vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Grain Technology, Inc.
State: MD

Complaint narrative:
Grain XXXX has been knowingly reporting false information to the credit bureaus and has damage my credit over XXXX points.saying my account is delinquent as well as prior not reporting payments Since XX/XX/2021 I have been asking and demanding grain to fix the matter with no resolution in sight. They never updated my payment method on file to make payments have been charging me late fees and interest on an account they had yet fixed so I can make payments. Instead of resolving the matter they just reported as if I didnt make payments and charged me fees. I have an entire XXXX XXXX I plan to sue them if this isnt fixed and how can I just get this fraudulent company to return my security deposit as well as remove them altogether off of me credit report because they are fraud at this point. No one tries to help and just recently customer service today on XX/XX/XXXX and XX/XX/XXXX just now sending a link to make a payment after they have already damaged my credit put on late fees requesting me to pay so they can fix it when its already damaged I been trying to pay the entire balance off for MONTHS me paying it off now will not fix the issue they need to fix and report to the bureau so my credit is fixed once they do that I have no issue paying and requesting my {$200.00} security deposit back as well. This company has been moving very untrustworthy I dont trust them to follow through on anything and they barely respond back. The degree and damage this caused Im turned down on things now. Im not the only one who this company has had this issue with them in regards to payments and wrongful credit reporting its all listed in the XXXX XXXX under grain the digital credit card. They need to report the last amount they last reported so my credit is fixed and allow me to make my payment and report that in timely filing as well in which they have failed to do as well its a huge mess with this company and very unacceptable.please see below I have attached some info as proof as well as complaints from other people who have been going through this as well

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/2021, I logged into my XXXX account at United Airlines and opened a link at their site to apply for a new United XXXX XXXX Personal credit card. The credit card I chose was the United XXXX Card offering XXXX XXXX miles after {$2000.00} on purchases in the first 3 months. I was approved for this card, received the credit card on XX/XX/2021 and completed {$2000.00} purchases on XX/XX/2021. I paid the statement balance {$2000.00} in full on XXXX XXXX. 
On XX/XX/2021 I called XXXX United Customer Service and spoke with a person named XXXX and asked why I had not received my XXXX United miles. She told me that I had made a mistake and did not apply for the correct credit card, She said I applied for XXXX miles after spending {$3000.00} in the first 3 months. At no time was I informed that I had received a different card than what I had applied for. 
I received a letter dated XX/XX/2021 from Chase Cardmember Service again stating that I had applied for the XXXX miles, {$3000.00} in the first 3 months and that I failed to spend the {$3000.00} first 3 months and there was nothing they could do. 
On XXXX XXXX I received a call from a lady named XXXX who said she worked for Chase and they would be in touch regarding my request to giving me the XXXX miles. 
On XX/XX/2021, I again wrote a letter to Chase Cardmember Service stating that as of this date I have not received any reply from Chase and would they please contact me to solve this problem. 
When my XXXX XXXX United credit card statement arrived I noticed that they had posted XXXX Enrollment Bonus miles to my account. 
As of today, XX/XX/2021 I have never had any contact from Chase, nor have I received the XXXX miles as per their credit card offer that I applied for,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I consumer XXXX XXXX sent CAPITAL ONE a cease and desist on XX/XX/2021. I am the consumer and I'm not obligated to pay ANY debt under the FDCPA ( Fair Debt Collection Practices Act ) 15 usc 1692a ( 3 ). CAPITAL ONE ignored my cease and desist and continued to contact me through several mediums violating my federally protected consumer rights. CAPITAL ONE has failed to validate any debt under 15 usc 1692g. CAPITAL ONE continues to harass, oppress and abuse me as the consumer. This debt is already paid. CAPITAL ONE sends statements that are false and misleading in a positive balance and ask for payment on a positive balance. CAPITAL ONE is causing me to be sick and causing financial hardship by reporting false information to the credit reporting agencies without my permission. This is identity theft. I demand that the harassment stops, this is violating my rights. 15 usc 1692d ( 2 ), they must not harass me as the consumer. CAPITAL ONE closed my account of extension of credit. This is illegal, they can't close an account when I extended them credit under the provisions of 15 usc 1691.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am writing this dispute because I believe it is against the law for a hard inquiry to stay on my credit without permission of me I have no account with the lenders this was ran through a third-party without my permission for these particular company thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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 — Problem with personal statement of dispute
Company: Westlake Services, LLC
State: PA

Complaint narrative:
I am writing this dispute because I believe it is against the law for a hard inquiry to stay on my credit without permission of me I have no account with the lenders this was ran through a third-party without my permission for these particular company thank you

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Called by XXXX, told I owed XXXX {$700.00} to XXXX XXXX ( I do not use this energy provider ). Address provided was incorrect. They advised me that someone was likely using my identify and to file a police report, but they also asked for last XXXX of my SSN and mailing address to send physical bill which I gave them. I have since blocked their number. 

