vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-07 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian and XXXX  refuse to remove incorrect personal information. Names and addresses.

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 2021-08-07 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: GA

Complaint narrative:
I have spoken with XXXX  and XXXX  regarding incorrect information. Numerous Disputes have been submitted They each have duplicate accounts which is damaging to my credit. I have requested this to be fixed but each time I contact I just end up with a new dispute and never a resolution. I have duplicate auto loans and duplicate collection accounts.

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 2021-08-07 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: GA

Complaint narrative:
I have spoken with XXXX  and Experian regarding incorrect information. Numerous Disputes have been submitted They each have duplicate accounts which is damaging to my credit. I have requested this to be fixed but each time I contact I just end up with a new dispute and never a resolution. I have duplicate auto loans and duplicate collection accounts.

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 2021-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am trying to request my annual free credit report from the telephone number provided for Equifax and am finding it impossible. The options provided do not allow me to request a written copy of my credit report that I am entitled to. They want me to sign up online for some Equifax membership that I do not want. It is designed to flout consumer intent and is manifestly bad business. I am glad they got sued and hope they do in the future. Perhaps they will be forced to operate more transparently or even go bankrupt. We can hope and wish.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have spoken with Equifax and XXXX  regarding incorrect information. Numerous Disputes have been submitted They each have duplicate accounts which is damaging to my credit. I have requested this to be fixed but each time I contact I just end up with a new dispute and never a resolution. I have duplicate auto loans and duplicate collection accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 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: NJ

Complaint narrative:
There are multiple accounts on my credit report are not mine

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 2021-08-07 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: CL Holdings LLC
State: FL

Complaint narrative:
XXXX XXXX I mailed a certifed dispute letter to JEFFERSON CAPITAL SYSTEM and they never responded nor sent back any correspondence. it has been more than 30 days!

there is multiple inaccuracies on my credit report. 
XX/XX/XXXX I mailed a new dispute in hopes my deletion request is honored.

this company is violationing my rights and they have over 1200 complaints on XXXX  they also have over 300 complaints with the CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Tower Loan of Mississippi, Inc.
State: TN

Complaint narrative:
I made an agreement with local branch ( XXXX XXXX XXXX XXXX ) and manager agreed. I start making payment every month however she was not reporting the payments. I later received an email that my wages would be garnish. I called the local branch back and was told that there wasn't anything that could be done. I later called the headquarters where the attorney for the branch was located. I spoke with several reps and was told that I received the garnishment due to the manager did not let the headquarters know about my payments. After several weeks of researching, a rep from the headquarters called and told me that it was to late to try to settle however I could my payments to the headquarters and not the local branch. At that time, I was given the amount that was due which included my previous payments. So I paid the amount agreed upon for two more months however I was wanted to be completely done with the company. Therefore I went ahead and paid what I was told the balance. I called to make sure payment was received and asked for receipt of the payoff however I was told that I owe thousands more. The company is taking advantage of me and trying to scam me out of more money. Please help.

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 2021-08-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: NV

Complaint narrative:
My complaint is against the company '' CreditKarma " specifically about the " CreditKarmamoney Spend '' checking account and " CreditKarma money Save " savings account they offer to consumers, where I have made electronic deposits from my XXXX bank account, and this Company has been illegally freezing my deposits and will not allow me to put back my money into my XXXX  account or withdraw in any way. 

In XX/XX/2021, I have linked my XXXX bank account to the 2 CreditKarma bank accounts and deposited {$10.00} dollars into the Creditkarma checking account, and {$20.00} in the CreditKarma savings account. 

After I linked my XXXX Bank account and made the deposit, this Company froze my CreditKarma savings and checking accounts without informing me of anything, and will not allow me to get my money back.

They are illegally keeping my money, in fact stealing it since I can not withdraw my own money from these 2 accounts.

I contacted them several times by phone and by email.

No explanation was given as to why they froze my accounts.

When I called The credit karma call center to get a resolution ( from the accent of the agents I assume it is a call center located in XXXX  ) they asked me to email my documents to them, picture Id and bank statement AFTER taking my money from XXXX. 
I do not trust this Company whatsoever, and I am not going to send my personal documents to fraudsters. 

I reiterate, after I linked my XXXX bank account and made 2 deposits on Credit karma bank accounts, they froze my money.

I recorded the phone call with them, and they even admitted that they froze many other accounts.

