vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-03 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: Credit Karma, LLC
State: CA

Complaint narrative:
Ok what the actual complaint is that I had XXXX XXXX score for the last year or so and XXXX XXXX  but recently it has changed to XXXX almost a hundred points I have been making payments iv only added XXXX dollars to a XXXX account but nothing else has changed. And only 3 inquiries in a year 2 of those have been approved this is according to credit karma they have no answer for the almost 100 point drop being that they are connected to my credit score I feel something isnt correct or someone has hacked my credit? If they can get my personal information with my ssn and tell thats the information given then something illegal is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03 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: MD

Complaint narrative:
I have on more than two occasions requested that Experian and XXXX remove an alleged bankruptcy which they are reporting under my name in my their credit files. Letters which have been composed by me have repeatedly asked them to validate and verify the alleged bankruptcy and both companies have corresponded that the bankruptcy has been verified from the company which provided the information to them. The company which they are speaking of is XXXX XXXX and that company has no such bankruptcy listed in my file. I have received a copy of my XXXX XXXX file and see no such information within their database. On another level of complaint with the same erroneous and alleged bankruptcy information, according to the new law effective XXXX XXXX, XXXX any public record data must include name and address as well as social security number or date of birth in order for it to appear in your credit file. Experian ( Report # XXXX, dated XXXX XXXX, XXXX ) and XXXX ( File # XXXX, dated XXXX XXXX, XXXX ) have not provided this information on the credit report that they maintain in my name. This is a violation of the new law. Because I have repeatedly inquired with both companies and they have both claimed that it is verified, the erroneous information does not have the minimum required information listed in this alleged bankruptcy, and they are not willing to do the proper investigation into this matter, I am requesting your assistance with this issue. I have credit file documents ( provided here ), certified and return receipt mailings from the United States Postal Service ( provided upon request ) tofurther solidify my complain which I am presenting. I am very frustrated with both companies and their lack of diligence and because this incorrect information is being reported, offers are not being executed. There is no such bankruptcy being reported on XXXX and XXXX ( both provided here ) and  this information was also sent to the two credit bureaus 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 2017-12-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I applied for a speedy cash loan which was {$350.00}. I paid by the money I owed which was {$1100.00} now speedy cash is telling me I have to pay and addittional {$470.00} and I have to pay the full amount or refinance with more fees which I dont have I have been paying {$99.00} every two weeks per pay check. Is their any way I can get around paying the extra {$470.00}? I would really appreciate your feedback thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03 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: CA

Complaint narrative:
XXXX XXXX notified me that a new collection had been added to my account, who is owned by XXXX.I was unable to file a dispute, donot know the reason.XXXX XXXX, bought my account from XXXX XXXX XXXX, who had already listed this account on my report, listed that I owe them {$590.00} in XX/XX/XXXX,  XXXX has listed the same debt for the same amount of {$590.00}, which is a duplicate, of the same debt.I told them these account are duplicates and it is illegal to list them twice, and needs to be removed.All 3 of the credit should be notified, and take appropriate action.XXXX listed the debt on XX/XX/XXXX. 
I can not request a copy of my credit report online from Equifax, for years, because they have the incorrect security question.I have contacted them in regards to this matter, and it has not been corrected.They also ask incorrect question, in regards to my past place of resident. 
I contacted XXXX also, no response to date. 
There is also a debt for a payday loan, that I have written to these credit bureaus, multiple times, and it has not been corrected.I told them, I donot owe the amount listed, these people are rip-offs, and you pay them interest, and still have not paid the debt off.XXXX XXXX has listed I owe $ XXXX.They only lend me {$250.00}, and I paid {$300.00} for months .I donot owe XXXX XXXX any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX notified me that a new collection had been added to my account, who is owned by Transunion.I was unable to file a dispute, donot know the reason.XXXX XXXX, bought my account from XXXX XXXX XXXX, who had already listed this account on my report, listed that I owe them {$590.00} in XX/XX/XXXX, XXXX has listed the same debt for the same amount of {$590.00}, which is a duplicate, of the same debt.I told them these account are duplicates and it is illegal to list them twice, and needs to be removed.All 3 of the credit should be notified, and take appropriate action.XXXX listed the debt on XX/XX/XXXX. 
I can not request a copy of my credit report online from XXXX, for years, because they have the incorrect security question.I have contacted them in regards to this matter, and it has not been corrected.They also ask incorrect question, in regards to my past place of resident. 
I contacted XXXX also, no response to date. 
There is also a debt for a payday loan, that I have written to these credit bureaus, multiple times, and it has not been corrected.I told them, I donot owe the amount listed, these people are rip-offs, and you pay them interest, and still have not paid the debt off.XXXX XXXX has listed I owe $ XXXX.They only lend me {$250.00}, and I paid {$300.00} for months .I donot owe XXXX XXXX any money.

