vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-22 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: Checkr, Inc
State: PA

Complaint narrative:
I've been denied several employment opportunities because Checkr and companies like them report that I was XXXX three times and Checkr doesn't only tell what my XXXX in XXXX actually were but the XXXX  in place before the XXXX got involved. I have XXXX my time and my XXXX XXXX to satisfy the government. Chekr should not legally be allowed to share my information Under Any Circumstance unless for XXXX XXXX  persuing XXXX XXXX  against me or by XXXX XXXX. OR, They should agree to put me on their payroll as they are actively working to keep me and others like me, unemployed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.

Complaint narrative:
On XX/XX/XXXX I contacted Equifax about identity theft that had accured to me. The guy on the phone said nothing could be done until I received their credit report and that I had to wait 5-10 business days to get it in the mail before they could do anything. This was after being on hold for over an hour and wasting my time. 

Fast forward to XX/XX/XXXX and having not received nothing from Equifax I called again and was put on hold yet another 30-45 mins and the lady by the name of XXXX couldnt understand a word I said her XXXX was terrible and she kept blaiming the phone connection another waste of an hour as she couldnt understand a thing. I phoned back yet again to get XXXX this time after yet another hour of my time only to be told I had the wrong department even tho their website told me this was where I was to go He would not help me at all kept telling me to call again and sit on hold. I asked to talk to his supervisor and he said sure but no guarantees how long I would be on hold for as I wanted a direct line and refused to sit on hold for hours more and waste more time. Nobody answered the phone I sat on hold for another 45 mins and gave up. 

Ive called the XXXX fraud agency and XXXX XXXX both I had to sit on hold but both were able to help me. Ive wasted prob 4 hrs + and 2 weeks of time waiting for mail and still nothing. Apparantly my sin number and birthday date was used with the wrong spelling of my name and a address that doesnt exist the wrong employee etc was used and somehow successful on credit card apps and money was spent wrecking my credit I only found out about it almost a year after it happened and only by chance I had applied for a credit card the last one was prob 10+ years ago only to get denied and I didnt know why as my credit was perfect in my eyes. I phoned to find out why only to find the indentity theft had accured to me. 

Ive done everything I can for now had a police file made called XXXX XXXX and the XXXX fraud agency as well as the credit card company that had issued the card and Equifax. Everyone except Equifax has been more then willing to help but Ive invested a lot of hours now trying to correct this. Equifax hasnt been if any help at all just wasting a ton of my time. What am I to do, my credit is messed up and I cant get these guys to do anything I am absolutely sick of wasting my time as to me my time is valuable and I am a victim with little to no help In this situation only to be super mad at the situation that should have never happened in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22 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: Lending Club Corp
State: MI

Complaint narrative:
An attempt to make payment for the month ofXX/XX/2019 was unsuccessful due to inability to access account with regular credentials after countless tries. I was without cell phone reception on and off for days due to travel. I was finally able to gain access to account after making a password change. When I saw the remaining balance .... it was my immediate reaction to pay the entirety of the remaining balance. Mostly to avoid anymore account accessing issues. Very frustrating. I was elated to have the account in good standing and finally closed. Until ... I received emails months later stating I had a balance. Unable to gain access to the account to resolve issue financially, I called. Over the phone I explained why payments werent made. We settled the issue with the agreement I would pay {$89.00} as a final payment. I have received a receipt for transaction. This receipt contains NO indication that this account is now closed. 
I had no way of knowing if this account had gone to collections or not. As both XXXX XXXX XXXX and lending club patient solutions sent me updated information about my account and payments via email since the establishment of this account. 

I was unable to make my first payment without calling. I was then directed to a website that was not indicated on my statement. XXXX From which I made an account and began making payments monthly. 
I received this loan for dental

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
I was in an IDR plan last year and needed to recertify in XX/XX/XXXX. I have tried over and over to recertify. I do bot have access to my husband 's income or bank accounts and therefore i know i do not have to use his income. I have told them this for the last 8 years. Finally lady year was the first year someone listened and i was able to enter into an idr plan with a XXXX payment. For 8 years prior i was either in deferment or forbearance because they would not listen and did not offer the idr plan. They also didn't offer any assistance when i was on unemployment and XXXX in XXXX - XXXX. I could have had my loans paid off but now im at over XXXX mostly in finance charges. Now its set to come out of my bank and its a XXXX payment i only bring home XXXX each paycheck. I wont be able to make my bills this month. They don't listen and they don't respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Select Management Resources, LLC
State: TX

