vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-10 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: Credit Systems International, Inc.
State: TX

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: ERC
State: TX

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
The complaints are : 1 ) Champion Mortgage did not properly use the funds provided by the state of California for property taxes in XXXX. Since then the monthly statements indicated the account has always been in good standing. Additionally, the mortgage company representatives have also stated the account was in good standing whenever phone calls were made ( all phone calls are recorded by the mortgage company ), However, in XX/XX/XXXX Champion Mortgage sent information stating some property taxes are outstanding and demanded that I pay them or face foreclosure. There are also late fees associated because Champion failed to properly use the funds provided by the state of California to them. I believe these practices by Champion Mortgage are beyond improper and may not be in lawful compliance. The mortgage company has not responded to the complaints. 
( I am including documents which may be helpful for the compliant review. I also have all statements, if you request ).

2 ) Champion Mortgage used " set aside '' property tax funds provided by the state of California to purchase a home insurance policy in XXXX but after the homeowners insurance verification was provided. The mortgage company sent a letter saying it would refund the money used, but the " set aside '' funds used have not been properly returned. Champion Mortgage has not responded to my complaints. 

3 ) Champion Mortgage has not honored my need for them to comply with the American Disabilities Act for my XXXX, which was made known to them on multiple occasions. 

In summary, Champion Mortgage has not only failed to provide accurate and true monthly statement information about the account but engaged in deceitful practices to both me and the state of California. The mortgage representative who noted my last complaint through a phone call is named Ms. XXXX. Several follow up calls placed but the phone operator who answers the calls would not transfer the call to the representative extension number until the account number was first provided, then she ( the operator ) would place the call hold and return to say that Ms. XXXX was not at work today ... at least 3 follow up calls were placed with a message to return my calls. I also asked if any other representative can check the status of my complaints and requests and was told only Ms. XXXX would know. The current fees associated with the complaint are approximately {$15000.00} and continue to increase monthly due to the mishandling by Champion Mortgage. This is also caused unnecessary health problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
CAPITAL ONE BANK USA N Balance on XX/XX/XXXX - {$2600.00} Account Info Account number - XXXX Account status - Closed Date opened - XX/XX/XXXX Account type - Credit Card - Revolving Terms i submitted multiple police reports and XXXX report but company doesnt responed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Something is very wrong here : I believe My Experian, XXXX  and XXXX  scores are being manipulated by the credit bureaus out of retaliation for the complaints I have filed. 
Facts : On XXXX My Experian score was XXXX - 7 Neg accounts, 1 collection for {$9500.00}, overall credit usage at 35 %, Total Debt {$22000.00} XX/XX/XXXX ; NOTHING CHANGED SCORE up to XXXX On XX/XX/XXXX. XXXX, A few good changes : Collection account was remove, Number of late accounts dropped from 7 to 6, Overall credit usage a bit higher to 39 % ( Score dropped to XXXX ) XX/XX/XXXX : MORE GOOD CHANGES : No collection, Credit usage dropped to only 16 %, Total debt dropped from {$22000.00} to {$7800.00}, Credit card debt dropped from {$6200.00} to {$2700.00} and a XXXX Charge Off for {$20000.00} was changed to settled yet my Score barely increases to XXXX So how do I have all these improvements, no other negative accounts and my score doesnt change? 
Take another look : On XX/XX/XXXX, I had a collection account, 7 Negative accounts, Credit usage of 35 %, total debt of {$22000.00} and my EXPERIAN CREDIT SCORE WAS XXXX On XX/XX/XXXX, I had the following Positive changes in my overall credit report : The collection account was removed, Overall Credit usage dropped considerably from 35 % to only 16 %, Negative account dropped from 7 to 6, Total debt dropped from {$22000.00} to {$7800.00}. My total Credit usage amount dropped from {$6200.00} to {$2700.00}, yet get this My Experian credit score barely increased by 3 points to XXXX. How is this possible, especially since it is well advertised that Overall Credit usage is $ 35 % of our combined score and mine usage dropped from 35 % to 16 %? 
Additionally, XXXX  is WAY WAY WAY off and always has been, look at the number of account amount owed and debt with XXXX  compared to Experian and XXXX. I have tried correcting this for years and XXXX  has done nothing. 
This errors cost me thens of thousands each year. That/s just me, imagine the damage to all Americans. 
****I guarantee the response I get from Experian XXXX  and XXXX  will be vague and not address the issue. 
This is one of many reasons why President Bidens plan to get rid of the Credit Bureaus will help over 100 million Americans. As all three Credit Bureaus have my information wrong, my score is inaccurate and numerous differences between each bureau.