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 2017-12-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX notified me that a new collection had been added to my account, who is owned by XXXX.I was unable to file a dispute, donot know the reason.XXXX XXXX, bought my account from XXXX XXXX XXXX, who had already listed this account on my report, listed that I owe them {$590.00} in XX/XX/XXXX, XXXX has listed the same debt for the same amount of {$590.00}, which is a duplicate, of the same debt.I told them these account are duplicates and it is illegal to list them twice, and needs to be removed.All 3 of the credit should be notified, and take appropriate action.XXXX listed the debt on XX/XX/XXXX. 
I can not request a copy of my credit report online from XXXX, for years, because they have the incorrect security question.I have contacted them in regards to this matter, and it has not been corrected.They also ask incorrect question, in regards to my past place of resident. 
I contacted Experian also, no response to date. 
There is also a debt for a payday loan, that I have written to these credit bureaus, multiple times, and it has not been corrected.I told them, I donot owe the amount listed, these people are rip-offs, and you pay them interest, and still have not paid the debt off.XXXX XXXX has listed I owe $ XXXX.They only lend me {$250.00}, and I paid {$300.00} for months .I donot owe XXXX XXXX any money.

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 2017-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have on more than two occasions requested that XXXX and TransUnion remove an alleged bankruptcy which they are reporting under my name in my their credit files. Letters which have been composed by me have repeatedly asked them to validate and verify the alleged bankruptcy and both companies have corresponded that the bankruptcy has been verified from the company which provided the information to them. The company which they are speaking of is XXXX XXXX and that company has no such bankruptcy listed in my file. I have received a copy of my XXXX XXXX file and see no such information within their database. On another level of complaint with the same erroneous and alleged bankruptcy information, according to the new law effective XXXX XXXX, XXXX any public record data must include name and address as well as social security number or date of birth in order for it to appear in your credit file. XXXX ( Report # XXXX, dated XXXX XXXX, XXXX ) and TransUnion ( File # XXXX, dated XXXX XXXX, XXXX ) have not provided this information on the credit report that they maintain in my name. This is a violation of the new law. Because I have repeatedly inquired with both companies and they have both claimed that it is verified, the erroneous information does not have the minimum required information listed in this alleged bankruptcy, and they are not willing to do the proper investigation into this matter, I am requesting your assistance with this issue. I have credit file documents ( provided here ), certified and return receipt mailings from the United States Postal Service ( provided upon request ) to  further solidify my complain which I am presenting. I am very frustrated with both companies and their lack of diligence and because this incorrect information is being reported, offers are not being executed. There is no such bankruptcy being reported on XXXX and XXXX ( both provided here ) and this information was also sent to the two credit bureaus 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 2017-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc.
State: NY

Complaint narrative:
Submitted a complaint with this agency over a month ago, and the collection company agreed to remove the entry on my credit reports since they had not provided me with ANY debt validation proof or legal documentation that they could in fact collect on this alleged debt. The account was deleted for 5 days and then added back on all of my credit reports, STILL had not provided any debt validation within that time frame! They have reported this collection account not once but twice, without proper validation. This is 2 violations under the FDCPA that can and will be legally pursued unless the offending collection entry is removed immediately from all 3 of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I had opened a card up with XXXX i didnt recieve anything i wasnt even able to put my card inforamtion into the computer all i was asked for was my my address i gave them my address which is the same as where my items had shipped ok a week goes by still didnt get my card or a statement ok calls in its XXXX at this point i ask the lady when will i recive the card she says in 7 to 10 days another 2 weeks go by i call them again and explain how i havent recieved a statement or a card yet from the company the lady says she willl put in for a new card and that the cards due date will change from that month to the next month of XXXX XXXX comes i called the second week explaining that i still havent recived a card or a statement what is going on same thing happens she says that the statement date will change because i cant even acces my account online without getting my card shipped to me XXXX the XXXX I called them and the guy said the same thing wheni called this time the automated voicemail said i now owe a late fee the guy said not to worry he will wave the late fee from the card for me because i havent had access to my account in the 1 st place and havent recieved a card or a statement today i called because this is all becoming too much and they said its now sent to the collection agency which i dont understend why she said i was 60 days overdue which doent make sence any and the tab is XXXX dollars im like for what reason when you guys said 2 times not to worry and now its in collection i asked how was i supposed to know and how was i suppsoed to know with no access to my account no email notification or anything not even a call from them no statement the woman told me i and continued to tell me that i put the wrong address in and that its my fault and to pay the money and get over it im like i want to talk to the company they refused to let me talk to anyone that wasnt in collections what doent make any sence what can i do

