vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: I.C. System, Inc.
State: FL

Complaint narrative:
This morning ( XX/XX/XXXX ) I got a notification from XXXX that a new collection was added to my credit report on XXXX. Since I am trying to prevent any new collections to my credit and trying to fix them before they get to this point, I went to this right away. The collection showed up as I.C. System, Inc XXXX XXXX. XXXX XXXX, XXXX XXXX MN ) for an amount of {$100.00}. No other information showed up for the business I owed the amount to, date of services, or anything. I didn't recognize anything and knew I had never received any documentation from I.C. System for any collection activity. I looked them up right away on XXXX and contacted them to see what they could provide in terms of who I may have owed, when they would have sent me any information about it, etc. I called XXXX this morning ( XX/XX/XXXX at exactly XXXX XXXX  central time ) and spoke to someone who asked my name a few times and where I was located then put me on hold and transferred me without telling me why. I was then transferred to XXXX who again asked me the same questions and then told me she could not find any account for me. I asked if they would be removing this account from my credit report since there was no information on me and she said she couldn't do that. The incorrect information will be staying on my credit report even though it is not my account. I am assuming that it is just a matter of time before it is added onto the other 2 credit reporting agencies and lowers my score on those as well.

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 2021-06-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nicholas Financial Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XX/XX/2017 {$5600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Hey I was taken advantage of due to non-practical laws being broken due to XXXX by your company. This is causing financial injury. This destination of character. I can't get a job. I can't apply for credit. Hey I can't even get a loan due to this pandemic under this crisis. It bureaus hurt my ability to obtain credit. I sent in the letters on XX/XX/2021. Then I sent in the next letters on XX/XX/2021. They fail to send me a notice within 30 days. This is against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
Mortgage was raised approx {$900.00} and {$400.00} has been unaccounted for for 12 months. When contacted bank they said it was for escrow account but after an investigation I found that I was being charged twice for insurance. Bank corrected mortgage due bit has not offered refund for {$4800.00}.

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 2021-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
Hello, I accidentally transferred money to the wrong account for my rent payment in the amount of {$1200.00}. Once my property management company informed me that they had not received I contacted the bank to dispute and was told that there was no error and my request was denied. The account was from XXXX to a private owner I rented from and have sense moved in XXXX of XXXX. The transfer was made on XX/XX/XXXX and was another USAA account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Grain Technology, Inc.
State: NJ

Complaint narrative:
This company is horrible. They disconnected my banking information for no reason and has not allowed me to change it. 
This has resulted in late fees and charges that could have been avoided. I try calling and emailing and get no response! It's like they DON 'T want you to be able to change your info to get your balance paid. They refuse to allow me to change it to get this paid and it has become adverse on my credit reports. This has been going on for MONTHS. Can someone from this company PLEASE CALL ME. I simply want to pay my balance, PLEASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The inability to collect real time information by all of the three major credit bureaus and their farming that incorrect information to multiple third party credit reporting organizations creates adverse action severely holding us hostage. Their lack of real time gathering was highlighted in the last complaint you did nothing about. As example report XXXX issued by XXXX XXXX XX/XX/2012 still incorrect and they- even while acknowledging and promising to correct our negative information did nothing. Telephone numbers as the data outdated and not in service, one could go down the list but why bother? Then they have the gall to advise it will take months to update while one languishes. To repeat for these who have trouble comprehending- Yesterdays complaint further proof of the inaccuracy of reporting and their distribution of such to third party entities who provide that outdated and incorrect information continues to hold us financially hostage and unable to do anything where finances are involved. Opinion- for one to actually think you or they would do anything to improve integrity naive. Of course this is NEW and yes pass it becuase frankly you do nothing about the multiple earlier complaints!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Global Trust Management LLC
State: TX

Complaint narrative:
I was contacted by phone from a third party collection agency called XXXX at XXXX or XXXX. They stated they now owned my Cash Central bill from 2018. They threatened legal action in court too. However, they refused to mail their letter to me verifying my debt with them and Cash Central. They wanted me to pay them immediately. I refused and also disputed this bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken

