vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-28 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: TX

Complaint narrative:
XXXX ; XXXX and Transunion should not be reporting each inquiry listed as a separate line item on my credit report. ( Please see page attached for reference. ) These multiple inquiries are well within the 45 plus day shopping window that is typically allowed to check different lenders and find the best loans. Each of these inquiries are of like kind. They are not separate, individual entities. These inquiries should not have negatively impacted my credit score. Please remove these inquiries from my report. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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: TX

Complaint narrative:
XXXX  ; Experian and XXXX should not be reporting each inquiry listed as a separate line item on my credit report. ( Please see page attached for reference. ) These multiple inquiries are well within the 45 plus day shopping window that is typically allowed to check different lenders and find the best loans. Each of these inquiries are of like kind. They are not separate, individual entities. These inquiries should not have negatively impacted my credit score. Please remove these inquiries from my report. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have recently reviewed my credit report to see that XXXX XXXX XXXX XXXX is still trying to collect an alleged debt. I have reported this is Experian over 30 days now. This account is violating my privacy, defaming my character, ruining my family, and hurting my score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
Experian has and continues to provide my financial data to parties that do not have legitimate use or purpose. 

In order to see how long this has been happening I filed a complaint with CFPB in XXXX of 2020 requesting this information from Experian ( case number XXXX ). Experian closed the complaint XX/XX/2020 requesting more information. This information was provided -- -such as ID and a more complete description but they would not deliver an extended view of those looking at my credit after multiple attempts. 

XX/XX/2020 I filed a complaint with the State of West Virginia Attorney General. Experian would not respond to the Attorney General of West Virginia.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
Hello, Since few days my My account coinbase is retricted, I try to ckeck control Identity but Don't work and Coinbase don't respond to my case, so I can do nothing with my account ; I don't unstand why? eveything work fine before. 
this one of my case number open to COINBASE : XXXX. 
can you help me to fixe my issue please. 
thak you best regard.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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: TX

Complaint narrative:
Equifax should not be reporting me as an authorized user on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the bureau to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
I applied for an account at Square and they are stating they ' can not verify my identity ' which makes absolutely no sense. I have bank accounts, credit cards, pay taxes etc and I have documentation to prove all of this. As well as a licensed LLC in my name with an EIN tied to my Social Security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I disputed these accounts with the credit bureaus XX/XX/2020. I never received any results or anything stating that the credit bureaus have started an investigation. On XX/XX/2020 I sent another letter stating that I hadn't received a response. This has not been about 40 days since my initial dispute. The credit bureaus still havent responded and nothing has changed on my reports. To my knowledge the credit bureaus have 30 days to respond and if they don't that is automatic grounds for deletions of the accounts that were disputed. At this point the accounts should be deleted. I am considering filing a litigation because this is becoming stressful and especially since I was a victim of the XXXX data breach. Please delete these accounts immediately. 
XXXX is the only bureau that deleted the accounts and if you all get the information from the same creditors I don't see how these accounts are still reporting with Experian and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
We sold a boat through a broker, XXXX XXXX out of XXXX, Michigan. 
The proceeds from the sale, {$76000.00}, were wire transferred through XXXX XXXX to our Wells Fargo Bank account on XX/XX/2020, per information received through XXXX XXXX. The deposit in our account has yet to show up as of today, XX/XX/2020. 
We have contacted Wells Fargo several times over the last 10 days and they see nothing on their end. 
We have contacted the XXXX, XXXX XXXX ( XXXX XXXX XXXX ) many more times. He has contacted XXXX XXXX, who handles his account and the wire transfers. They maintain that the wire transfer occurred on XX/XX/2020. 
On XX/XX/2020, XXXX XXXX maintains that they sent a message to Wells Fargo, via the Federal Reserve System, to find out what is going on. We have heard nothing back from anyone. 
Everyone that I have spoken to maintains that a wire transfer should only take 2-3 days. I spoke to wells Fargo this morning and nothing shows up and they can not tell me whether or not a message was sent to them from XXXX XXXX via the Fed.

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 2020-12-28 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: FL

Complaint narrative:
I have disputed this issue several times, called the creditor and confirmed this is a mistake. What is it going to take to get this corrected with Equifax which is the ONLY company out of all three reporting such inaccurate information on this account. 

Account is under XXXX XXXX XXXX XXXX Paid charged off listed which is 110 % inaccurate this account was paid as agreed and NEVER went even late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Mr. Cooper, a company that took-over my existing loan and that I did not choose, got caught taking my money, not belonging to them, but of course, stated some nonsensical excuse for the taking. It's an excuse that you would say, " Yah right. '' I made an extra payment reported by Mr. Cooper on my XX/XX/2020 statement. Even though my check that was paid between payments and clearly stated to pay on principal only, Mr. Cooper still kept the interest on this extra payment and only credited the remainder to principal. If I wouldn't have caught the company doing this, it would have made money not intended for them. 

Remember that one cockroach found, means that there are really thousands not. My voice represents many ; I am sure. Of course, I didn't get my statement dated early XX/XX/2020. It's no coincidence ; this is the first time that has ever happened. Please let me know all the ways that I can complain about this company to protect others. 

