social security card was used due to the hard inquiries and there was no benefit on my end that could be classified as fraud. ( unauthorized use of a credit card ). I expressed that this caused me mental and physical distress because I have a one year old and we are going through a hardship. I told Santander Consumer USA Inc. that this is discrimination because the Truth In Lending Act and Consumer Law Does not say one can be denied cred only Insurance and employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 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: GA

Complaint narrative:
Good morning I am filing a complaint against Experian because they refuse to dispute the following items that appear on my credit report because of identity theft. the reason they gave was because the furnisher of the information stated according to the information they had at the time they believed the information was accurate. Subsequently I filed an FTC identity theft report a local police report and contacted the creditors directly. the documents were sent to Experian by mail and receipt was confirmed. I am filing a complaint against experian for violating my rights as a consumer to challenge any information on my consumer report that is not accurate by law.

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 2023-12-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
I was seen at XXXX XXXX XXXX. I am a XXXX veteran and was reffered out and seen at XXXX XXXX XXXX  for a medical issue. The Veteran Affairs office has already paid XXXX XXXX XXXX, this is an attempt to double collect the payment that they have already received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/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 2023-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Opportunity Fund
State: GA

Complaint narrative:
XXXX OPPORTUNITY FUND HAS PLACED A XXXX LOAN ON MY PERSONAL CONSUMER REPORTS WITH THE CREDIT BUREAUS.THE COMPANY THAT RECEIVED THE LOAN HAS SINCE CLOSED AND GONE OUT OF BUSINESS DUE TO LACK OF BUSINESS FROM COVID 19 AND DISTRESSED ECONOMY. I DISPUTED THIS WITH THE CREDIT BUREAUS TO NO AVAIL THEY TO REPORT AND THE COMPANY XXXX CONTINUES TO REPORT FLASE DATA TO THE CREDIT BUREAUS. THEY COMPANY THE LOAN WAS OFFERED TO WAS AN XXXX REGISTERED WITH THE STATE OF GEORGIA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I received money for services via Cashapp. I attempted to add my bank account and transfer funds to it, but they don't give you that option before you add a debit card. I added my debit card and transferred roughly half of the funds. Afterwards I was able to add my bank account. I did such and removed the linked debit card. I sent the remaining funds to that account. However Cashapp sends a text and app notification when a card or bank account is added or removed. Following the adding and removal of my debit card I received such messages and notifications. However following the adding of my bank account I received a notification and message that my babk was added, followed by a message that my debit card which I had removed and got notifications and messages that it was removed had been ADDED to the account. I immediately called Cashapp customer support to inquire why information I had explicitly revoked permission from them using in the form of removing it from my account was being added back without my permission. The person I spoke with was particularly rude and disrespectful and said without verifying and providing even more personal financial information they wouldn't address my issue qbd could only answer feneral questions. They already linked a debit card I explicitly removed so I had no trust in their integrity in regards to data protection regarding my finances, much less provide them with even more sensitive data before they would address what is either a glitch or an intentional, malicious disregard for privacy. So I told the customer service associate I had a general question and wanted to know how it was legal for them to add a debit card back to my account after I expressly removed it following me adding a bank account. The operator refused to answer the question until I provided my social security number, which is the most personal information a person owns as far as finances go. I suspect they're forcing people who won't provide a social security number, which they can not obligate customers to use, to utilize debit/credit transactions which fees. This would be opposed to direct bank account transactions which do not. This can not be the way a financial corporation is allowed to operate in the United States, while actively coercing and extorting consumers, half delivering services unless they provide more sensitive data than is necessary, and holding onto data after permission has been revoked.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
On XXXX XXXX and XXXX XXXX new information was sent to each credit company of loan balances being consolidated. XXXX Equifax my score dropped on XXXX. There is no change in balances and loans should show as one combined balance. Student loan is current.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 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: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