Complaint narrative:
I started with XXXX XXXX in XXXX. Paid them XXXX Euro by credit card to start an account. Their broker XXXX was the contact, XXXX by signal message. He phoned at random times so I told him to cancel the deal and return the money. XXXX XXXX did all the trading, never asked me what/ how much or anything. Then the manager XXXX got on the phone and became my senior broker. All further payments were by bitcoin using XXXX. XXXX would go on XXXX and perform all the XXXX transactions on my laptop. XXXX wanted XXXX, which I paid. The trades on XXXX looked good so I then paid another XXXX by XXXX. The trades got past {$350000.00} so XXXX asked for some insurance to protect the fund, I paid the insurance, circa 40,000. The trades got better and reached about {$600000.00}, since the insurance was only valid up to {$350000.00}, I needed to top up the insurance to $ XXXX, so paid another circa {$35000.00}. 
Some trades went negative when XXXX XXXX did transactions which I told them were stupid with Gold. To trade higher than the world record was madness. I then wanted cashed out. The trades were about {$630000.00}. I then had to pay a negative trading amount of circa {$40000.00}. A franchise fee of 4 %, about {$30000.00}. We set about doing the withdrawal when apparently I made a mistake and the funds were sent to the wrong wallet, which was a cold wallet! 
XXXX XXXX, the accounts manager was now involved and needed to get some XXXX programmers involved XXXX XXXX XXXX. I need to create a XXXX bitcoin wallet, circa {$80000.00} to enable XXXX to restore the funds. This took about a week with lots of stress. When it was restored, I needed to go down the traditional banking route to get the funds back to my account since the XXXX approach had been burnt. XXXX XXXX, fees 3.4 % plus currency fees, so I paid about {$50000.00}. Also had to pay taxes for the profitable gain of {$400000.00}. I paid about $ 80K in taxes since the bank route required XXXX taxes to be paid as well as the cryptocurrency tax route. 
XXXX XXXX  sent the money to XXXX XXXX  in XXXX, so had to pay another {$35000.00} to XXXX XXXX. This was now a very risky route given XXXX were cautious over money laundering and the funds might get lost or at least queried. XXXX then decided to go back to the cryptocurrency route which required another XXXX bitcoins to be paid. Circa {$40000.00} was paid, this then needed another XXXX bitcoins to make a link. At this stage I told them they needed to help. They offered to pay 50 % for my 50 % so about XXXX each.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I spoke with several different Capital One Auto finance representatives about my payment for the month of may, Due to the fact that the payment was made over a holiday weekend, the representatives informed me that even though the payment was posted XX/XX/XXXX it was not going to be reported as late because it was made XX/XX/XXXX. I have been a loyal and on time customer with Capital One Auto Finance since XXXX, this miss payment reflection on my credit file is due to misinformation and I am requesting for it to be adjusted. Upon my discovery about the late payment reflection, I spoke with another representative and they ensured me that their department would be happy to help me resolve this issue successfully. I have provided all the information needed for them to execute the adjustment successfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: FL

Complaint narrative:
I am currently enrolled in the Public Service Loan Forgiveness ( PSLF ) program. I have submitted my employment certification ( have worked at the same public state higher education institution as XXXX XXXX for over 5 years ) and been rejected several times. Each time, the reasons are the manner in which the form has been submitted by either me or my employer. Each time I have called and my employer have called and we have made the adjustments as instructed. Each time I have been rejected. The last payments that were certified were from XX/XX/XXXX. Since that time I have submitted Employment Certification and received letters rejecting my certification claims on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. In that time my certified qualifying payments toward my PSLF has remained at 49 of 120 qualifying payments and 50 of 120 qualifying payments. The Fed Loan Servicing PSLF calculator lists 27 payments as " employment not certified '' when they should be added to my total qualifying payments since my employment is qualified for PSLF and we have made multiple attempts to qualify my employment ( see previous dates ). 