I am sure that you will do all that you can to get safe conditions for the public having to deal with this company.. Thanks for your full attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: OH

Complaint narrative:
usbankreliacard received ... .do n't know why. Never applied for unemployment

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 2020-12-28 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have recently reviewed my credit report to see that XXXX XXXX XXXX XXXX  is still trying to collect an alleged debt. I have reported this is Equifax over 30 days now. This account is violating my privacy, defaming my character, ruining my family, and hurting my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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: Convergent Resources, Inc.
State: FL

Complaint narrative:
On XX/XX/2020, CONVERGENT OUTSOURCING add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CONVERGENT OUTSOURCING has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: USCB, Inc.
State: NV

Complaint narrative:
On XX/XX/2020, Revsolve called me at XXXX XXXX. in my time zone. I filed a complaint. On the day they likely received the complaint, I was called 5 times in rapid succession by someone who blocked caller ID ; the person refused to identify themselves ( at which point I turned XXXX XXXX XXXX  on ). The calls only ceased when I answered the phone and said, " I know who you are and I am filing another complaint, '' which indicates that this was both illegal retailiation and illegal debt collection practices from RevSolve Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
On XX/XX/2020 A letter was sent to American Honda Finance requesting payment history and documents to support what is reporting to the bureaus. I have yet to get any response. 

I then followed up with the bureaus on XX/XX/2020 via fax. The silence is deafening. Inconsistent data continues to report with errors. 

I will attach the documents I had sent to the bureaus along with the report. I am going to list the inconsistent misleading data. 
Date of first delinquency is not listed Purge date is not listed Date of last payment is not consistent Date opened is not consistent Late dates are not consistent

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CT

Complaint narrative:
Hi, I have paid off the mortage to Loancare company. This company is not issuing me a Lien release letter even after the loan is paid it off. This was paid off in XXXX this year. 
They said they have mailed it out but my Town Clerk, they have not received yet. 
I have been calling up them for last 3 months and till date they have not issued the letter. 
I have even told them I shall pay for the mailing charges and I want them to send by priority mail so that I can track the mail. 
I have called and emailed them with no use. 
I still dont understand what is stopping them to issue the Lien release letter even after been paid in full. 
I request you to kindly talk to them and even before raising this complaint I told them about 3 weeks ago that if they dont send it I will be reporting this to you. 
Even that didnt make any difference to them I suppose! 

Hoping you can reslove this issue for me. 

Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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: WA

Complaint narrative:
XXXX should not be reporting to Equifax and XXXX  a collection/chargeoff in the amount of {$1600.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I contacted XXXX and informed them that I was being XXXX. This account should have been cancelled and not be reporting an outstanding balance due. Pursuant to the Servicemembers Civil Relief ACT ( S.C.R.A. ) - Benefits offered by the SCRA include : Lets you terminate your telecom contracts ( telephone, cable, internet, video & audio streaming, etc. ) if you relocate for at least 90 days to a location that doesn't have coverage under your current provider. 
I was XXXX for several months and upon returning I had moved and no services were provided in my new location. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
Since XX/XX/XXXX Rash Curtis and Associates ( RCA ) has attempted to collect a large medical debt stemming from an ambulance ride with XXXX XXXX XXXX Department ( XXXX XXXX I took in XX/XX/XXXX. They failed to notify my insurance company whose information they were provided with in XX/XX/XXXX and again in XX/XX/XXXX. 

During the date of service I was insured for an ambulance ride by XXXX XXXX XXXX. Neither XXXX or RCA contacted my insurance after they created the bill. RCA contacted me in XXXX telling me I owed almost {$3000.00} and threatened me saying my credit score would be affected. Despite me telling them to contact my insurance. 

Even after they had the number of my representative and my insurance information they continued to make threatening phone calls attempting to get money from both myself and my insurance. 

After long negotiations in XX/XX/XXXX with my insurance representative, XXXX XXXX XXXX paid the original amount owed to XXXX. 

Rash Curtis and associates is now claiming that I owe interest. Interest on medical debt that they failed to acquire from my insurance company XXXX in XXXX. 

I believe this is a fraudulent attempt to collect more money than they are owed. By neglecting to inform my insurance in XXXX they allowed the interest to climb to {$980.00}. They are now attempting to collect this money from me personally. 

The only reason this debt exists is negligence on the part of RCA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I opened a new checking and savings account with Citi Bank online on XX/XX/20. They were offering a promotion whereby if I deposit {$50000.00} and leave it in the account for 60 days, they will deposit a bonus of {$700.00} in my account. I transferred {$50000.00} into the account and was notified via email that the funds were received on XX/XX/20. I noticed my account was locked ( I couldn't sign in ) on XX/XX/20, and on XX/XX/20 I was informed via a phone call with a Citi representative that my account was being closed. I was also informed that the only way to retrieve the funds was to wait upwards of 60 days to receive a check in the mail. The representative informed me that there was no other way to retrieve the funds and that I must wait. She also notified me that the reason for closure was due to negative history with Citi.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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: TN

Complaint narrative:
Experian keeps letting XXXX and XXXX XXXX  XXXX report a late payment each month on a charge-offs that are 5-7 years old. I am requesting that these matters be submitted to the Comp. Controller for investigation. There is no payment plans set up or civil judgments. This is an attempt for Experian to keep scores low so that they can get more secondary lenders to partner with them. In addition, I have submitted information to Experian from XXXX showing that there is no bankruptcy and Experian repeats that they are not satisfied with the answer from the people who put it on 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 2020-12-28 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: WA

Complaint narrative:
XXXX should not be reporting to XXXX  and Experian a collection/chargeoff in the amount of {$1600.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I contacted XXXX and informed them that I was being XXXX. This account should have been cancelled and not be reporting an outstanding balance due. Pursuant to the Servicemembers Civil Relief ACT ( S.C.R.A. ) - Benefits offered by the SCRA include : Lets you terminate your telecom contracts ( telephone, cable, internet, video & audio streaming, etc. ) if you relocate for at least 90 days to a location that doesn't have coverage under your current provider. 
I was XXXX for several months and upon returning I had moved and no services were provided in my new location. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a 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