vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-06 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: Self Financial Inc.
State: SC

Complaint narrative:
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''.

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future.

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Nelnet, Inc.
State: AR

Complaint narrative:
GREATLAKES AND TWO OF THEIR CONTRACTED COLLECTION AGENCIES CONSERVE AND XXXX KEEPS VIOLATING THE DODD-FRANK ACT.CANCEL DEBT AND HAVE DEBT COLLECTORS PAY ENTIRE BALANCE 1099-C TO IRS TODAY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Thaxton Investment Corporation
State: TX

Complaint narrative:
I got a XXXX loan from covington credit in XXXX i had a job at XXXX Needed it to help my son.I have been paying on it for 5 years, I still owe XXXX .they said they were helping me on months I couldn't make payment by refinancing for XXXX dollars .they told me it would help my credit scores .they would call every 5-6 months saying I have money like 30-120 I can pick up I earned it .and at first it was a month or 2 added on.I had to stop working in XXXX due joint XXXX .they offered to help I believed them cause They always said and talked about XXXX .they used my belief in higher power to earn my trust .I ended up having XXXX XXXX my husband started working in new mexico my XXXX was expensive.I called and said I could not keep paying them .I wanted to pay it off but they would convince me to take their handout which wasn't one .when I told them it would be a few months before I could pay on it .the manager showed up and brought district manager and threatened me .the manager acted like it was not him .they threatened me with taking my things and sueing all that .so on crutches I had to go into office where they convinced me I needed to refinance again.XXXX  when covid hit my husband was layed off i couldn't pay they offers to lower payments to XXXX a month for 4 months .they didn't tell me they were gon na charge me .I checked the amount I owed in XXXX it was XXXX and we were gon na pay it off and be done .but they called in XXXX a week before XXXX and said not to worry about the payment and they were gon na put XXXX in my account for XXXXI checked my stuff a few days agO XX/XX/XXXX it said XXXX was still owed I was shocked and confused and angry I looked at it in disbelief ..I looked online to get help I seen so many bad reviews and that was the XXXX .I seen all I could do so I followed steps I sent message to covington that im not paying XXXX for a loan that should of been paid off and did not call me or come to my house again till I contact u with a lawyer or debt consolidate.XXXX  XXXX XXXX XXXX .they started calling me that afternoon and next day which was a Saturday .I 'm not that smart on loans and interest I'm a trusting person and I have been thru so much in the last 5 years.I was paying XXXX a month on this loan even with the handful of times I picked up XXXX XXXX which XXXXwas only once the others were XXXX XXXX thru the 5 years and I missed only a few months during XXXX XXXX and when I stopped working I missed one month .then we made 4 months of 30 payments to cover.so I don't know how this happened.they lied .used my faith and threatened me .Covington credit XXXX tx office .I have called a lawyer and they are in violation .I want to understand how its not paid off .I 'm not paying another penny.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: MI

Complaint narrative:
My phone was stolen on XX/XX/2021. The person that stole my phone transferred {$4800.00} from my Cash app account into another account under the name XXXX. I reported my phone stolen through XXXX XXXX, which is my phone carrier. I also filed a police report giving them all the information needed, including the person who stole my phone and money. I contacted Cash app and told them what happened and that I did not authorize those transactions. They responded by telling me that the money was transferred from a known device and they have no evidence that it was done fraudulently. I have tried to contact them numerous times and no one will help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 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: CA

Complaint narrative:
XXXX XXXX XXXX  XXXX  XXXX  showed up on my Experian Report for XXXX XXXX XXXX XXXX. 
I have never had an account with XXXX XXXX XXXX and this is not my account. 
About a year ago, I received a notification that someone tried to open a new XXXX XXXX XXXX account from one of my credit monitoring services, I immediately called XXXX XXXX XXXX and they said they cancelled the attempt that was made without my authorization to open an account. Immediately following that I put a credit alert on all three credit agencies as well to ensure no one else would attempt to open an account without my direct authorization first. 
Then this most recently showed up on my credit report. I immediately disputed this with Experian in XXXX, they came back and did not remove from my report. Then I attempted to dispute again and they still did not remove from account after the second attempt. I have NEVER had an XXXX XXXX XXXX account in the past.

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 2021-03-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: FlexPath Capital, Inc
State: SC

Complaint narrative:
After filing a complete with the CFPB on XX/XX/XXXX the loan from Flexpath Capital is still open after requesting for it to be closed. The last payment made on this account was XX/XX/XXXX. The company responded that the loan is being handled with a XXXX XXXX but is still open. This company XXXX XXXX XXXX XXXX was Dissolved on XX/XX/XXXX. Even after reposting the errors with the Credit Bureaus it would drop and reappear as open.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 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: AZ

Complaint narrative:
I had a fha loan in 2009 that was short sold. I was not delinquent. They just removed the dhi mortgage account from my credit & dropped my score XXXX points when I have had great standing with my credit & that should have been removed years ago but at this point my score should of went up instead of down. I have been working very hard on building my credit & every time Im in good standing they find a factious reason to change or add something negative to my credit that drops my score tremendously. I feel this is truly not fair & should be looked into & Reevaluated. Thank you for your time & consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 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: TX

Complaint narrative:
XXXX XXXX, 2021 I have noticed problems regarding the accounts and personal information listed below on XX/XX/2021. I have contracted the credit union and creditors and have yet to receive any response. I ask that these accounts and information listed be removed immediately as per FCRA and FTC law 15 USC 1681 ( 2 ).

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 2021-03-06 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: CA

Complaint narrative:
On XX/XX/2020, I 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 for my disputes and concerns. Section 611 ( A ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I have been trying to verify a debt claimed to be owed to XXXX XXXX XXXX that is being collected by I.C. Systems, INC. I have sent I.C. Systems, INC multiple certified letters trying to dispute this debt, and I have yet to receive a response for the requested information. 

I contacted I.C. Systems, INC today in order to get the account number and was told by a representative of I.C. Systems, INC that they are not required to respond to disputes. 

I additionally have asked I.C. Systems, INC why the debt listed on my credit report is showing an account number that they can not find within their systems at all, but was told that they have no idea why that account number is showing and that they have no idea of how to rectify it.

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 2021-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
XX/XX/XXXX {$XXXX} overdraft fee XX/XX/XXXX {$XXXX} overdraft fee I would like these refunded, as they charged me overdraft fees despite me having an inbound deposit for several days that they were stalling on and not properly processing. It was not the fault of my own my account was low balance. 
Navy Federal refused to properly process my paycheck deposits which resulted in them then fining me several times, and when I called in and pointed this out they only refunded a portion. They charged me a tax of over 60 % of what was overdrawn. 

On XXXX XXXX I brought my account current the same day the transaction even posted. I had a {$XXXX} transaction which they Charged me {$XXXX} in overdraft fees for ( 333.33 % interest!!! ) even though I deposited {$XXXX} that same day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 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: Colony Brands, Inc.
State: SC

Complaint narrative:
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. 

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. 

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 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: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. 

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. 

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.

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 2021-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Coinbase withdrew money from me on XX/XX/2021 through means of ACH Fraud without my authorization. They were probably hacked on their end. I can not access my coinbase account to login and validate or verify any transaction history somehow. The amount taken without my authorization was {$2700.00} USD. I want my XXXX MONEY BACK NOW! I last logged into my coinbase account on XX/XX/XXXX and somehow money was transferred from my XXXX bank  account without my authorization into coinbase on XX/XX/2021. I of course am no longer able to access my coinbase account. I called your phone numbers to report fraud and can not get a human being and used your so called unlocking system to try to regain access to this account which has my personal bank information and am unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
As a credit card owner of a XXXX Chase card, I wanted to pay my credit through the bank. I was told that I could and that I could use the single standing atm to pay instead of waiting for the payment to go through online, which takes longer. It has been two days and I can not pay my credit card. I work from 9-5 at an office 30 minutes away ( due to traffic ) from the nearest branch, so it is never open on weekdays, and I live about 1 hour away from that same branch ( because it is the only branch close to me ) on weekends. So I know it is near impossible now to pay my card at the branch location so I try to pay it at their atms instead. But the atms I have used dont work. I have called their customer service which wont let me talk to a representative because Im not a Chase debit card holder so I have to go through the XXXX side in order to let them know their atm is not working. The problem keeps rising because yesterday I was told that these machines have a sensor that lets them know when they are broken but today I was told they do not. I was also sent to someone who could probably pass the information along but they hung up on me. This company says they are for their customers but I have been hung up on and not called back, and also ignored because I have made the right decision to not open anything further than my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Im filing a Legal and Ethics Complaint against XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, TX. XXXX. ( XXXX ) XXXX. & XXXX XXXX XXXX XXXX XXXX XXXX XXXX of TX XXXX. XXXX, TX. XXXX. ( XXXX ) XXXX, ( XXXX  ) XXXX. & Transworld Systems Inc. XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX, PA. XXXX. ( XXXX ) XXXX, for falsey, illegally filing a collection claim against me for nonpayment of rent, moving before my lease contract ended. XXXX XXXX XXXX XXXX denied me the right to correct the false allegations before sending the claim straight to the collection agency. There was no contact during or after my move from their property on XXXX XXXX, 2020. Thats the date I moved out in accordance to the end date on my lease contract, even though I was being threatened and stalked by a violent, dangerous male tenant on their property. I had to stay in that dangerous situation because XXXX XXXX wouldnt allow me to move under the Violence Against Women Act, there reason was because they didnt cause the problem. I have all the documents and emails to prove that the collection claim that XXXX XXXX XXXX XXXX filed against me was fraudulent. Im requesting information on how I can proceed with the complaint so that I may be able to get the removal of the claim from my credit report, because that has caused me irreparable financial damage.

Company response to consumer: Closed with explanation