vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-31 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: NJ

Complaint narrative:
The XXXX  At EQUIFAX, Refuse To Update Mt Credit Report ( They Hate To Raise My Credit Score ). I Don't Want Them Touching My Personal Financial Information Anymore. They Refuse To : Show My XXXX Balance Of {$2000.00}, PAID OFF Weeks Ago. They Refuse To Show My XXXX XXXX CREDIT CARD Balance Of {$17.00}, PAID OFF Weeks Ago. The Refuse To Show That I Paid {$1000.00}, To My XXXX XXXX LOAN. They Just Finished A Investigation Of My Credit Score, And They Refused To Update My Credit Score?????. What Is Their Problem? I Want To Sue Them, For Intentional, Manipulating, My Credit Score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31 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: DC

Complaint narrative:
I am that I am, a citizen of heaven, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the surname/given name, XXXX, XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX, XXXX and autograph as the agent, attorney in fact. I am a federally protected consumer pursuant to 15 USC 1681. I did not give permissible purpose to furnish this fraud on my consumer report file. These violations results in {$1000.00} for each to be paid to the consumer.Pursuant to all the facts I stated above, here are my written instructions as to what I, a consumer in fact want removed from my report immediately. I also DO NOT authorize any automated response or e- Oscar verification method.If all the accounts listed above arent removed in 30 days as stated in 15 U.S. Code 1681i ( 1 ) ( A ) which directs you on what to do when investigating a consumers file for accuracy without the proper investigation practices Pursuant to 15 U.S. Code 1681a ( e ) which I quoted above ; I the consumer will seek remedy under 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) ( B ) ( 2 ) ( 3 ) Civil liability for willful noncompliance.

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 2021-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I disputed one XXXX XXXX various times on XXXX, XXXX, and XXXX with Experian do to account being fraudulent and it still showing up on 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 non-monetary relief
Consumer complaint received 2021-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
QUESTION INTO BANK OF AMERICA and XXXX XXXX I sent my mail certified into Supreme Court OF US XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX how much time? 
2/ Why did my docket at Supreme Court OF US show up JUST ONE TIME?

3/ MY mail certified I sent into all Court, It is big yellow envelope mail, I did not sent small envelope Mail, all can not lost ONLY appear stolen and theft, fraud my case at Supreme Court OF US XXXX abused took my money at my bank account, and unite with all defendants and XXXX did not delivery my mail for me.. TO PAID BACK almost {$10.00} dollar in my account, IT is no fair for me and no right about match, because I sent into all court with over XXXX times certified MY CASE at all Court, It is injury and damage, It is not simple complaint, It relate my bill, fee and big my damage I can not handle I petition to dispute direct into CONGRESS OF US compensation for me, include dispute direct into department INSURANCE OF CALIFORNIA REASON XXXX I came in XXXX, I pay INSURANCE and TAX from my account and my bank I pay INSURANCE by my tear eye, my blood.. I should hard work too much state BUT now I was injury and damage, I am not settlement opposite to abused POWER XXXX XXXX, XXXX  me direct at XXXX XXXX, XXXX my face as CRIME, as terror and as people XXXX XXXX insult my face and my XXXX, destroy all things I was build up for my son Yes.. Now I am XXXX XXXX, BUt before I was hard work from XXXX to XXXX, I save my life, my enjoy and my stomach for TAX, INSUrANCE and my son we were terror by POLICE and defendants unite together, to made for my son was fail MEDICINE DOCTOR

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 2021-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Google Compare Credit Cards Inc.
State: AZ

Complaint narrative:
I have been fraudulently charged by Google Pay services, 7 charges in all to date, locked my debit card, unable to contact my bank fraud department till Monday, but filed a police report with the local police department here in XXXX, Arizona, these charges are fraudulent and unauthorized. The amounts were small, {$13.00} to {$9.00}, discovered this on XX/XX/2021 while checking my checking account as I normally do monthly, the charges started on XX/XX/2021, 4 charges were made same day, others on separate days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31 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: GA

Complaint narrative:
I've asked EXPERIAN CREDIT BUREAU several times to remove inaccurate personal information that is reporting on my credit. For example my name being reported incorrectly, unknown addresses, and the employer status that is invalid. 

I have contacted EXPERIAN CREDIT BUREAU on several attempts to get this matter rectify. First attemptXX/XX/XXXX, Second attempt XX/XX/XXXX, Third attempt XX/XX/XXXX. On my third attempt I expressed if this matter isn't corrected, I will be force to file a complaint with CFPB. My petition was disregarded. EXPERIAN continues to report the wrong personal information in my file. 