They are keeping the money of consumers and making profits from the money of others.

I want to be able to withdraw my money that I deposited into these 2 Bank accounts that this Company is illegally keeping an hold of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Coinbase, Inc.

Complaint narrative:
I have been contacting Coinbase for 3 months now and they never get back to me. Ive tried emailing them from multiple accounts like Coinbase Pro and regular coinbase and they always say they are going to get back to me, but they dont. They merged my email outreaches and they still have not gotten back to me. This is fraud as they have kept my money and not given it to me. 

I have not been able to withdraw my money from my account. It says withdrawal pending and ETH network blocked for months and I never got the money. I am upset and want the money I earned back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, equifax, and XXXX  is reporting time barred debt 4 yrs ,8 yrs, to 13 years past the statute of limitations for credit reporting, state tax liens, judgements, public records on my credit report, voluntary repossessions over 8 yrs old, and reporting credit card payments late, even after I provided a letter of evidence to them from the credit card company that my payments were on time, and account is in good standing instead of having 6 months late payments on my history, they are re inserting debt on my credit without any legal notice, the accounts for XXXX XXXX XXXX were disputed in the past and then removed by 4he bureaus and XXXX  XXXX, XXXX XXXX  sold the 2 debts to XXXX XXXX, XXXX XXXX re-inserted the debt without any 5 day legal notice, or warning, and I have no legal binding contract or debt with them it is not mine, tby law they have to remove it for good, the creditors, and credit bureau were being deceptive, and they refuse to remove them, I have had numerous problems with this company, I have even requested 3 years worth of phone records, they are willfully, and negligently violating the fair credit reporting act by remaining to keep these items on my credit report even after evidence has been forwarded by complaint to them from the consumer financial protection bureau,. The credit bureau claims over video recording that they will remove the judgements, and state tax liens, and correct any I formation on my credit report that doesn't belong on there, Still nothing is done, they are walking all over my credit, and laughing about it, I guess they think that I am a consumer who will not do anything, but file complaint after complaint. This time I am requesting the consumer financial bureau instruct the credit bureaus that I will be hiring an consumer protection lawyer to file a law suit against transunion, equifax, and experian for their deceptive willful negligent practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX, XXXX, and experian is reporting time barred debt 4 yrs ,8 yrs, to 13 years past the statute of limitations for credit reporting, state tax liens, judgements, public records on my credit report, voluntary repossessions over 8 yrs old, and reporting credit card payments late, even after I provided a letter of evidence to them from the credit card company that my payments were on time, and account is in good standing instead of having 6 months late payments on my history, they are re inserting debt on my credit without any legal notice, the accounts for XXXX XXXX XXXX were disputed in the past and then removed by 4he bureaus and XXXX XXXX, XXXX XXXX  sold the 2 debts to XXXX XXXX, XXXX XXXX re-inserted the debt without any 5 day legal notice, or warning, and I have no legal binding contract or debt with them it is not mine, tby law they have to remove it for good, the creditors, and credit bureau were being deceptive, and they refuse to remove them, I have had numerous problems with this company, I have even requested 3 years worth of phone records, they are willfully, and negligently violating the fair credit reporting act by remaining to keep these items on my credit report even after evidence has been forwarded by complaint to them from the consumer financial protection bureau,. The credit bureau claims over video recording that they will remove the judgements, and state tax liens, and correct any I formation on my credit report that doesn't belong on there, Still nothing is done, they are walking all over my credit, and laughing about it, I guess they think that I am a consumer who will not do anything, but file complaint after complaint. This time I am requesting the consumer financial bureau instruct the credit bureaus that I will be hiring an consumer protection lawyer to file a law suit against transunion, equifax, and experian for their deceptive willful negligent practices.

