vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: TMX Finance LLC
State: IL

Complaint narrative:
I was in dire need of money to pay for rent, so on XX/XX/XXXX I went to TitleMax in Wisconsin where they gave me a loan for {$2500.00} against my XXXX XXXX XXXX XXXX. In XXXXXXXX XXXX  XXXX I called XXXX to find out how much my the pay-off amount would be for my XXXX XXXX XXXX and to my surprise it was more than what I had actually borrowed even after making 6 months worth of payments to them. I didn't understand why it was so much since I was paying them {$310.00} a month, but obviously the monthly payments I was paying for went to the excessive interest TitleMax was charging me and nothing was going towards the principal amount of the money I had borrowed against my vehicle. In XX/XX/XXXX I had XXXX XXXX and was off for XXXX weeks and my financial situation took a turn for the worst. Anyway, I wasn't getting a paycheck and things got behind to were I wasn't able to make my payments to TitleMax. Now, my children and I have been displaced and I am three months behind in paying for my vehicle and fear that they will repossess my car making it difficult for me to find a way to support my children and I. I have called the Illinois Attorney General office for help but they stated that TitleMax is no longer located in the state of Illinois and because of that reason they couldn't assist me, since they didn't have jurisdiction over them in Wisconsin. I also have another vehicle in for rent on XX/XX/XXXX from the same TitleMax in Wisconsin that was used as collateral. It's a XXXX XXXX XXXX that is jointly owned by my boyfriend who not only has major XXXX XXXX, but was on workmans comp from XX/XX/XXXX until XXXX which is behind and in danger of repossession as well, which he uses to get back and forth to work. The loan situation is the same excessive interest rate with the monthly payments not going towards the principal amount owed. Both vehicles are in my name with TitleMax, with my boyfriend signing a release form for the title of the XXXX XXXX, since it's jointly owned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Happy Money, Inc.
State: ID

Complaint narrative:
I have been trying to make my loan payment for weeks now. I have lost track of how many people I have talked to trying to resolve this issue. Their website was having problems so I scheduled a payment through them that they never took out. I attempted making the payment multiple times before this. They asked that I change my bank account on file so I added another. They said that it didn't work and to add a third bank account which I do not have. I had to change the bank account again and now they are saying it will take 5 days to change it. They have been spamming me with calls texts and emails about the overdue payment even though they know I have been trying to make the payment and the issue is on their end. They said they are going to report it to the credit company if it is 30 days past due. Its getting close to 30 days and now they will not even respond to me regarding the issue. I have had XXXX people stop responding to me and I am at a complete loss on what to do. I've tried making the payment online again and it says I can't because there is a scheduled payment. That scheduled payment date has past and I asked that they cancel it 3 times so that I can attempt online again and they won't do that. I have done all the contacting by either email or text so that I have the receipts to prove I have been doing everything that I can and they will not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 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: ID

Complaint narrative:
I have a new student loan service called Mohela. I have tried 10 times to speak to a human being. I never got through. I held on the phone for hours. I am XXXX XXXX XXXX. I am retired. I was in an Income driven plan before the pandemic pause. Now I recieve a monthly bill of {$440.00}. I can not pay this on my SS check. I also think I qualify for loan forgiveness because I worked for XXXX not for profit organizations. I submitted those forms. My bill is due tomorrow and I can not get a hold of anyone at Mohela.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX Balance : {$280000.00} XXXX XXXX XXXX Balance : {$0.00}

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 2023-10-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: IL

Complaint narrative:
Have provided all hospitals with XXXX number to pay for medical bills. Never received anything from hospitals or credit collection agency about this medical debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I'm getting emails still from Amex telling me my account is closed etc etc. 

They are NOT supposed to be contacting me and sending me anything yet their email states they will.I I don't live at the address you are sending it to so good luck with that... 

2. Cease with the emails XXXX number XXXX. 

Every other card knew to leave me alone and close out the accounts. 

All you do is e-mail. 

Stop communication! At this point the lawyer is going to get involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 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: GA

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. 

Account Name : XXXX XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2023-10-12 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:
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. 

Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2023-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Resurgent Capital Services L.P.
State: DE

Complaint narrative:
XXXX XXXX brought XXXX XXXX XXXX XXXX account that was in collections now its saying I owe them money I asked for Verification of this account from being on the owner of this account before even being bought I also asked for them to send me some type of verification that my Signature is on this account and the old account because I never signed up for no account at all

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: IL

Complaint narrative:
On XXXX, XX/XX/2023, I attempted to contact Nelnet about questions regarding my student loans. They do have a lot of information on the website, but not exactly what I was looking for. I waited on hold for 50 mins and was unable to talk to anyone. Today, XXXX, XX/XX/2023, I called again and waited 2 hours and 5 mins without being able to get ahold of anyone. I emailed them through their system which says that emails are extremely delayed and it may take a long time to receive a response, I have not received one yet as of this complaint. I am now back on hold on the phone and its been 24 mins without an answer. I keep hearing recordings saying I should find my answer online, yet its not clear on their website about the question I have. I do not have the time to sit on the phone on hold without getting anyone to speak to me when I have a loan payment coming up. It has been terrible customer service. I understand I am not the only person suffering this due to all loans coming out of forbearance at this time, but I need to speak to someone. I dont know how else to resolve this as Ive made several attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 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: PA

Complaint narrative:
I am writing to request an investigation into potential fraudulent activity on my credit report. After reviewing my credit report, I noticed inquiries that I do not recognize and believe to be fraudulent. 

