vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have sent a method for verification letter, requesting information in detail on how my alleged late payment was verified. I have NEVER been late in the over 6 years I've held my XXXX XXXX card. The bureau alleged that I have XXXX late payment in over 6 years of having the card. When the copy I just sent shows there are several inaccuraties in my credit report dealing with my XXXX XXXX account. By law, XXXX XXXX of my information is supposed to be accurate and it clearly not accurate. 

Please provide me as my letter states the method of verification or remove the late payment 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
Consumer complaint received 2021-03-29 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
The sad fact and opinion by experience is Americans like ourselves are being held XXXX by basically corrupt people who believe themselves the good and decent, honorable patriot and some even believers as do they who work for them and execute this fraud comfortably without a care or concern. They allow misinformation and fraud to permeate their reporting system and to boot untimely! That produces lower credit scores and financial abuse. Does all that matter- NO! This will be closed got that closed immediately waiting for these agencies to report or correct and all the while taking their sweet time. Negatives posted immediately! Here is The company has responded that it is still working on your issue. 

We expect companies to respond to every complaint within a reasonable amount of time. The company has responded that it is still working on your issue. You should hear from them again with a final response within 60 days. 

You can log in to see the companys response at CFPBs secure website. You can also review the companys response by phone with someone. 
COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 their own confirmation-

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX Mo XXXX XXXX XXXX XXXX, XXXX, I XXXX presume that no proof of the alleged debt, in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: TN

Complaint narrative:
I opened an account on XX/XX/XXXX, and account says it is waiting for verificaiton. In the interim, it has verified my bank by accepting multiple deposits, however, it will not allow me to remove my money due to " verification pending '' messages. I have consistently been sending support emails, and have even asked that my account be closed and all monies returned to me. I get the same canned response. Here is a sample. 

Hi there, Thanks for reaching out and apologies for the delay in response. 

The recent surge in interest in cryptocurrency has resulted in a backlog of support requests to our team. This has impacted our verification and support queries, which we are working diligently to resolve as quickly and effectively as possible. 

In an effort to help self service your inquiry, we have been actively updating our Help Center ( https : //support.gemini.com/hc/en-us ) with answers to common questions about our platform and services. 

However, if your support case has not been resolved and you still require assistance, please follow up to this automated email by replying directly to this email and an expert will be back to you as soon as possible. 

Once again, thank you for your patience and understanding. 

Onward and Upward, XXXX Customer Support On XX/XX/XXXX, XXXX PM, XXXX wrote : i have sold everything, i need to be able to transfer and close this account ; your verification process is riddled with issues and i wish to take my business elsewhere. I need you to release my funds. 

-- -- -- -- -- -- -- -- -- Submitted from : https : //support.gemini.com/hc/en-us

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The sad fact and opinion by experience is Americans like ourselves are being held XXXX by basically corrupt people who believe themselves the good and decent, honorable patriot and some even believers as do they who work for them and execute this fraud comfortably without a care or concern. They allow misinformation and fraud to permeate their reporting system and to boot untimely! That produces lower credit scores and financial abuse. Does all that matter- NO! This will be closed got that closed immediately waiting for these agencies to report or correct and all the while taking their sweet time. Negatives posted immediately! Here is The company has responded that it is still working on your issue. 

We expect companies to respond to every complaint within a reasonable amount of time. The company has responded that it is still working on your issue. You should hear from them again with a final response within 60 days. 

You can log in to see the companys response at CFPBs secure website. You can also review the companys response by phone with someone. 
COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 their own confirmation-

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 2021-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: NY

Complaint narrative:
I initiated a withdrawal of {$6400.00} XXXX on XX/XX/XXXX from XXXX and the funds have still not arrived in my bank account XXXX weeks later. They are unresponsive in addressing this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
XXXX appears to be engaging in deceptive promotional marketing practices. I called to start a refinance with them on XX/XX/XXXX based on a promotional mailer I received offering a {$500.00} lender credit at closing and a {$500.00} XXXX  gift card mailed once the refinance closed. I communicated this with loan officer throughout the process and e-mailed him a picture of the mailer. I also communicated this with the loan processor and e-mailed her a picture of the mailer. We have had XXXX signings scheduled, XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. The first time no one showed up. The second time the notary arrived with documents that excluded the promotion. Despite repeated e-mails and phone calls to both the loan officer and loan processor, it took XXXX days for them to get back to me. The loan processor said the issue lies with the promotional department and she is having the same issue with XXXX other customers. Clearly theres an effort by XXXX to avoid honoring their promotions. Im concerned that other customers may either give up or not recognize that they are not getting the promotion. For XXXX loan processor to have XXXX customers going through the same issue is a clear indication of a systemic attempt to defraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Concord Servicing Corporation
State: MA

Complaint narrative:
I see multiple XXXX  days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2021-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I ask that they have this investigate and have this account reported accurately and REMOVE the late marks as it is severely affecting my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
XXXX XXXX has reported my account as a Charge Off ( AGAIN ) since I filed my complaint on them XX/XX/2021. The dispute and investigation is ongoing right now. I received a credit alert from XXXX XXXX XXXX Equifax indicating XXXX has sent charge off information again to them. In my existing complaint, this is one of my complaints that they are sending erroneous and inaccurate information to the credit bureaus as well as, harassing me for payments. Additionally, XXXX is reporting this information back to back each month. I thought credit reporting was reported once a month, however all there credit bureaus are allowing XXXX to report information 2 to 3 times each month, one day after the other. For example, XXXX reported Past Due 120 days on XX/XX/2021 and as a Charge Off on XX/XX/2021 BUT they had already reported this very same information on XX/XX/2021???? This is illegal according to FDCPA rules. In addition, XXXX has received monies from my insurance company, warranty and me to pay this vehicle off. I have reported this information to Attorney General 's XXXX in the state of Arkansas as well and do indeed intend on suing XXXX for their rogue and illegal actions. I have tried to submit a dispute with all 2 credit bureaus concerning this issue in the past and on today ; and I can not. Their system states, I have already disputed this item, several months ago ... and the submission to dispute continually fails to upload- again ruining my credit. This very issue- is an open investigation CFPB XXXX # XXXX. I am sending a copy of this complaint to all XXXX credit bureaus and officially filing a complaint against them today as well for their actions of denying me submission to dispute this matter. Due to this deliberate attempt on XXXX 's behalf my beacon points decreased by XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AmeriCollect
State: NJ

Complaint narrative:
I received no written notice on the debt owed from the company. I received two robo voicemails : one on XX/XX/21 from XXXX XXXX IL, XXXX on XX/XX/21 from XXXX XXXX, FL. From there, the calls were then blocked automatically for appearing to be fraudulent. Calls were made from numerous different locations, and without any written notice given, this seemed to be a scam. Then, still with no written notice, and no further contact, Americollect issued a derogatory mark on my credit. No actual information was given to pay this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX XXXX XXXX and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
Toyota Motor Credit has taken the money from my bank account, but refuse to apply that money to my balance. 

I have called four times regarding this issue, all I get is a stalling tactic of " it will happen in x number of days ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FC HoldCo LLC
State: TX

Complaint narrative:
I purchased a vehicle with XXXX XXXX services in XX/XX/XXXX. I have never been late with payment and payed over, resulting in my $ 462 monthly payment being on {$62.00} the month of XXXX. I purchased a new vehicle on XX/XX/XXXX, the due date of flagship. The loan from Flagship was transferred to capital XXXX that date. XXXX has a questionable reputation, so even though I had already been released from my loan. I paid {$70.00} to ensure I was not hit with a late fee, with the assurance that this would be refunded as my payment was not included in the payout. Not only did they XXXX not return the already paid funds but they are charging for another month. When I called, the representative stated they did not receive a payout when I have the paperwork from XXXX XXXX stating that it has, along with the title of release.