Upon looking this up, others with similar experiences have said the company is XXXX XXXX and that it might be a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX  refuses to take my name off early warning services all debts have been paid and they refuse to update the information that was cross reference with my social security number. I contacted early warning services this morning and was told to contact the institution the supervisors of XXXX XXXX XXXX  have no means to help. XXXX XXXX XXXX  is the worst financial institution because they cross reference my ssn with a fraudulent account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC

Complaint narrative:
Is this some sort of scam? Absolute joke of a company with no customer service. I have money waiting on a nifty XXXX account that I need to pay my bills and I cant withdraw it as Gemini are not verifying me when Ive done exactly what they asked me to do. I have a mate who waited over a month, I can not wait that long! Absurd

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE
State: TN

Complaint narrative:
My social security check was direct deposited, as usual on XX/XX/2021, yet it was not showing in my account. After giving it a few days, I reached out to Schwab customer service. The agent was adamant that a ) the deposit was never made, and b XXXX the Treasury Department had not issued the payment. I checked my account on the XXXX website. The agent had not been truthful. It showed the deposit made on XX/XX/2021. I contacted customer service again. The agent gave me the same false information ; payment never sent, payment never received. 

I called social security. The XXXX agent verified that all account numbers were correct and that payment was, indeed, made on XX/XX/2021. 

Once again, I contacted Schwab customer service. This agent was able to confirm that Treasury had made the payment. But, the bank has no idea where it is or when I might receive the funds. 

As of today, I still do not have my money or any estimate as to when it is expected. Of course, this has created a hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: FL

Complaint narrative:
I have tried for over 4 months to get a loan modification due to me losing my job. The co borrower is in Bankruptcy and having a difficult time as well. After I pay my mortgage, I don't have food to eat. I have since taken a job, two counties from where I live. Gas prices has increased. I have submitted everything the modification department requested and was told they had everything. Cardinal Financial has yet to communicate with a response. I'm only behind XX/XX/2021 Account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Sterling Infosystems Inc.
State: CA

Complaint narrative:
XX/XX/XXXX Sterling Talent Solutions Did employment background screening. 
It was reported on a XXXX report a XXXX XXXX that took place back in XXXX 
The Fair Credit reporting act states the report must show the date the crime was committed not the date the case was resolved. 

After Explaining this to Sterling an agent -- -- -- -- " said it no longer matters conviction happened employer doesn't want a conviction. '' It is an SEC-regulated company if anyone should be reporting fair and honesty and abiding by what the law stated it should be companies such as these. 

Sterling Talent Solutions said they went to the courthouse to get information and I was wrong. 

I contacted the courthouse they stated they do not offer this information to 3rd parties. 
I have a paper showing my case was a XXXX 


Also They created a virtual list of incidents that had to happen but on the side, they wrote clear. Its a form of a virtual background check because the people that work there know The incident happened but since it says " clear '' they feel They are following the law of The Fair Credit Reporting Act. 


I am a resident of California.  And the XXXX was in Oregon. 

I want to know what data furnisher provided this information to Sterling Talent Solutions it is my right because it is inaccurate. 

It cost me a job That I really wanted. 
I feel I have been seriously affected by this temporarily. 
The XXXX offer was for {$200000.00} I feel that was a major setback due to inaccuracy Sterling has not worked with me. 

I asked where they got this information They said they went to the courthouse. 
I contacted the courthouse. They did not get it there.

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 2021-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: AZ

Complaint narrative:
collector is not licensed in Az collector has my personal information including my social security totally illegal

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 2021-08-16 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: PA

Complaint narrative:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter on XX/XX/2021 ( 67 days ago ), exercising my rights under FCRA 611 ( a ) ( 15 U.S.C.1681i ) I challenged the accuracy, compliance and report-ability of these accounts below. 

1. USDOE/XXXX  : Account number : XXXX I was never late. Please remove this account from my credit report. 

2. USDOE/XXXX : Account number : XXXX Please remove this account from my credit report. This account is showing several late payments, and I am for certain that I was not late during these months. 

