vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: PR

Complaint narrative:
Reported the incorrect debt to XXXX ( XXXX XXXX ) on XX/XX/XXXX. Spoke to a service rep and answered all information required. She told me that the debt was originated from someone and/or service on XXXX XXXX XXXX XXXX, TN on account num ber XXXX. I told her that i had always lived in XXXX XXXX XXXX and never been on TN. She mentioned that this looks like a typical ID theft and opened a dispute case for me. XXXX XXXX ( XXXX ) fraud dispute case number XXXX. Initially discovered the issue when looking to my credit report on XXXX where i opened a dispute on report number XXXX. 

The debt was reported to the Credit Burreau by I C Systems INC on XX/XX/XXXX account number XXXX for the amount of {$1100.00}

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 2023-11-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Westlake Services, LLC
State: OH

Complaint narrative:
On XX/XX/XXXX around XXXX I arrived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX to apply for a vehicle. XXXX XXXX is the Vehicle XXXX handling the credit application for the vehicle. He was informed I would be using the XXXX for my business that is owned by XXXX XXXX XXXX XXXX XXXX and XXXX this is a Consumer Credit Transaction. He informed me that the credit application had been given to the XXXX XXXX XXXX and ran to XXXX XXXX for the extension of my credit. Actually, it appears the request has been sent to XXXX different banks and XXXX XXXX does not appear on that list. However, I confirmed XXXX different times that my credit is approved for the white XXXX XXXX LS XXXX ( XXXX : XXXX ) but I was told a down payment of {$5100.00} is required first. The standard price for this vehicle is {$26000.00} and total vehicle price is {$28000.00}. I am not sure how much the loan approval was for, as I was not told, but the offer to use gold/silver was presented. I thought per the Gold Clause Act and laws referring to lawful money, this would mean that the full satisfaction of the debt would be met by doing so. The XXXX XXXX XXXX stated he would use the gold/silver for up to 75 % conversion. 
As the single owner XXXX '' individual '' /unincorporated association XXXX XXXX assumed the Consumer Credit Act ( XXXX XXXX ( XXXX ) would apply to my application as well as the proper endorsement " by : XXXX, XXXX XXXX ''. 
Per the FCRA, XXXX XXXX XXXX, XXXX XXXX XXXX a ( b ), XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( f ), XXXX XXXX XXXX and XXXX XXXX XXXX I am requesting clarity and guidance. This business seems fair and has been kind to me thus far, and I would like to commence my business with them, but our information seems to be conflicting at the moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 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: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I have received 3 Amex rewards cards in the amount of {$25.00} a piece in the past year. I've tried many time to use them. Ive tried using them everywhere that accepts Amex cards. They are always declined and my purchase is always with in the balance amount. They just don't work. And when you call them to check your balance the give the balance and tell you it is active and it should work, but give no explanation as to why they aren't working. They give me a number that is for XXXX and XXXX gift cards that does absolutly nothing to help. I am frustrated beyond words. I just received a new one from my company again a few days ago and tried today, XX/XX/2023, to use and the card was declined. I called again and was given that number to call XXXX XXXX XXXX which is for a XXXX or XXXX gift card. No help at all. I have all the account numbers, expiration dates and balance of all the cards

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-02 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: WI

Complaint narrative:
My student loan payment is due today, XX/XX/23 with Nelnet after recently being tansferred from Great Lakes. I logged in online to make the payment and the website informed me that the payment would not be made until XX/XX/23 because it was roughly XXXX XXXX  EST ... apparently the cut off is XXXX XXXX  EST. 
I then called to see if I could make the payment via phone, but there is a XXXX Minute wait time to speak with someone. I made the payment via their IVR/Automated system . The system told me the payment would be in effect for XX/XX/23. the email confirmation states the payment effective date will be XX/XX/23. I do not yest know if this will be considered a late payment as I am still on hold ( XXXX Minutes ) trying to speak with someone. How can a loan servicer be allowed to have XXXX Minute wait times? Secondly, there is no information found online regarding if this payment will be considered late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Im unable to get my updated credit score from Equifax using XXXX XXXX or Equifax.com, I called and they said theyre working on it .. Equifax says Please give us a call and give this code to the Agent : XXXX Your Equifax credit report and score are not available at this time due to a technical error. Please call Customer Care at XXXX ( XXXX XXXX ). 
I called. Agent said theyre working on it.!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 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: TX