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 2021-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion, XXXX, and XXXX  is reporting time barred debt 4 yrs ,8 yrs, to 13 years past the statute of limitations for credit reporting, state tax liens, judgements, public records on my credit report, voluntary repossessions over 8 yrs old, and reporting credit card payments late, even after I provided a letter of evidence to them from the credit card company that my payments were on time, and account is in good standing instead of having 6 months late payments on my history, they are re inserting debt on my credit without any legal notice, the accounts for XXXXXXXX XXXX XXXX were disputed in the past and then removed XXXX XXXX bureaus and XXXX XXXX XXXX XXXX sold the 2 debts to XXXX XXXX, XXXX XXXX re-inserted the debt without any 5 day legal notice, or warning, and I have no legal binding contract or debt with them it is not mine, tby law they have to remove it for good, the creditors, and credit bureau were being deceptive, and they refuse to remove them, I have had numerous problems with this company, I have even requested 3 years worth of phone records, they are willfully, and negligently violating the fair credit reporting act by remaining to keep these items on my credit report even after evidence has been forwarded by complaint to them from the consumer financial protection bureau,. The credit bureau claims over video recording that they will remove the judgements, and state tax liens, and correct any I formation on my credit report that doesn't belong on there, Still nothing is done, they are walking all over my credit, and laughing about it, I guess they think that I am a consumer who will not do anything, but file complaint after complaint. This time I am requesting the consumer financial bureau instruct the credit bureaus that I will be hiring an consumer protection lawyer to file a law suit against transunion, XXXX, and XXXX for their deceptive willful negligent practices.

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 2021-08-07 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:
TransUnion is reporting a 90 day late payment on my XXXX accounts. These accounts were never late. XXXX has already confirmed with me that I have no late payments. This inaccurate reporting has caused my credit score to drop. Please remove late payments. Also, TransUnion has yet to remove unauthorized inquiries from my TransUnion consumer report. I sent them a notarized FTC affidavit concerning these inquiries. Its been two weeks and they have yet to remove these inquiries from my report.

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 2021-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I scheduled a wire transfer on XXXX early morning to a gardener contractor for some backyard work. The wire never got approved on XXXX and still shows a review status on XXXX. I was about to call ally and see whats going and only found out they locked my account without any notification. I called their support on XXXX and got transferred to their back office and answered several security questions. After the agent finally has assess to my account, she later found out she didnt have the authority to do anything and advised me to continue to wait. At the mean time I may end up having to cash out some of my funds in brokerage account just to pay for the home remodeling.

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 monetary relief
Consumer complaint received 2021-08-08 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: NY

Complaint narrative:
Last month I paid off multiple credit cards, a auto loan and paid down my student loan. This month ( XXXX ) im looking to get a new car and I cant because Experian as decided they wont update my report on time! XXXX  has updated my report and so did XXXX but for whatever reason Experian hasnt reported yet leave my score at a non ideal number at the time im looking to get a new car. I contacted them and they said they update the info as soon as the lender send info.. Well it was sent and it wasnt updated! The new statements are out!! every other bureau is reporting correct info! I demand my info to be updated now or i will contact my XXXX  lawyers!. 

I paid off my XXXX XXXX XXXX, I paid down my XXXX XXXX down to {$0.00} I Paid down my XXXX XXXX car down to {$11.00}

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 2021-08-08 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
it was about my business and i was using to pay my bills and try many time to remove the from my credit .i am not able to refinance my home because of the credit score and it effect my whole life because my wife lost her to jobs with a family of 5 peapole i am not able to make a payment,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
Freedom Mortgage has failed to pay my insurance company from Escrow. When I contacted Freedom Mortgage about this, they informed me that they did not receive an invoice from the insurance company. I contacted the insurance company, and they informed me that they re-forwarded and faxed the invoice and payment information to Freedom Mortgage at the appropriate address. My insurance policy is at risk of cancellation because of Freedom Mortgage 's failure to make payments from escrow in a timely fashion. There is an excess balance in the escrow account associated with my mortgage, and Freedom Mortgage has still failed to make the payments. I may lose insurance protection and be at risk of becoming homeless due to weather, fire or any number of other catastrophic events if the bill is not paid. Additionally, Freedom Mortgage is in direct violation of its obligations to the USDA as the servicer of the USDA-funded mortgage that I have. Freedom Mortgage has exhibited a concerning disregard for their legal obligations to borrowers and the public under 12 CFR part 1024.

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 2021-08-08 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: ALCHRO INC.
State: FL

Complaint narrative:
XX/XX/2021 I discovered inaccuracies on my credit report so I sent a dispute letter, My Demand is hereby made for FIRST FED CREDIT & COL to either properly modify or delete the inaccurate, incomplete, and defamatory Item of Information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I told paypal that money was sent to a email that turned out to be a scam an PayPal said that there was no unauthorized activity for {$100.00}. PayPal can not resolve its issue and did not refund me the money. Very easy for scammers to use PayPal and request and accept money.

Company response to consumer: Closed with explanation