3. US DEPT ED : Account number : XXXX The reported balance is incorrect. Please delete. 

4. US DEPT ED : Account number : XXXX There should be a zero balance. Please delete. 

5. US DEPT ED : Account number : XXXX The date of last activity is incorrect. Please delete. 

6. US DEPT ED : Account number : XXXX This account is reporting inaccurate and unverifiable information. Please delete. 

7. XXXX XXXX  XXXX : Account number : XXXX The reported balance is incorrect. Please delete. 

8. XXXX XXXX : Account number : XXXX There should be a zero balance. Please delete. 

9. XXXX XXXX XXXX : Account number : XXXX Please remove this account from my credit report. This account is reporting inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
My daughter attended XXXX XXXX XXXX back in XXXX. She obtained several loans to continue her education, however she continued to defer the payments, filed bankruptcy, I also filed bankruptcy, she continued her education and I feel that the school used her original FASA forms from XXXX when she began college to continue to file for funds for her education. She is now XXXX  and Navient ( who I believe holds the loan ) continues to call, harass me for payments. I don't feel that I should be responsible for this loan. Also the interest is 8.5 % and the original loan was {$10000.00} and because she kept deferring the interest continued with a student loan balance of {$24000.00}. Again, I don't feel I should have to re-pay this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have XXXX checking accounts with Citibank- one that is my own, and a XXXX checking account with my partner. Initially, when we opened the accounts, we asked the accounts be " unlinked '' so we could have two separate cards. 

I set up two recurring transfers between my individual checking account and the joint account, set to deliver on the XXXX and XXXX on the XXXX of every month, for {$1000.00}. 

But when the accounts were unlinked the transfers were deleted from my online account access. Since XXXX I have not been able to see these future transfers anywhere on my upcoming online " future transfers. '' When I called about this, the citibank representative assured me that the recurring transfers had been canceled because our accounts were unlinked. 

However, the transfers HAVE been pulled from my account, despite my inability to see them. As a result, every two weeks since XXXX I have had an unauthorized transfer pulled from my account. I am unable to manage or cancel these, because they don't show up anywhere on my online account management. 

I have called Citibank multiple times to ask these transfers be discontinued since I am unable to access them on my own : I called on XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX. I have spoken to multiple supervisors XXXX XXXX, XXXX, XXXX XXXX who assured me the transfers were canceled, however, they continue to be withdrawn from my account. Each time I call, I spend upwards of 30 mnutes on the phone having my account reviewed, each time I am told this is resolved, and every two weeks the issue persists. Each time, the supervisor I have spoken to says " they aren't sure why the issue persists. '' I am at the point of canceling my accounts with citibank just to avoid this issue persisting. I am a new parent on XXXX  leave, so it's difficult to spend long stretches on the phone with them, and because my XXXX leave payments come from different sources at different times, having surprise transfers pulled from my accounts often results in my account becoming overdrawn unless I make sure to check it every XXXX and XXXX. 

On XX/XX/XXXX, I spoke to XXXX, who informed me that the issues has persisted because the former representatives were accessing the wrong platform, and that in fact the transfers were never canceled. He assured me this time they were canceled, however, because this issue has persisted for over 6 weeks, I am skeptical about this and worried that the money will continue to be pulled from my account and this cycle will continue.

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 2021-08-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HYUNDAI CAPITAL AMERICA
State: MA

Complaint narrative:
i turned in my leased XXXX hyundai on XXXX and purchased another lease on XXXX hyundai is trying to collect XXXX excise tax but it was not mine as of XXXX i have sent them all docs bill of sale vehicle return from dealer and they have now issued a late payment on my credit reports really PLEASE HELP

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 2021-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Ive filed multiple disputes concerning a reported unverified Bankruptcy. As of the last dispute, the Credit Reporting company continues to state it is verified but will not explain in detail how even when ask to. The written disputes made XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX included supporting documentation showing no bankruptcy on most recent XXXX report dated XX/XX/XXXX or XXXX report dated XX/XX/XXXX, and a letter from Bankruptcy court stating it does not report directly to credit bureaus. The Credit Reporting company continues to report an unverified Bankruptcy even when all supporting documents show that it should not be reported, is unverified, and should be deleted. They ( the Credit Reporting company ) continue to say the reporting has been verified without an explanation of how.

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 2021-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
collector is not licensed in Az collector has my personal information including my social security totally illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have furnished TransUnion with my identification documents : ( birth certificate, passport, gas bill, and social security card. ) I have presented this information in every correspondence I have sent this corporation since XX/XX/2021. TransUnion just sent me a letter dated XX/XX/2021 but not postmarked until XX/XX/XXXX, that they can not process my request because their corporation doe not have my documents.

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 2021-08-16 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
This company keeps appearing on my credit report and they have NOT approach me directly in any way. Every time I dispute this and ask for original terms of agreement for this debt they remove the collection, wait a couple of month and go back on my credit. I keep asking for supporting documents and NOTHING is provided. This is a predatory behavior that needs to stop. I have filed several complaints ; but nothing is provided to me. 

SEQUIUM ASSET SOLUTION Account number XXXX Collection opened XX/XX/2020 2020

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation