vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NJ

Complaint narrative:
On XX/XX/2020 I used a nail salon with a Cash App account XXXX. I mistakenly sent cash to XXXX. The owner immediately let me know it was the wrong account and I cancelled the payment and received a confirmation from Cash App that the transaction was cancelled ( see attached ). I then sent the cash to the correct account XXXX which Cash App also confirmed. When i looked at my bank account Cash App paid the correct person twice which is not what i did. I have emailed Cash App back and forth for a week. They kept trying to tell me that I made the second transaction which I didn't and have documents to prove it. When I ask them to show me any documentation that proves I made the second transaction, I haven't heard from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
My car is financed through Regional Acceptance Corp. And my monthly payment is {$450.00}. 
I was laid off in XXXX due to Covid 19.

I called Regional and they agreed to a 90 day deferment. I explained that I would not be returning to work in that short of time. She said call back if I needed more time. 
I applied for a 2nd deferment when that ended and was approved with payments being due again on XX/XX/XXXX. 
I contacted them today with an additional deferment request as I have been told that I would not return to work until XXXX, XXXX. 
They denied my request for additional help. 
I explained that without the deferment the car would be reposessed because I have no means of keeping it paid at this time. 
They did not appear to care. 
Is there any recourse for me, or will I lose my car and have my credit ruined? 
Thank you, XXXX 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 2020-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
TODAYS DATE : XX/XX/XXXX XXXX XXXX XXXX  Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious XXXX XXXX  XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
TODAYS DATE : XX/XX/XXXX I.C. SYSTEM, INC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very  serious I.C. SYSTEM, INC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL 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 2020-09-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FBC MORTGAGE, LLC
State: FL

Complaint narrative:
I contacted the mlo XXXX XXXX to get an update on my mortgage and for to explain to me what's going on. This has never been explained to me and the mortgage broker has refused to call me back etc.

Today I called and this MLO insulted me and told me that I am not the one with a foreclosure and a bankruptcy on her credit ... 

I can not believe of the complete unethical behavior in her position that I have to wait as this is an affiliate of the builder and if I don't wait they will keep my deposit towards the home. I contacted the builder but they have not called me back

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Performance Management, LLC
State: GA

Complaint narrative:
I was not made aware that a balance was remaining on a XXXX account, neither that it was placed into collections. I NEVER received a bill from this company, never received a notice via mail, never received a phone call ( call logs can be provided ) or voicemail. I contacted this company today for the first time and they said they emailed ONE notice in XXXX to an OLD email address that was compromised, and I have no access to. They confirmed over the phone on a recorded line that they did NOT receive my consent to send anything via email and they never verified that was even my email address. Now, my personal information is floating around on the DARKWEB because they claim they sent this to an email they previously got from XXXX. If I owe a debt, I make such arrangements to pay ; however, this is not a debt that I should be held liable. The managers XXXX and XXXX were so very rude and hung up on me three times saying they didn't know it wasn't my email address and whether they send a notice or not, they tried to call and will not remove from my credit or help me resolve. How can this be fair that something is sent to collections and reported although little, to NO notice is given and they confirmed this on a recorded line. The collector has five days after the first contact with the person to Notify you in writing that you owe the creditor money And Notify you of your right to dispute the debt neither was done because I never had  contact with the company and had no knowledge of such debt.

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 2020-09-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Cant say enough terrible things about this shady company. Initial request for extension during death in family denied about 5 times escalated to supervisor and office of the President they honored.

I was going to refinance because of the denial but stayed because they honored they waived the balance which was fine then to my surprise they screw me over in my credit profile Ive never had 60 -90 days on any account in my entire life nor prior to or after with this account I was advised allow one billing cycle for it to be corrected twice then when that didnt happen and I followed up was advised info is reported accurately however extensions were processed inaccurately and training and coaching was being provided to the employees in question as a result of this. 

I again continued to dispute because o know what I was told many times over 5 weeks ago I was told allow up to 30 days yet again so today I call in supervisor says I do see where a request was sent to update then he says wait what your account is confusing there are definitely somethings in error here and many things not notated properly however they sent you a letter stating it was accurate again no it is not no it is not no it is not.

What kind of scam artists are you seriously? Worst time in life Ive clearly always been on top of this account which has been reiterated by your reps about 20 times now people like that dont get late remarks let alone 3 in a row IMMEDIATELY fix this error your rep again today stated this was done improperly and this should have been rectified however it appears it was not SO FIX 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 2020-09-10 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Cant say enough terrible things about this shady company. Initial request for extension during death in family denied about 5 times escalated to supervisor and office of the President they honored.

I was going to refinance because of the denial but stayed because they honored they waived the balance which was fine then to my surprise they screw me over in my credit profile Ive never had 60 -90 days on any account in my entire life nor prior to or after with this account I was advised allow one billing cycle for it to be corrected twice then when that didnt happen and I followed up was advised info is reported accurately however extensions were processed inaccurately and training and coaching was being provided to the employees in question as a result of this.

I again continued to dispute b
ecause o know what I was told many times over 5 weeks ago I was told allow up to 30 days yet again so today I call in supervisor says I do see where a request was sent to update then he says wait what your account is confusing there are definitely somethings in error here and many things not notated properly however they sent you a letter stating it was accurate again no it is not no it is not no it is not.

What kind of scam artists are you seriously? Worst time in life Ive clearly always been on top of this account which has been reiterated by your reps about 20 times now people like that dont get late remarks let alone 3 in a row IMMEDIATELY fix this error your rep again today stated this was done improperly and this should have been rectified however it appears it was not SO FIX IT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Cant say enough terrible things about this shady company. Initial request for extension during death in family denied about 5 times escalated to supervisor and office of the President they honored.