This is not the first time I have had to make a complaint against Fed Loan Servicing for this same issue. The last time my employment was certified it was the result of a similar complaint I have lodged with the CFPB. This is a recurring issue for Fed Loan Servicing. I demand my employment be certified as myself and my employer have been instructed using the tools and existing submissions of employment certification that we have made. The direct instruction and support given to us by the Fed Loan Servicing working on behalf of the Dept of Education is inadequate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-16 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: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
Due to Covid-19 pandemic forbearance program regulations, the law states that no late payments are to be reported to the three financial credit reporting bureau during the Covid forbearance period. I have 30 day late payments on my report that I want removed because I was negatively impacted and a victim of Covid-19 and legally these late payments should not appear on my credit reports. I contacted the creditor, Ally, in XX/XX/2021 about these payment was told that a request for removal would be submitted to a supervisor and that I would hear back. To this day, XX/XX/2021, the late payments have not been removed and I have not heard back from Ally about removal.

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 2021-06-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/XXXX and Several times prior to that. 


Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$520.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX  Account Number : XXXX AMOUNT : {$520.00} Reason : Account is fraudulent Account Name : US DPET OF ED/XXXX Account Number : XXXX AMOUNT : {$1800.00} Reason : Account is fraudulent Account Name : US DPET OF ED/XXXX Account Number : XXXX AMOUNT : {$3200.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$460.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXX AMOUNT : {$5900.00} Reason : Account is fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX US SM BUS ADMIN ODA XX/XX/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 2021-06-16 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: GA

Complaint narrative:
The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/XXXX and Several times prior to that. 


Account Name : XXXXXXXX XXXX Account Number : XXXX AMOUNT : {$520.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX  Account Number : XXXX AMOUNT : {$520.00} Reason : Account is fraudulent Account Name : US DPET OF ED/XXXX Account Number : XXXX AMOUNT : {$1800.00} Reason : Account is fraudulent Account Name : US DPET OF ED/XXXX Account Number : XXXX AMOUNT : {$3200.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$460.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX AMOUNT : {$5900.00} Reason : Account is fraudulent Inquiries : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: NY

Complaint narrative:
To a supervisor that can help me, I am reaching out to you because I have submitted requests to these companies to remove inaccurate accounts from my reports and they have not responded to me. My letters were sent on XX/XX/2021 and I feel as if my situation has been ignored. After not receiving any correspondence back within 30 days I conducted my own research into the Fair Credit Reporting Act and found that Federal law requires companies involved with discrepancies of credit reports must respond within thirty ( 30 ) days ; at this point it has been almost 60 days ( 57 to be exact ). More specifically, Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove the inaccuracies from my report. Please delete immediately delete these invalidated accounts from my report. This has caused me significant stress and am at I point where I am looking to implement litigation if they fail to remove these items. Last but not least, I was affected by the Equifax data breach and this may be the result of the inaccurate items on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ZWICKER & ASSOCIATES
State: GA

Complaint narrative:
Zwicker & Associates, P.C. Attorneys at Law filed a judgement against me, we agreed to a payment schedule which I have abided by in fact I am about 4 payments ahead of schedule. A debt collector continues to call me requesting a payoff even though I'm ahead with my payments this is very annoying, he called on XX/XX/XXXX, XXXX and XXXX, again XX/XX/XXXX, XXXX & XXXX, is this legal for them to do with a signed agreement of payment schedule. It is better to contact me after XXXX or by email. 
Thanks, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
not mine remove it : FCRA violation do you really need to know why : its not good but to have one name data breaches people pretending to be you. 

so remove : XXXX XXXX XXXX This request can not be processed online. XXXX maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX This request can not be processed online. Experian maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX This request can not be processed online. XXXX maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX This request can not be processed onlineXXXX XXXX maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX This request can not be processed online. XXXX maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY under dispute icon Currently Under Dispute XXXX XXXX XXXX XXXX, CA XXXX SINGLE FAMILY

Company response to consumer: Closed with explanation