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-03 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: TX

Complaint narrative:
Late payment for XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Late payment for XXXX XXXX XXXX XXXX XXXX and XXXX XXXX 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 non-monetary relief
Consumer complaint received 2017-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Restriction for no reason

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I purchased a house in a sheriff foreclosure auction and the affidavit of consideration said that there was a senior lien from Wells Fargo of {$120000.00}, see attached and now Wells Fargo says that the payoff is XXXX, see payoff letter attached. I am in the process of selling the property and needless to say that additional payoff is killing 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 2017-12-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: NC

Complaint narrative:
had a mortgage with XXXX starting in XX/XX/XXXX mortgage was an ajustable rate that was sold transferred and according to mortgage scam of XX/XX/XXXX XXXX along several other mortgage lenders were bailed out and were to help borrowers out but never offered borrowers anything except sell from one mortgage company to another .imy mortgage fell under what was called predatory lending .after 9 years of foreclosure threats. my property went up for sale XX/XX/XXXX by caliber home mortgage and was sold for me to stop sale i had to file a chapter XXXX bankruptcy. this case should have never gone to superior court as it was scheduled to be heard again in clerk of court but as usual attorneys for mortgage lender did not appear for hearing 2 days later i recieve notice from attorney for mortgage company case would be heard in superior court under judge XXXX XXXX in that court it was ruled that the sale be allowed .i feel that this was a case where improper illegal situation happened being that every time for the pass 8 yrs clerk of court always stated that attorney for mortgage lender did not have all paper work needed .this is why i am filing this complaint i have documentation that show false information and the documents were forged .so this is why i am asking cfpb to help me stop any action for sale of my property.i would like to be heard in a court of law with a jury how the mortgage lender an attorney and judge worked together to forge documents cheat and swindle home owners out of there property .i also know that these individuals have very powerful connections threw out the world so going forth with this action could possibly put my life and families life in jeopardy so i am asking for help please i need help .yours truly XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
I have upwards of {$1000.00} stored on Coinbase in virtual and real currency. Due to an error on their system they said I am temporarily unable to buy currency I should contact their support. This means I can not access any of my funds stored on their exchange XXXX. Their support has not responded in over a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Southern Auto Finance Co
State: TN

Complaint narrative:
XX/XX/XXXX I was in a car accident that had me out of work for five month due to injuries from the wreck. I was insured with XXXX at the time and they deemed the vehicle a total loss. 

Back in XX/XX/XXXX the same vehicle was vandalized. I was at that time with XXXX. I got the work done to the vehicle and have the receipt. 

Fast forward XX/XX/XXXX my car was vandalized again while insured with XXXX. I filed a claim and they were very slow about the process in getting my vehicle fixed. I missed the examination under oat due to never receiving the mail. 

All leading to XXXX deducting from the total value of the vehicle because of the vandalism they didnt cover. The car is totaled!! I almost XXXX in that wreck. What does vandalism even matter at this point?! 

Safco which is my lien holder decided to say to XXXX that I never got the car repaired in XX/XX/XXXX and sent for the funds. XXXX in turn pays safco without notice to me out of my bank account from a transaction thats over a year old ( {$3500.00} ) .Thats an u authorized Transaction and illegal. I am a service member and I was robbed of my resources due to the illegal acts of the banks. XXXX XXXX XXXX XXXX AND SAFCO. They should all be investigated they are multimillion dollar companies stepping on the backs of working Americans. 

Its against the law to take the resource of a consumer without notice I have had no money since XX/XX/XXXX. The day before my birthday!! I spent the first few weeks of my new aged life without funds. I am livid that its taking this long and want interest on the money that was taken from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
XXXX XXXX XXXX they also go by Resurgent Capital Services LP. I have settled amount and they my company is still sending them a payments from an old judgement they sent another old judgement signed by the judge a long time ago after it was alrey paid. This business needs to be shutdown because they have done this to a lot of different people after I searched their name on XXXX. The same thing is happening and they are calling me and they just started calling me again threatening me that I am going to lose everything I got if I dont paid this and I will lose my job because they are going to call them and tell them that I am a bad employee because I dont pay my bills and I am in the financial field. Please do whatever it takes to put this company out of business

Company response to consumer: Closed with explanation