vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Lazega & Johanson LLC
State: GA

Complaint narrative:
I called the # listed by employer for XXXX to address that 70 % of my pay was being garnished every 2 weeks as opposed to the 25 % noted in a statement I received from the law firm that never served me the court order. XXXX has a phone prompt that direct you to a # supposedly to the XXXX XXXX XXXX XXXX. Calling the # did not take me to the Magistrates office instead it went directly to the law firm that continues to target me every couple of years for non-payment of HOA fees that cant be paid due to same law firm blocking annual payments. I attempted to pay last years HOA fees in an attempt to prevent another occurrence and was not allowed to make a payment due to my need to settle the previous alleged debt. I have brought the concern ( my disposable pay is {$1200.00} bi-monthly, {$860.00} is being garnished for an undetermined time for a dept of an amount that supposedly includes a {$1300.00} principal and {$4100.00} atty and court fees ) to my employer who keeps referring me back to XXXX who doesnt respond in person. I am a XXXX y/o single female who can no longer pay my mortgage, my utility bills, etc, etc

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 2021-10-05 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: PA

Complaint narrative:
I noticed fraudulent and inaccurate information on my report. Please delete and update my credit 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 2021-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I noticed fraudulent and inaccurate information on my report. Please delete and update my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
After several attempts of contacting these 3 credit agencies to renove this fraudulent information listed on my accoutn after their suppose investigations. Which I believe was never done because at the time of these accpunts being opened I was in prison. I sent information that proves I was in prison.

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 2021-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
After several attempts of contacting these 3 credit agencies to renove this fraudulent information listed on my accoutn after their suppose investigations. Which I believe was never done because at the time of these accpunts being opened I was in prison. I sent information that proves I was in prison.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
A wire was sent to PHH mortgage company on XXXX to pay the loan balance off in full. The wire amount was for XXXX. I've been calling PHH and emailing them since XXXX trying to find out why the funds have not been applied to the loan balance, and why the loan has not been paid off in full. 

I'm getting no where with PHH, and their representatives can't even tell me if they received the XXXX. As of XXXX PHH is stating that my mortgage is now 5 days past due. I can't get them to fix this problem, find the wire that was sent to them, and apply it to the loan to be paid off. Please help with this matter as this is now adversely affecting my credit. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021, XX/XX/2021, XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
Good day! My name is XXXX XXXX XXXX XXXX from XXXX and I always use my paypal account whenever my fiance sends me money from XXXX and I also use it whenever I also send money to my friends and because I have also linked my paypal to my XXXX account so that I can withdraw money in pesos but my paypal account is now in limitation and i can't get my balance money in my paypal account and Paypal sent a message to my email saying I can't use my paypal account and I have to wait another 180 days to get my money because my paypal account is in limitation so I can't send money or receive money from in my paypal account. What should I do? can you help me get my balance money on paypal without having to wait 180 days? 
Email : XXXX Address : XXXX XXXX, XXXX XXXX XXXX XXXX Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
After several attempts of contacting these 3 credit agencies to renove this fraudulent information listed on my accoutn after their suppose investigations. Which I believe was never done because at the time of these accpunts being opened I was in prison. I sent information that proves I was in XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.

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 2021-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: STERLING JEWELERS, INC.
State: GA

Complaint narrative:
My Identity was stilen while I was in prison. I have made serval attempts to correct these issues by submitting mypridon outdate along with my correct information but these companies refuse to remove this debt from my credit report. After serving years in prison I am trying to grt my life back in order amd these companies are hindering me because of my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I natural person, consumer, and creditor PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
My Identity was stilen while I was in prison. I have made serval attempts to correct these issues by submitting mypridon outdate along with my correct information but these companies refuse to remove this debt from my credit report. After serving years in prison I am trying to grt my life back in order amd these companies are hindering me because of my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TIDEWATER FINANCE COMPANY, INC.
State: MI

Complaint narrative:
The vehicle that I am purchasing, is finance through Tidewater. It is under a recall, on the engines The vehicle was towed to the dealership where i purchased it. The dealership stated that they could not look at the vehicle for three months and they did not know when it will be fixed. I reached out to all the four dealerships that service the vehicle and they stated the same. They also said they don't have any loaners available. It has been going on four months. They state that they are overwhelmed and can't do any better. I call every day and they say the same thing. I have explained this to Tidewater, but they still say it does not matter, I have to continue paying on a car that I do not have or use. I don't have anything to drive and don't know when or if I'll have something to drive. I want to work something out where my credit doesn't get bad for none payments, but it doesn't make sense to make a XXXX payment every month, on a XXXX XXXX XXXX that you can not drive. If Tidewater could work out something with me until or if I get a car back, or even if I can get a loaner, it would be helpful to me. I am a senior and this is very difficult with no transportation, but paying for one.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF THE WEST
State: TX

Complaint narrative:
First, I am XXXX yrs old, and on Social Security benefits as my income. As hard as I try, occasionally I am overdrawn when my bank, Bank of the West California, pays a programmed AutoPay bill on the XXXX of the month. I do not get my next SSI deposit until XXXX XXXX, XXXX. It will be more than two weeks before I can sort this out even though I have been a good customer for many years.

