vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: IL

Complaint narrative:
I have been trying to talk to someone for 3 months, and I have repeatedly been hung up on and have never actually managed to talk to a person. I have been trying to apply for forbearance that I qualify for, but they dodge my calls and I can't get any information. I am now in collections for the student loan as I can't get any progress on my student loan forbearance process. I have spent hours on hold, only to be hung up on. I've requested call backs, only to be hung up on. This is ridiculous.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2024-01-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: UT

Complaint narrative:
I filed for bankruptcy in XXXX, Firstmark is still charging me late fees and requiring payments during bankruptcy. They say Nelnet requires this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate 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 non-monetary relief
Consumer complaint received 2024-01-19 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-01-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
The creditor for the personal loan is the Pentagon Federal Credit Union. Included in the personal is optional insurance in case of unemployment. An insurance claim was made in XX/XX/XXXX. An additional form was requested from XXXX XXXX ( insurance company ) and provided on XX/XX/XXXX. The monthly payment for the personal loan is {$560.00}, and the due date is the XXXX of every month. XXXX XXXX continues to send partial payments in the amount of {$520.00} to Pentagon Federal Credit Union. The first payment made on XX/XX/XXXX, was for {$1000.00} ; the payment made on XX/XX/XXXX, was short {$37.00} and late ; they have now processed another payment on XX/XX/XXXX, for XXXX, which again is short {$37.00}. My payment, which is due XX/XX/XXXX, is now late due to XXXX XXXX not sending a full payment, and I have to make a payment of {$37.00}, or I will incur a late charge and affect my credit. 
I spoke ( XX/XX/XXXX ) with a manager at Pen Fed, and Pen Fed has expressed the insurance company should not be sending partial payments as long as I continue to provide the COntinuance of Unemployment form, which I have every time it has been asked for. 
Today, XX/XX/XXXX, I was on a 58-minute hold, but had to hang the phone up because no one came back to the phone.

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 2024-01-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: MS

Complaint narrative:
Loan of XXXX, XXXX I was paying on it my account balance was never reflexing on my account it would change just a little but not alot with what I was paying back on the loan...

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
Refinance not available starting XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exists. In requesting documentation none was provided. Due to identity theft this should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: CA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I took my loans out in XXXX. My account to date still looks like I just took the loans when i refinanced. My loans have grown over the years despite paying them for a majority of the 25 years I've held them. When I took forbearance in the past it was due to financial difficulty and the minimum payments being beyond what I can afford. 

Now I am years away from retirement, Aidvantage, despite a previous complaint filed here In XX/XX/XXXX - Complaint # XXXX - which they responded to with more detail then they have EVER responded to me ( they make it IMPOSSIBLE to contact them ), still doesn't care that I have been paying for decades and is prepared to take payments from me like my loans are brand new. Furthermore, in this economy where prices have gone up but salaries haven't I can't afford these payments and I CAN NOT POSTPONE THEM AT ALL. 

Lastly, I thought I had at least 5 months of a forbearance ( I was not fully employed ) left when the pause began that I ASKED TO BE ABLE TO FINISH OUT ( filled out a form for which was received but I did not receive a response ) and although my request seemed to have been accepted ( not rejected ) aidvantage is now saying I have not paid last months payment. 

During the admin forbearance they sent me emails telling me I owed them monthly, and but for their response to may last complaint, I wouldn't have known that I was in forbearance. This whole thing is criminal and I WILL NOT suffer now or in retirement giving money to this enterprise. I can't even email them. Trying to call or set an appt is impossible. I REFUSE TO BE SHAKEN DOWN

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: NJ

Complaint narrative:
In accordance with the Fair Credit and XXXX Account # 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 6 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 


XXXX XXXX XXXXXXXX

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 2024-01-19 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: TX

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2024-01-19 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: TX

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXXu, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I received a notification from XXXX that my account was delinquent in XX/XX/2023. I called XXXX and discovered that the CometyCapital/DELL reported a 30 days late payment. 

I then reached our to ComenityCapital/DELL. They confirmed that they didn't receive my monthly payment for 2 months that was why it was reported. I instantly said that wasn't possible because I had auto pay setup on the account for over 2 years and I have never missed any payments. 

They later confirmed DELL switched payment and Marchant system which removed all the previous autopay that customers had previously set with the old system ( DELL Financial Services ). However, I wasn't notified. I never received any mail or email or call or text or any form of notification. They said letter was sent out but I never received it. 