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 2023-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I have a Mastercard XXXX XXXX XXXX  credit card for several years and always have paid the monthly balance in full. Recently, I agreed to transfer {$6500.00} to their 0 % promotional line of credit at a {$260.00} fee and I continued to use this card for other purchases. In XXXX, my credit card statement showed an interest charge on new purchases. I called to tell Mastercard that I paid in full all new purchases as I have done for several months. They initially say there's interest charge because of new purchases are accuring interest at time of posting the charge which never happened in the past ( but they ignore that fact ). When I speak with the supervisor, they say the interest charge is due to not paying 2 consecutive months payments in full up to that date of payment. So now I'm told in order to avoid a monthly interest charge on new purchases, I have to pay my monthly new purchases balance listed on my credit card statement as I always do PLUS I have to call them to get my current balance of new purchases as of today and include that amount on my payment. If I pay that total balance two months consecutively, then they will not continue to charge a monthly interest charge on my non-promo balance. I've called 3 months in a row to get this resolved. I even spoke with a supervisor and said if I pay x this month, then next month you will not charge interest, she said yes but I was still charged interest the next billing cycle. I'm frustrated with this operation and have only experienced this issue after signing onto the 0 % promotional interest rate. Although, I look closely at my monthly expenses, I'm concerned if other people who have the promotional rate are being charged this new purchases monthly interest and not noticing plus I'd like to avoid making this monthly call.

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 2023-12-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC
State: AL

Complaint narrative:
Wakefield and associates just popped up in my credit. I have no knowledge of this debt. Never received documentation about this debt to properly dispute alleged debt. I dispute this debt. Please send over any ALL ORIGINAL WET SIGNATURE DOCUMENTATION for this alleged hospital debt. 

PLEASE ALSO SEND YOUR CONTRACT FOR ORIGINAL CREDITOR STATING THAT I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: National Credit Systems,Inc.
State: AR

Complaint narrative:
Starting on XXXX, I started to ask how they verified that the debt of National Credit Systems Inc is accurately reporting and send a second letter requesting the method of verification from the credit bureau on XXXX when i received a response from XXXX that it has been verified as accurate. The reason why I was requesting verification is that XXXX and XXXX could not verify the debt was valid, so these bureaus deleted it from my report. 15 U.S. Code 1681s what has been violated. XXXX has fail to supply me with anything bearing my signature to verify the debt of National Credit Systems Inc is mine. Having this information on my account is getting my credit denied for home loans and credit accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 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: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: CA

Complaint narrative:
I have been waiting since XXXX for Dispute XXXX to be resolved and on XX/XX/2023 XXXX responded to the chargeback request and money was returned to Chime but wasnt made available to me. When inquiring about the missing funds for the approved transactions thats had be charged back and the documentation for Dispute XXXX that they reopened and closed again on XX/XX/2023 after I sent further documentation showing I couldnt have made the charges they closed my account with no explanation and didnt provide any of the requested documents.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-14 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: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
TransUnion refuses to provide a credit freeze, security freeze on my account unless I pay {$24.00} for service

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 2023-12-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
A potential creditor ( Mortgage ) company is trying to get my credit report in order to complete a mortgage refinance. Experian is not releasing that information to the mortgage company. I've called and submitted several complaints to no avail. The last representative I spoke with said she doesn't know why she couldn't retrieve my report. She also submitted a referral to some unknown department to look into this issue. 
Its been two weeks and four referrals. Still no answers.

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 2023-12-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: GA

Complaint narrative:
NOTICED ERRORS ON CONSUMER REPORT AND MADE I, C, SYSTEM, INC AWARE AND THEY CONTINUE TO REPORT AND NOT REMOVE THESE ERRORS AND CONTINUE TO VIOLATE FDCPA, FCRA, CFPB AND PUBLIC LAWS RULES AND REGUALTIONS AS IT PERTAINS TO DEBT, DEBT DISCHARGE AND CREDIT REPORTING 1. I.C. SYSTEMS, INC, WAS SENT A NOTICE OF ERRORS, AND NOTICE TO CURE FAULT, AND NOTICE TO REMOVE DEBT THAT WAS CHARGED OFF BY ORGINAL SO CALLLED CREDITOR AND THEY HAVE NO CONTRACTUAL AGREEMENT WITH ME NOR HAVE THEY EVER 2. CURRENTLY, IT IS BEING REPORTED TO THE CREDIT BUREAUS OF A DEBT BEING PAST DUE IN THE AMOUNT OF {$1900.00}. THAT HAS BEEN CHARGED OFF WITH XXXX XXXX XXXX XXXX. LASTLY, THIS ALLEGED DEBT IS ENTITLED TO DISCHARGE DUE TO PUBLIC LAW 73-10 OF HJR

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 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

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