Complaint narrative:
I was desperate due to an emergency so immediate after paying off a title loan I obtained another. The whole thing was flaky and I pretty much never received what the company says that I did and the lady that had me sign the paperwork and follow her to the bank afterward doesnt work there anymore conveniently. She led me to believe that she needed to cash the check to give me the money but really once I got to the bank she came up to my car and asked me to go in. So being the desperate nieve individual at that time I did. Once inside the bank she straight up just left me in the line leaving me with no choice but to cash this check. I assumed I could keep the {$3500.00}. She quickly snatched the cash from my hand and said she needed to count it to drive and follow her back to the store again. She ended up only giving me XXXX. I never got a copy of the contract she made me signed contract or anything from these people. I received a release of lien letter by mail one day so I assumed that this meant the employee stole that money or something. Wasnt sure what had happened since again Ive never recieved a call or letter or anything. I went and got my title back at the XXXX and about a month later in XX/XX/2019 it was repossessed. I finally was directed to a lady who says shes the attorney and that she is putting me in prison for forgery!!!! Is this okay? They arent listed on the title and to date still have my car!

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 2019-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
First and foremost I do not want a fraud alert on my credit, it hurts the consumer and obviously doesn't protect the consumer. The attached table represents someone with a mid eastern voice calling several and multiple dealerships within XXXX, SC and throughout, submitting an over the phone application in my name, and the dealership or entity didn't verify the person on the other end of the phone was indeed the consumer that this information belonged to, and submitted it for credit approval at multiple places for some stated vehicles. This verification was done by calling the selected and reported businesses, and having been informed that the person wasn't me, based upon accent. The attached information, and table represent that these inquiries weren't performed with permission or authorization by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-22 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: CA

Complaint narrative:
I held Bitcoin at Gemini. Gemini credited me with the Bitcoin ABC from the fork, but never credited me with the Bitcoin SV. The founders feel that Bitcoin SV is not a very good coin, therefore I should not be able to redeem my {$400.00} in Bitcoin SV. I do not think their ideology matters - if a stock splits into two different companies and my broker doesn't like one of them, what right do they to decide that I only get one of the stocks? Gemini 's actions are clearly fraudulent and unless they are willing to credit me with my money the only reasonable result is a class action lawsuit for all of the users that have lost money because of the founders ' ideologies. 

I previously complained to the company and regulators. As a result, on XX/XX/2019 I received an email notifying me that they were closing my account. 

Gemini stole from me and many of their users. I spoke up and they banned me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: ID

Complaint narrative:
I settled a debt with Nissan Motor Acceptance. The settlement was handled and process through a 3rd party, XXXX Solutions. The account originally charged off in XX/XX/XXXX. After receiving the XXXX settlement Nissan updated my credit report reflecting a missed payment for XX/XX/XXXX that is incorrect. My final payment was set up for XX/XX/XXXX and was drafted from my account on the XXXXThis FP ( failure to  pay ) or CO ( charge off ), depending on what bureau is reviewed needs to be removed. It reflects a recent delinquency which is false and negatively impacting my credit further. My final payment was due in XXXX on the scheduled date and successfully processed. I want all my bureaus updated correctly and not to include false information. Nissan assured me that there would be no new negative activity, but only an update that account was settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
XX/XX/2019 Transworld Systems INC XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX RE : VALIDATION OF ACCOUNT Account # : XXXX To Whom It May Concern, I neither affirm, nor deny this purported debt. You claim I owe your company {$430.00} This letter is being sent to you in response to an entry made on my Credit Report dated [ date ]. Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested.

Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification via XXXX or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act.

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes.

Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number?

2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor.

3. Please provide me documentation that indicates that I agreed to pay someone this sum of money.

4. What was the original date of delinquency for this account?

5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment.

6. What did you pay for this account, and how did you calculate the current amount owed? 

I require compliance with the terms and conditions of this letter within 30 days of your certified receipt, or a complete removal from my credit profile, in writing, of your claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the FTC, and appropriate county, state, and federal authorities. I also hereby reserve my right to take private civil action against your company to recover damages. 

In addition, the Fair Credit Reporting Act states that while this item is being investigated you must indicate to the bureau that the account is under dispute and will remove/cease from reporting this information to the Credit Reporting Agency until full validation has been completed. 