I was going to refinance because of the denial but stayed because they honored they waived the balance which was fine then to my surprise they screw me over in my credit profile Ive never had 60 -90 days on any account in my entire life nor prior to or after with this account I was advised allow one billing cycle for it to be corrected twice then when that didnt happen and I followed up was advised info is reported accurately however extensions were processed inaccurately and training and coaching was being provided to the employees in question as a result of this. 

I again continued to dispute because o know what I was told many times over 5 weeks ago I was told allow up to 30 days yet again so today I call in supervisor says I do see where a request was sent to update then he says wait what your account is confusing there are definitely somethings in error here and many things not notated properly however they sent you a letter stating it was accurate again no it is not no it is not no it is not.

What kind of scam artists are you seriously? Worst time in life Ive clearly always been on top of this account which has been reiterated by your reps about 20 times now people like that dont get late remarks let alone 3 in a row IMMEDIATELY fix this error your rep again today stated this was done improperly and this should have been rectified however it appears it was not SO FIX 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 2020-09-10 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Recently I forward a complaint on XX/XX/XXXX, file # XXXX with XXXX  with regards to a charged off account with XXXX XXXX XXXX XXXX XXXX. I closed my account on XX/XX/XXXX w /  XXXX XXXX XXXX because after they negated to replaced my defective sofa bed after they stated they would. XXXX XXXX   XXXX purposelessly kept my account active past the 180 days through 515 days before the account was finally charged off on XX/XX/XXXX. XXXX XXXX  XXXX erroneously have me making a payment on XX/XX/XXXX, 5 years after authorizing my account to be closed and advising them that no payments would be made, because of their refusal to replaced a defective purchased sofa bed. They willfully kept the account active and changed the date the account was supposed be removed removed my credit report from XX/XX/XXXX to XX/XX/XXXX. XXXX  was completely incompetent in conducting thorough investigation. The inaccurate information given by XXXX XXXX  XXXX is what XXXX updated without any further inquiries. I sincerely would appreciated if the CFPB would seriously investigate this matter completely mishandled and overlooked by XXXX. 
On XX/XX/XXXX my original complaint # XXXX - XXXX regarding my account # XXXX with XXXX XXXX XXXX was received by CFPB. On XX/XX/XXXX XXXX XXXX XXXX resolved my complaint by removing the account from my XXXX  report, but unfortunately the account currently remains active on both XXXX   and Experian reports. A dispute was initiated with Experian / Report # XXXX on XX/XX/XXXX and with XXXX  requesting the removal of my XXXX XXXX XXXX account from the credit report after advising them XXXX  deleted the account from my credit report, Experian and XXXX continues to overlooked my complaint without further inquiring with XXXX XXXX XXXX to confirmed the removal of my account with XXXX  on XX/XX/XXXX. 
I kindly request the CFPB to further investigate my complaint and as to why Experian and XXXX continued to have my XXXX XXXX XXXX closed account on filed without any legal reason to do so. Respectfully, Mr . XXXX 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 2020-09-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax report is inaccurately showing my current address with the wrong Suite number, please correct as follows : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX A copy of my bank statement with correct suite number is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: SC

Complaint narrative:
XX/XX/XXXX, XXXX, XXXX, and XXXX 2020 .... called numEros times about the process of my refund. On the XXXX i called to ensure process was going correctly, confirmed bank info as was told was documented correctly. The XXXX i called again and was assured everything was okay and my refund would be in my account the following day. The XXXX of XXXX i received an email saying my refund was returned because of error in my account number, which was suppose to be correct as was told so in the XXXX and XXXX. On the morning of the XXXX a agent at nelnet informed me that if I were to upload a new account and routing number, which was done while on the phone with the gentleman, he n said that this would prevent a check from being printed and sent. That nelnet would process my refund via direct deposit too the bank and account number documented. He confirmed the bank and assured me that all information was correct. He even followed up the bank routing number and recorded that n the process would be successful. Well today, XX/XX/XXXX I noticed on my account a check had been printed so I called once again. This time not one but two agents told me I was infomed incorrectly that they would not be attempting to process my refund a second time, that the gentleman gave me false pretensions and there was no other options but too send a check. They could not tell me why my refund was returned, even though in the past, it was always successful, which I didn't understand due to the fact that my information had not changed. The bank and account number used before was still the same. The two agents were very rude, talked over me the entire call and even went so far as raising their voice. They were not helpful too the matter, nor seemed concerned to attempt to be helpful or ensure my satisfaction or understanding of the matter. They only said that they were aware I was misinformed and reported that the check was printed but not yet sent. Therefore they had opportunity to put hold on sending the check and attempting to process my refund with a new account and routing I provided. I am very unhappy and forced in a situation that could cause financial crisis, as of being homeless due to the fact that I may have to wait another 10 days to receive funds. I understand nelnet had had processing issues in other cases more than once. I am aware there has been complaints due to the same issue and that this seems to be an reoccurring issue. I hope this matter can be resolved in a timely matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: VW Credit
State: DC

Complaint narrative:
Volkswagen Credit will not transfer the original certificate of title to XXXX XXXX in order to register my vehicle. They are requiring XXXX XXXX to go against their policy and directly request the original certificate of title. 

Due to this, I have tried to refinance the vehicle, but I can not get Volkswagen Credit to send the required documents ( namely, the certificate of title ) to my new desired lender. 

This company has effectively removed my ability to 1. Register my vehicle in the District of Columbia 2. Refinance the vehicle with another lender.

Company response to consumer: Closed with non-monetary relief