The delay of the said payment was as a result of the change they made and not my fault. I can prove that as at the date of original autopay I had set up my autopsy I had enough money to take care of all auto payments., My records is a prove to that. I have never missed a payment. 

This is an example of unfair Act of Practice that has caused me substantial injury. I just lost the ability to put in an offer for a home because my Leander couldn't continue to pursue my loan with the Low Credit score report that this situation has caused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: MO

Complaint narrative:
The high interest rates are overwhelmingly burdening my other responsibilities that werent explained at the beginning

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: IA

Complaint narrative:
XXXX Iowa XXXX XXXX XXXX  XXXX Called the XXXX  XXXX XXXX  XX/XX/2023 regarding the transaction. In first phone call, an employee stated that they would be able to count the ATM and see how much short they are, but then after being placed on a brief hold I was told she was not able to do that, and to contact my bank which made the transaction, which was CashApp. 

-Cash App : -I disputed 3 times with Cash App, with 2 out of the 3 experiences being extremely negative and unhelpful. I was hung up on after asking simple questions, and had to call back to file a complaint with the manager. The manager is now reaching out to their " dispute team '' and it is going to take " a couple days '' to get back to me. 

ABOVE IS WAS JUST HAPPENED, THIS IS THE PRE TEXT : XXXX XX/XX/XXXX at XXXX XXXX, I withdrew {$360.00} from Security XXXXXXXX XXXX XXXX XXXXXXXX Iowa XXXX ( total XXXX with fees, {$3.00} operator fee, {$2.00} cash app fee ), and I did not withdraw the money in time at the ATM. The money went back inside the ATM after I did not collect it after the allotted time allowed for collection. I then put my card back in, got another XXXX, and left. I called the next business day ( XX/XX/2023 ), regarding the issue that happened. The bank essentially told me ; this is not our problem, this is Cash App 's problem. Please file a dispute on Cash App 's end and they will handle it. Well, they have not. I have filed 3 disputes and they have all been denied ; because Cash App has FAILED to initiate a proper investigation. They have not even contacted the XXXX XXXX XXXX, Per the President of the XXXX Iowa Branch.

In essence, Cash App needs to be held accountable and my money should be reimbursed into my account as soon as possible. ALL Cash App needs to do is call XXXX XXXX XXXX, verify by VIDEO FOOTAGE I did not get the money, and then refund it into my account. It seems that simple, no? XXXX XXXX XXXX  stated they will not release video footage unless their is an ongoing police investigation, or some sort of legal thing happening. 

However, this is not taking progress. It seems like this issue is not going to be resolved by them. I am living paycheck to paycheck and I need my money as soon as possible. I was withdrawing that money for rent. 


I just want my money back. This seems the only way since CASHAPP has FAILED to initiate a PROPER and LAWFUL investigation, not only failing to provide accurate reasoning but did not even reach out to AFFECTED TRANSITOR.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: OR

Complaint narrative:
I received a notice from my credit bureau, XXXX, that there was new activity on my credit report from IC Systems ( XXXX XXXX XXXX, XXXX XXXX, MN XXXX ). I received a copy of the report that showed IC Systems is attempting to collect a debt from XXXX for an unpaid cable television bill. I contacted IC Systems ( XXXX ) and they informed me that the XXXX  bill ( Account # XXXX ) was from an address in Florida ( XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX ) in the amount of {$1400.00}. I informed the IC System representative that I have never lived in Florida nor have I ever had an account with XXXX, and that this is a fraudulent claim. IC Systems sent me information from XXXX XXXX to file an ID Theft report. The instructions from XXXX XXXX states that XXXX of the steps is to " go to ftc.gov and fill out an incident report with the Federal Trade Commission '', which is what I am doing now. 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 explanation
Consumer complaint received 2024-01-19 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: GA

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize. I also saw several of those accounts showing that i have had late payments. These unrecognized accounts are severely taking a toll on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 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: GA

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize. I also saw several of those accounts showing that i have had late payments. These unrecognized accounts are severely taking a toll on 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
Consumer complaint received 2024-01-19 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: NJ

Complaint narrative:
In accordance with the Fair Credit and XXXX Account # 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 6 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 


XXXX XXXX XXXXXXXX

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 2024-01-19 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: NJ

Complaint narrative:
In accordance with the Fair Credit and XXXX Account # 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 6 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 


XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach. Please help me delete these illegal accounts from my credit report. 
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 non-monetary relief