The bank will pay this even though I do not have Overdraft Protection. I also had one other account that tried to bill my account but that was only for {$15.00} so I guess that wasn't important enough for them to bother.

However, are there not rules against Usury? Being charged {$35.00} for an overdraft of {$88.00} is one thing, but then the bank threatens to charge an " Extended Overdraft '' fee for more than five ( 5 ) days! Isn't this called loan-sharking? Another {$35.00} for {$88.00} for five days? Give me a break. I am a senior and the bank makes lots of money on many, many fees. 

Is there any way you can not only help me with this instance, but also in getting the banking laws changed to prevent this kind of predatory behavior? Man, since XXXX, and passage of the Dodd-Frank XXXX XXXX XXXX have not seen anything but consolidation of the financial industry and a deterioration in service and an increase in plain old XXXX  and no one does anything about it. 

Your assistance is greatly appreciated, XXXX XXXX XXXX XXXX XXXX since 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 monetary relief
Consumer complaint received 2021-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Firstsource Business Process Services, LLC
State: AZ

Complaint narrative:
collection agency is not licensed in the State of AZ did not know that XXXX XXXX had sent to collection no notices

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CHARLES SCHWAB CORPORATION, THE
State: OH

Complaint narrative:
I opened a Checking and Brokerage account with Charles Schwab in XX/XX/XXXX. I immediately funded said accounts and purchased stock using the Brokerage account. A few days after opening, Schwab locked both accounts claiming they believed them to have been opened fraudulently. Since that time, I have contacted Schwab numerous times ( 12 ) and supposedly given them all the information they need to regain access to my accounts. Each time I have been told that another office will remove the block and give me back access in 3-4 business days. It has been 6 months of going through this and still haven't regained access. I am obviously being given the run around, which was honestly unexpected from a company like Schwab.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
collection agency is not licensed in the State of AZ did not know that Capital One had sent to collection no notices

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: AR

Complaint narrative:
On XX/XX/XXXX, I received an email from what was supposed to be Coinbase stating that my account was disabled and that I needed to verify my identity. Once I clicked the link and verified my identity, I proceeded back the app to see that all of my funds in the account were gone. Approximately {$2000.00} was cleared from my coinbase/coinbase pro account. 
I called to speak with a customer service representative on XX/XX/XXXX, and which they stated they were not responsible and could not get my funds back. As if they weren't going to even investigate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Aqua Finance, Inc.
State: GA

Complaint narrative:
XXXX XXXX and XXXX are reporting payment increases to a closed account which had the wrong information to begin with. And is a menace to my quality of life. They are allowing this company to deliberately drag me financially. When the pandemic was the cause

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: U.S. BANCORP
State: MO

Complaint narrative:
On XX/XX/2021 I went to U S Bank XXXX at XXXX XXXX XXXX XXXX to acquire a checking Account for My XXXX XXXX XXXX ( XXXX XXXX XXXX ). The Customer Rep said the account could not be open because it was the policy not open accounts that owed the bank money. But the Rep didn't give me a decline statement. The recovery debt department later ask why I had not paid the charged-off items in questions. I answered XXXX XXXX XXXX and a deceased wife that gave all her money to her children. The recovery Rep then reduced the debt from {$600.00} to {$200.00} but bank did not allow the opening of a business account.

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 2021-10-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am unable to receive my annual credit report online for Transunion. 

I keep receiving an error : " We do not have a record that matches the information you entered. If your personal information ( name, SSN, address ) has recently changed, you should make sure that your personal information is current with us, and resubmit your request using the methods listed below. '' I called the number provided on the website and spoke to a Transunion CSR. The CSR told me my report would be sent via US Mail however instead I received a post card from Transunion saying they never heard on me before. 

My Transunion File Number is 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 2021-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish it has caused me in my life. Please help resolve this matter because it is illegal to report these accounts without my written signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. If your agency is unable to do so, I demand that this account be removed from my credit report.

Company response to consumer: Closed with explanation