Complaint narrative:
15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Forbes act

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 2023-11-02 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: TX

Complaint narrative:
15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Forbes act

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 2023-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was texted by a number claiming to be chase fraud about two transactions on my account. I then received a call claiming to be Chase Bank fraud so I followed all instructions and they told me we were closing my accounts and transferring all my money into new accounts so once I transferred {$25000.00} to a XXXX XXXX XXXX XXXX account I checked my accounts and there were no new accounts so I hung up and called chase and they informed me it was not them who called me. Chase Bank was unable to recover the funds and denied my claim when this is definite fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 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: NY

Complaint narrative:
To whom it may concern, I hope this time someone will help me resolve my issues concerning these 2 fraudulent accounts that have no valid authorization from me. Some have made use of my personal information and I kept reaching out to the credit bureaus with my Identity Report attached to my XXXX 's letter but nobody has taken this concern seriously.

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 2023-11-02 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: EQUIFAX, INC.
State: NY

Complaint narrative:
To whom it may concern, I hope this time someone will help me resolve my issues concerning these 2 fraudulent accounts that have no valid authorization from me. Some have made use of my personal information and I kept reaching out to the credit bureaus with my Identity Report attached to my XXXX 's letter but nobody has taken this concern seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 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: IA

Complaint narrative:
I have had multiple issues with my loans since they were switched to MOHELA. First, the loan payoff calculator was not working on the site. So when I tried to pay off a loan in full, I accrued interest during the time the payment processed and was unable to fully pay off the loan. When I called MOHELA, I waited for over an hour, then got disconnected, and no one called me back ( despite asking me for a call back number in case of disconnection ). I then sent a message through the portal, and the response was that I had already called about this issue and to call again with further questions. When I replied to that email, I received a standardized answer detailing loan repayment. 

The larger issue is accruing interest. I am in repayment and on the SAVE plan. I made my payment ( the full required payment ) on XX/XX/XXXX ( was due XX/XX/XXXX ). Under SAVE, the remaining interest is supposed to be forgiven. I have continued to accrue interest since this payment. When I called MOHELA, I was told that they do not know when remaining interest will be forgiven and that I must log on daily to check my account and time it correctly in order to make additional payments that would go towards my principle balance. There was no further suggestions on how to predict when this would happen. I have checked my account daily, and continued to accrue interest. Today ( XXXX ) my interest for each loan has gone down, but is still not XXXX. So any additional payments would still go towards the interest. I received documentation from MOHELA detailing the SAVE plan, yet this is not what is happening. This is hundreds to thousands of dollars that we are playing around with, and MOHELA is taking no responsibility and has no answers as to why the interest has not been forgiven. 

It is very frustrating to call the loan servicer and have no answers. I am working hard to pay off these loans, and it will be impossible if the interest is not forgiven as it should be. I also don't feel I should have to log in DAILY to check to see if and when this happens. Especially since I have no idea what to expect, or when I've missed the window for when it should be forgiven- does it restart on the XXXX each month? After a payment? There has been no clear communication for borrowers. MOHELA 's communication and customer service is unacceptable. It seems like they are purposely not forgiving interest so that they can make more money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02 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: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX - This is the original complaint number. 

I requested to have all false names be removed from my credit report and that is not happening. 
These wrongful accounts were attached to my credit and were fraud. 
I did not request for my name to be edited or updated. 
I requested that these false names and accounts be removed and deleted. 
Changing or editing the names/account does not solve my problem as these accounts are not mine and were not opened by me. 
These names and accounts need to be deleted not edited/changed. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 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: GA

Complaint narrative:
I requested a switch to the SAVE plan in XXXX, XXXX, and filled out the requisite form on Nelnet 's website. I have not received any updates or correspondence from them since. Three weeks ago, I logged into my account at Nelnet and saw a notice ( attached below ) that they can not process my application unless I pay a fee. However, they do not state the amount owed or provide a means to pay this mystery fee. The notice says I should have received something by mail or email re : the amount due and how to pay it, but I have never received anything from them. I emailed Nelnet two weeks ago and requested clarification on this issue, but never received a response. Attempts to reach them by phone have proved futile due to hold times in excess of four hours with no call-back option. Presently, the Nelnet site says I don't have any payment obligation until XX/XX/XXXX, but that makes no sense. It says I have {$0.00} at this time despite the notification to the contrary ( the mystery fee ). 