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 2021-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
XXXX XXXX has reported my account as a Charge Off ( AGAIN ) since I filed my complaint on them XX/XX/2021. The dispute and investigation is ongoing right now. I received a credit alert from TransUnion, XXXX XXXX XXXX  indicating XXXX has sent charge off information again to them. In my existing complaint, this is one of my complaints that they are sending erroneous and inaccurate information to the credit bureaus as well as, harassing me for payments. Additionally, XXXX is reporting this information back to back each month. I thought credit reporting was reported once a month, however all there credit bureaus are allowing XXXX to report information 2 to 3 times each month, one day after the other. For example, XXXX reported Past Due 120 days on XX/XX/2021 and as a Charge Off on XX/XX/2021 BUT they had already reported this very same information on XX/XX/2021???? This is illegal according to FDCPA rules. In addition, XXXX has received monies from my insurance company, warranty and me to pay this vehicle off. I have reported this information to Attorney General 's XXXX in the state of Arkansas as well and do indeed intend on suing XXXX for their rogue and illegal actions. I have tried to submit a dispute with all 2 credit bureaus concerning this issue in the past and on today ; and I can not. Their system states, I have already disputed this item, several months ago ... and the submission to dispute continually fails to upload- again ruining my credit. This very issue- is an open investigation CFPB XXXX # XXXX. I am sending a copy of this complaint to all XXXX credit bureaus and officially filing a complaint against them today as well for their actions of denying me submission to dispute this matter. Due to this deliberate attempt on XXXX 's behalf my beacon points decreased by XXXX points.

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 2021-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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: AR

Complaint narrative:
XXXX XXXX has reported my account as a Charge Off ( AGAIN ) since I filed my complaint on them XX/XX/2021. The dispute and investigation is ongoing right now. I received a credit alert from XXXX  Experian and XXXX indicating XXXX has sent charge off information again to them. In my existing complaint, this is one of my complaints that they are sending erroneous and inaccurate information to the credit bureaus as well as, harassing me for payments. Additionally, XXXX is reporting this information back to back each month. I thought credit reporting was reported once a month, however all there credit bureaus are allowing XXXX to report information 2 to 3 times each month, one day after the other. For example, XXXX reported Past Due 120 days on XX/XX/2021 and as a Charge Off on XX/XX/2021 BUT they had already reported this very same information on XX/XX/2021???? This is illegal according to FDCPA rules. In addition, XXXX has received monies from my insurance company, warranty and me to pay this vehicle off. I have reported this information to Attorney General 's XXXX in the state of Arkansas as well and do indeed intend on suing XXXX for their rogue and illegal actions. I have tried to submit a dispute with all 2 credit bureaus concerning this issue in the past and on today ; and I can not. Their system states, I have already disputed this item, several months ago ... and the submission to dispute continually fails to upload- again ruining my credit. This very issue- is an open investigation CFPB XXXX # XXXX. I am sending a copy of this complaint to all XXXX credit bureaus and officially filing a complaint against them today as well for their actions of denying me submission to dispute this matter. Due to this deliberate attempt on XXXX 's behalf my beacon points decreased by XXXX points.

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 2021-03-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
My identity has been compromised by somebody I do not know. Please feel free to XXXX me if you have any questions or concerns.

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 2021-03-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: GA

Complaint narrative:
I did not receive a written notice of an attempt to collect. This collection was posted on my credit report. This debt was paid in full, and I do not owe. I have disputed the debt with the credit reporting agency, but they are saying the collection agency has provided proof of debt. This debt was paid in full to XXXX XXXX on XX/XX/19.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Recently had an account show up on my credit report and the credit bureau was asked to verify its validity sent a correspondence on XX/XX/2020 the matter has not been resolved and the dispute has been open since. For XXXX, TransUnion and 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