See below : 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 2023-10-12 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: AL

Complaint narrative:
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 These hard inquiries are not mine this information is incorrect and needs to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 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: FL

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. The last letter sent to 3 credit bureaus was XX/XX/2023, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: AL

Complaint narrative:
Checked my XXXX credit score and it went down XXXX points due to a collection that did not belong to me. The company is Texas based called XXXX XXXX. I live in XXXX, AL and we do not have that provider here in Alabama. The account is in collections for {$590.00}. I have issued a dispute with XXXX. This has happened before, so I placed an alert and froze the account. This fraud still happened. It's an individual account and ends with XXXX. I called XXXX and they could not provide account number or any specifics. It states the first delinquency was XX/XX/2022.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian 's repeated failure to conduct thorough investigations of disputes and their ongoing reporting of inaccurate credit information constitutes a direct violation of my rights under state and federal credit reporting laws. Despite multiple attempts to engage with Experian to resolve these issues, no meaningful corrective action has been taken. 

The consequences of this sustained neglect by Experian have had a severe and adverse impact on my financial well-being, creating significant financial hardships and emotional distress in my life. It is evident that their non-compliance with essential credit reporting regulations is causing me undue suffering, and I am left with no alternative but to explore legal avenues for resolution.

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 2023-10-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: AZ

Complaint narrative:
I am a full class member of the XXXX XXXX XXXX  lawsuit with a Borrower 's Defense case against XXXX  XXXX XXXX and XXXX XXXX XXXX  with loans being serviced by Aidvantage. While Aidvantage has removed my loans relating to XXXX  XXXX XXXX earlier this year they are refusing to remove the loans relating to XXXX XXXX XXXX. To make matters worse, Aidvantage has moved forward with putting loans from XXXX back into repayment and charging interest in violation of the settlement agreement that they are legally bound to comply with. Aidvantage blames the Department of Education for not informaing them but, when I communicate with the Department of Education, they blame Aidvantage as I've been told they have been informed. 

Both Aidvantage and Department of Education are bound to the settlement of this lawsuit. 

After months of conversations, I was able to get the Department of Education to communicate the forbearance with Aidvantage but Aidvantage continues to charge interest which increases my balance and hurts my credit against the settlement agreement. The reality is that all these loans are supposed to be fully discharged... Not being put back into repayment and/or collecting interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: AK

Complaint narrative:
I applied for the SAVE plan on XX/XX/2023. I have still not been transferred to this plan, and it's XX/XX/2023. I called Telnet repeatedly and could not get ahold of anyone despite waiting over two hours. I finally got someone who told me that it would only take 30 days, and that the interest would not accumulate after the date I applied. However, my interest has continued to accrue and I am still not on the SAVE plan. I can't make payments on my loans until this is fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-10-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: CarMax, Inc.
State: TX

Complaint narrative:
Creditor : Carmax Auto Finance Months : XXXX, XXXX and XX/XX/2023 Current Status : 30-59 days late In accordance to the Under the Fair Credit Reporting Act ( FCRA ), this creditor has violated my rights of reporting inaccuracies of payments that has been made on time. The account has been current for 4 months now, So the current status should reflect on time. 

Under 15 U.S.C 1681A section 602 ; says I have a right to privacy Under 15 U.S.C 1681A section 604A section 2 ; consumer reporting agency can not furnish an account without my written consent.

Under 15 U.S.C 1666B ; a creditor my not treat a payment on an open consumer account as late for any purpose.

Under 15 U.S.C 1666CA Prompt and fair crediting of payments, Payments received from an obligor under an open end consumer credit plan by the creditor shall be posted promptly to the obligors ac- count as specified in regulations of the Bureau . Such regulations shall prevent a finance charge from being imposed on any obligor if the cred- itor has received the obligors payment in read- ily identifiable form, by XXXXXXXX XXXX. on the date on which such payment is due, in the amount, man- ner, and location indicated by the creditor to avoid the imposition thereof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: OR

Complaint narrative:
XXXX Purchased a {$500.00} Visa Vanilla Card from Local XXXX Located in XXXX Oregon. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Card never worked at multiple locations, group returned and i started the process to inquire why on XX/XX/XXXX, their response was that it was not activated at the store and to upload receipts and my matching identification. Emailed all requested documents XXXX and XXXX when I did not receive any update. Received email XXXX .saying card was reactivated but when checked the balance was XXXX Called back 3 times and told to wait 48hrs for a response, never happened. XXXX asked for supervisor was told case was escalated and wait another 48 hours. Called back XXXX and was told no change case was still escalated. Called XXXX told time had expired on the escalation and had to be reopened and told they would respond with a phone call, never happened. Called XXXX said there was no action asked for supervisor, call transferred and supervisor never picked up.

Company response to consumer: Closed with explanation