I hope who ever reads this complaint will be able to help me in this matter. I have been a victim of identity theft once before in my life. It is a terrible, stressful, and unfortunate thing to deal with. Therefore I am trying my best to protect my information at all levels. THANK YOU IN ADVANCE.

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 2021-10-31 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: AR

Complaint narrative:
This is an account that is over 7 years old according to the fcra and the fair debt collection act debt good or bad is to fall off after 7 years this is fact

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 2021-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation
State: NJ

Complaint narrative:
I received a collection letter from XXXX XXXX on Friday XX/XX/21. XXXX XXXX is found in Texas. I have never lived in Texas and did it authorize these accounts to be opened. Someone has my social security number in Texas and Im a victim of identity theft. 
This thief opened 5 energy bills in 5 different Texas locations. They were never paid off and they never left a credit card on file or anything to trace back to them. They used my maiden name and social to open these accounts. 
The cred collection company Penn Credit Corp. is aware as I called them right away on Friday when I received the notice of collection. The account number is XXXX. When I called the collection company they actually made me aware of worse news that I have 5 accounts not just one as stated in the letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31 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: AR

Complaint narrative:
This is an account that is over 7 years old according to the fcra and the fair debt collection act debt good or bad is to fall off after 7 years this is fact

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31 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: AR

Complaint narrative:
This is an account that is over 7 years old according to the fcra and the fair debt collection act debt good or bad is to fall off after 7 years this is fact

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 2021-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I was locked out of my PayPal account by an ex partner and PayPal knows this as they approved already some dispute claims I filed. But then I filed for another dispute that I noticed and I filed on XX/XX/XXXX and was denied over night by the morning they had reviewed my case, investigated and then proceeded to deny my claim and then close my account. I hardly believe that PayPal thoroughly investigated. In a few hours. I was my money back and a proper investigation. Dispute case : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was NEVER notified that there was a debt owed from the original creditor or the collection company. It is a {$62.00} from XXXX XXXX. They placed this collection on my credit report without trying to contact me first.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: TX

Complaint narrative:
Since the merger of BBVA with PNC starting on roughly XX/XX/2021 I haven't been able to access any of my four banking accounts with either BBVAs online access or PNCs online access. I am unable to know what is in the accounts, conduct banking transactions and pay bills. Ive also been accessed a non-sufficient fee once already due to not being able to see the amount of funds in the accounts. PNC keeps telling me my accounts are being transferred and I have to wait. In order to get any info about my accounts I have to spend hours at a local branch to conduct banking transactions and this is getting ridiculous. I cant manage my accounts and transfer money between accounts to pay bills as all my bills are set up on auto pay. At this point I just want to be able to transfer my money out of PNC Bank. I have no documents as I have no access to anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Sir I'm XXXX on XXXX. I have account on XXXX & I seen a swimming pool on sale for 72 hour at the first of summer XX/XX/XXXX and that Index pools and know that brand had one for years and needed another one cause my plumbing is not working. I got one to bathe. Never got the pool. Pay Pal gave them the money before I got the pool. Never received the pool I been with out .I Disputed it came back declined. Can you help me get my money back I waited 2 weeks never came. So XXXX and PayPal is not doing things right. Right is Right Wrong is Wrong Good is the only way to do. Thank you for your time and concern.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
Pandemic and received forbearance for a year and was offered no retention options to keep my home because Select Portfolio didnt tell me until the end of my forbearance that my private lender wasnt offering options. Im in Chapter XXXX now and at mediation SPS says again my lender will not offer any options to modify. So its either lump sum payment or pay thru my bankruptcy plan. I think the Cares Act should of included some relief that the private lenders should have at the end the the Cares Act forbearance. Yes I can stay in my home thru my chapter XXXX plan but my payments are so high its going to be hard. SPS shouldnt of told me I had no option at the end I asked thru out the forbearance and they always replied there will be options but couldnt tell me which one when they did know.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31 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:
Crypto exchange Coinbase has my account under a review since XX/XX/XXXX and that means that all the crypto that I hadn't yet removed from my Coinbase account is frozen now. 

I haven't been able to reach a single human being and get an answer, even after contacting the support email for more than 10 times as well as failing complaint with the company. 

On top of freezing my crypto with no warning ( as promised in their terms of use ) the company is ignoring my demand to release my customer data. 