According to posts on XXXX XXXX  interest may be accruing during this time, yet I have no idea what amount I need to pay to cover my interest each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 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:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 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: FL

Complaint narrative:
Please delete this account and delete these inquiries XXXX XXXX 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 explanation
Consumer complaint received 2023-11-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please delete this account and delete these inquiries XXXX XXXX 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 2023-11-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: OH

Complaint narrative:
On XX/XX/XXXX, I spoke with a rep about fixing deferments on my student loan account. At that time, I was assured that all of my loans would be out of deferment, per my request. One of my loans is still showing in deferment. I have sent messages on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX requesting to again to have the deferment removed. I have not heard back from them yet and that loan is still showing deferment. 

Further, from XX/XX/XXXX thru XX/XX/XXXX, all of my loans were in repayment. I had dropped out of my XXXX program in order to consolidate ( can't consolidate loans in deferment ) all of my loans. The loans were successfully consolidated, but Mohela is not showing those as having been in repayment and counting as 10 months of payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 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: CO

Complaint narrative:
I made my first payment on XX/XX/2023 by bill pay from my bank account. Payment was posted & MOHELA states they never received payment. I keep getting letters that state I am past due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 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: CO

Complaint narrative:
I had sent out my first letter to Experian on XX/XX/22 to try and remove some incorrect information on my credit report. From then until now I have sent 7 more letters to them and have not seen any change in my credit report. I have repeatedly received letters and emails stating that they think I'm using a third party to dispute for me. I find this very insulting because I do not need to hire someone to send letters for me. I do not believe that Experian is actually investigating what I am sending them since there is nothing being done.

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 2023-11-02 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: NJ

Complaint narrative:
None of these accounts belong to me. delete it from credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never had late payments with any of these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries are not mine. 

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 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I am writing to demand the immediate removal of inaccurate charge-off reporting from my credit profile by TransUnion LLC XXXX I firmly believe that this reporting is in direct violation of the Fair Credit Reporting Act ( FCRA ), particularly under 15 USC 1681b.

I have recently reviewed my credit report obtained from TransUnion and have identified inaccuracies related to charge-off accounts. This misinformation is severely detrimental to my creditworthiness and financial standing. I insist on the swift removal of these inaccuracies, as required by the FCRA. 

I demand that you take immediate action to remove these inaccuracies from my credit profile. Delays or further investigations are unacceptable in this matter.

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 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX Ssn XXXX Phone number XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX Re : Dispute of Inaccurate Information on My TransUnion Credit Report Dear TransUnion, I am writing to dispute the accuracy of the information on my TransUnion credit report. After reviewing my TransUnion credit report, I have identified an item that I believe is reported incorrectly. The details of the disputed account are as follows : 1 : XXXX XXXX XXXX  2 : Dispute of Collection Account from XXXX Account Number : XXXX XXXX Current Balance : {$180.00} Payment Status : Collection I have carefully reviewed my credit reports from XXXX and XXXX, and neither of them reports these collection account. Therefore, I believe that there may be errors or inaccuracies in the TransUnion report. 

I kindly request that you investigate this matter and verify the accuracy of the information being reported. I do not acknowledge any debt with the creditor. This dispute is solely a request for an investigation of the accuracy of the information. 

I expect you to complete your investigation within the 30-day period required by law and provide me with the results. If the information is indeed found to be inaccurate, I request that you remove it from my TransUnion credit report.

Enclosed, please find copies of supporting documents, including evidence that may assist in your investigation. 

Thank you for your prompt attention to this matter. Please respond to my dispute at the following address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX Sincerely, 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