I have sent a copy of this request for validation to the three national Credit Reporting Agencies to begin their 30-day investigational process concurrent with your investigation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
First and foremost I do not want a fraud alert on my credit, it hurts the consumer and obviously doesn't protect the consumer. The attached table represents someone with a mid eastern voice calling several and multiple dealerships within XXXX, SC and throughout, submitting an over the phone application in my name, and the dealership or entity didn't verify the person on the other end of the phone was indeed the consumer that this information belonged to, and submitted it for credit approval at multiple places for some stated vehicles. This verification was done by calling the selected and reported businesses, and having been informed that the person wasn't me, based upon accent. The attached information, and table represent that these inquiries weren't performed with permission or authorization by me.

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 2019-09-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: IL

Complaint narrative:
I had an account with XXXX XXXX in 2013 and I went in the XXXX store to pay my bill with cash and they told me that they don't accept cash as a form of payment. My plan was a prepaid phone account. So if I didn't make a payment in advance I wouldn't have any service so how can I owe a bill on a prepaid account. Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA
State: ID

Complaint narrative:
I scheduled a student loan payment to American Education Services on the XX/XX/XXXX for a draft date of XX/XX/2019. This payment would have covered my XX/XX/XXXX due date. My student loan is due on the 1st of each month and I should not have received a negative reporting until the XX/XX/XXXX. AES reported a 30 day late payment for the month of XX/XX/XXXX. I have reached out to AES to resolve this on the XX/XX/XXXX to inquire and spoke to a manager. He advised that I should not get a negative credit reporting and he would initiate an internal dispute. To date there has been no resolution and my credit has been impacted tremendously. AES payment confirmation states the payment date is the day that the payment will be applied.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Miller and Steeno, P.C.
State: IL

Complaint narrative:
Received notification of alleged debt from Miller and Steeno P.C. on XX/XX/2019 in the amount of {$2300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: COLORADO HOUSING AND FINANCE AUTHORITY
State: CO

Complaint narrative:
XXXX file this claims against Colorado civil right for breach of contract and fraud My house damage by water, the damage has been fix without a lien waiver form, without a third party authorization and the damage is less than {$10000.00} paid by me. And on about XXXX XX/XX/2019 I send an endorsement check that was issue by my insurance with my name and Colorado housing authority in it to chfa draft department, according to the policy I should receive the check within 5 business days because is not exceed {$10000.00} but the company taking action against me refussing to send the check back that cause my default account to be current, chfa in the process to evicted me and refuse to send the check back to me the amount is XXXX. i contacted them previous time I was told that due to national disaster that cause my check to be held but they send a female agent on XX/XX/2019 to take pictures of my premise, I ask her why she took a picture of my house she replied that chfa is going to sell my house I was embarrassing because my neighbors was out side.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I owe XXXX. I have not received anything about ways to pay the amount till a court order came.

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 2019-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kelsting Group, Inc.
State: CA

Complaint narrative:
In 2017 my debt with XXXX XXXX XXXX credit card was near the 10k limit. I had already paid off an auto loan through them and then sold that vehicle to pay off my debt. Including the credit card debt. While hospitalized I recieved bills from XXXX XXXX XXXX as if unpaid. Now in collections. They sent me a bundle of paperwork showing several purchases from that card. The paperwork they sent has a signature with my name in cursive ... It is not my signature. This debt is paid. I paid cash inside the credit union bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ERC
State: CA

Complaint narrative:
XXXX sold my debt to XXXX XXXX XXXX XXXX in XXXX of XXXX, on XX/XX/XXXX that same debt was sold to Enhanced Recovery Company who then gave fraudulent information to XXXX  claiming the old debt was new thereby resetting SOL from XXXX to XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
Said they were suing.

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 2019-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2019, Chase cashed a persona check that was dated on XX/XX/2019 early. This resulted in an insufficient funds fee of {$34.00} for that transacition. 

Additionally, despite checking my account balances on XX/XX/2019 to ensure I had sufficient funds for the purchases and transactions, Chase has charged an additional four, separate {$34.00} fees for insufficent funds. I would have been unable to make these transactions if I was overdrawn so it is not clear how I had insufficient funds.Without these fees, I would not have needed to overdraw for future transactions which have also been penalized by two, separate {$34.00} insufficient funds fees. 

The total if fees to date has been {$230.00} dollars and it appears another {$34.00} will be charged on XX/XX/2019. 

Chase routinely back dates transactions allowing them to collect the fees although funds are available at the time of the purchase.

Company response to consumer: Closed with explanation