They also state that account reviews take a couple of days when I have been waiting for 88 days. 

I suspect that they are locking people out randomly to boost the money pool on the platform and that would be illegal as I never gave my consent for them to borrow my money. 

There is an ocean of complaints from other users across the internet who were also locked out of their accounts with no reason or notice. 
Please look in to this, Coinbase is dong something very, very sketchy. 

Sincerey, Never trust Coinbase with your money! 
I hope CPFB can hep me..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: PA

Complaint narrative:
I was on a forbearance since the pandemic started due to my job shutting down. I have worked at another place but with the reduction in pay Ive struggled to pay all the bills. My morgage company was just doing emails with the forbearance extensions so that was a huge help. I just needed 1 more extension and I could begin to make payments as my job will be opening back up at the end of the year. On the month before my extension was set to expire I submitted an update to request another extension. As has been customary they said dont call and that it will be done via email. Well a month later I got a letter in the mail that I was late. About 2 days later I got the XXXX statement and it said I was still covered under forbearance so I didnt know what to believe. Then I called my mortgage company and they said I wasnt approved for an extension and that I would need to do another process than what I was doing even though they said my area was still in the zone for forbearance extensions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31 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: PA

Complaint narrative:
All three credit bureaus continue to report inaccurate information, which a dispute letter has been sent certified receipt return. They continue to violate 15 USC 1681a ( 4 ) Consumer Right to Privacy, FDCPA 807 misleading False reporting. I have sent numerous of letters requesting method of validation and they continue to obscure the validation notice.

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 2021-10-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
XXXX XXXX XXXX c/o XXXX XXXX XXXX # XXXX XXXX, California [ XXXX ] State of California Secretary of State Secretary of State Dr. XXXX XXXX XXXX XXXX XXXX XXXX California XXXX Dear Secretary of State XXXX XXXX XXXX , I, a living woman, am serving you Notice of my standing as a California State National , as I know it is your duty to defend my constitutional guarantees. 

I am exempt from all Municipal duty and service by my exemption found at Title 50, Section 7 ( c ) and ( e ) of the 2012 Edition of the Federal Code. ( Enclosed ) I am not an individual corporation created under Municipal law. 

I am exempt from all Territorial obligations, as I am a Foreign Sovereign as stated on the Mandatory Foreign Sovereign Immunity Notice ( Enclosed ). I claim my exemption under the Supremacy Clause of Article VI of The Constitution of the United States of America and Amendment XI thereof, which provides that no American is subject to foreign law. I am not an individual created under 1USC 8 as a Territorial citizen. 

I have one contract and one contract only with the government officials. If they are MUNICIPAL Employees, the contract is The Constitution of the United States. If they are Territorial Employees, the contract is The Constitution of the United States of America. Article VI is the Supremacy Clause, no other law, statute, code, or regulation stands above the Constitution owed to me as an American and any contrary law is null and void. Amendment 10, the power remains with the States and the people. 
Amendment 11, Americans are not subject to any foreign law. Ever! This includes the statutes of the States of States and the codes of the Federal Subcontractors. 

Therefore, I owe no duty to any Municipal or Territorial court, instead any Municipal or Territorial court has a duty to set me free from any presumption of obligation under any foreign law, and to return to me my assets and my freedom without debt or encumbrance. '' By : XXXX XXXX XXXX @ All Rights Reserved Without Prejudice

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31 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 — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am XXXX XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. I sent certified letters to XXXX, XXXX and Trans Union specifically requesting my credit file. The dates on these letters were XX/XX/2021 and I mailed them certified XX/XX/2021 at XXXX XXXX at XXXX XXXX. All 3 agencies sent me my credit report instead of my credit file and deceptively told me that my credit report and credit file are the same ( they are not the same ). I spent {$8.00} for each certified letter only for these agencies to send me what I didn't request and not include the return receipt! I want my credit file! Not my credit report. And I want my money back.

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 2021-10-31 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am XXXX XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. I sent certified letters to Equifax, XXXX and XXXX XXXX specifically requesting my credit file. The dates on these letters were XX/XX/2021 and I mailed them certified XX/XX/2021 at XXXX XXXX at XXXX XXXX. All 3 agencies sent me my credit report instead of my credit file and deceptively told me that my credit report and credit file are the same ( they are not the same ). I spent {$8.00} for each certified letter only for these agencies to send me what I didn't request and not include the return receipt! I want my credit file! Not my credit report. And I want my money back.

Company response to consumer: Closed with explanation