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 2021-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: MI

Complaint narrative:
On XXXX XXXX, I contacted the Coinbase Help Desk. I simply asked if they could help me identify an extra {$100.00} wire transfer from my bank. I said I couldnt locate it in the transactions. I was NOT stating I thought I may have been breached. There were three {$100.00} charges in a row. I remembered one. I found the second. My error. Could they help me identify the third. Just a few minutes later, I received a bot email response stating the had locked my account. I immediately replied back NO. I sent another email telling them to unlock it. That was ignored. Then an hour or so later, one of their Staffers replied with a response to my inquiry. I had inadvertently set up a {$100.00} recurring buy charge. He told me how to cancel that. I replied I cant fix it until they unlock my account. He replied it would take their investigators four to five days to unlock it. So I waited. I tried emailing the Help Desk again, but received another bot response that their email was no longer enabled. I had to submit a ticket. I did so. I have since sent in multiple tickets referencing the first ticket number. I just get bot responses saying each ticket will be added to the first. Thank you for your patience. I filed a complaint ticket. It has now been 17 days. Their own site says lockouts can take up to ten days. No other communication. They have only one published telephone number. That is solely for the purpose of calling to lock ones account if one thinks its compromised. I hunted down all three of their physical mailing addresses, of which they really only publish two. I sent a long letter to their VP Customer Experience explaining this whole fiasco. In the meanwhile, Coinbase has my money. It is part of the pool of investor monies that they can leverage for their own investing, yet I can not trade or sell or buy anything while a XXXX XXXX is running. They are thus using my entrusted invested money but keeping me from utilizing it myself. I cant even see how much I am losing or gaining. As a XXXX XXXX on a fixed income who is diligent in watching over his investments for retirement, this action on their part is egregious and untenable. The last time I saw my account there was about XXXX in there. That may be peanuts to them, but it is a quarter of my total invested money. As they keep signing on thousands of new users to fill their coffers, they seem content to manipulate the assets of old clients. Others have been locked out for ridiculous amounts of time as well. I gave no consent for an arbitrary lock out. That is what their one sole telephone number is for. The original ticket number is XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-10 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 — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
In XXXX, I applied for an LL Bean Mastercard. My identity was stolen shortly after I opened the account. During this time, I made a purchase in the amount of {$62.00}. I never received a bill for this purchase. I closed the account shortly after the fraud occurred. 

I did not hear anything from LL Bean Mastercard via phone, email, or mail about a balance due. I believe that LL Bean Mastercard may have had incorrect contact information for me due to the previous fraud that had occurred on the account ( where someone else changed my address, email, and phone number ). 

In XXXX, I received a letter from XXXX XXXX XXXX stating that I owed a balance of {$200.00} because of late fees incurred from non-payments on the LL Bean Mastercard. I disputed the fees, explaining that I had never received a bill, and agreed to pay a reduced fee. 

My credit report, however, shows that I made late payments on this account for 7 months and that my account was 90 days past due. I disputed this with XXXX, but they did not change the information on my credit report. 

I believe my credit report should NOT reflect late payments made on this account, because I could not have paid a bill I never received. I have a very good credit record and pay all my bills on time, so this information is misleading and erroneous, and is harmful to me. It has already caused my credit score to go down and I was denied a new credit card recently due to this erroneous information.

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 2021-02-10 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: NM

Complaint narrative:
XXXX XXXX DIRECT EXPRESS XXXX XXXX  STILE ALL THE MONEY OFF MY XXXX CARD OVER {$1000.00} N LEFT ME OVERDRAWN {$450.00}!!!!! FOR OVER {$1100.00} IN FRAUDULENT CHARGES!!! THEY THEMSELVES TOLD ME TO DISPUTE THEY CAN NOT DVEN FIND AN ADDRESS OR PHONE NUMBER FOR TGESE CHARGES COMING FROM XXXX XXXX!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: WI

Complaint narrative:
This collection is based on equipment that was dropped off to the XXXX XXXX XXXX store over a year ago. I also paid the final bill, so there is no valid debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I was never informed how credit really work so at the time that I received these two credit cards, I thought that I could handle the credit cards responsibly. I did well for a few months and then I had a change in employment which resulted in less money to pay credit card payments. When I got to a place that I could start paying on these two cards, I started sending monthly payments directly to Capital One for the two different credit cards that I had. I did not call and ask for a settlement. I just wanted to be responsible and pay the debt and so I did. Because I didn't know much about credit and credit reports, I didn't know that even once the debt was paid in full, it would appear on my credit report as Charged Off /Paid in full and closed by Consumer. I've become much more educated on credit and have been able to use my credit in a responsible way now. I just ask that the negative remarks be forgiven. Please consider my request as I have been working hard to build my credit profile and use it the way it was intended to be used. Thank You in Advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
XXXX  doctor charge my insurance amount of XXXX. These charges was based on pre existing conditions. I've only had this problem with the doctor. Only have unauthorized charges from this 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 explanation
Consumer complaint received 2021-02-10 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: MO

Complaint narrative:
On XXXX XXXX I was involved in a head on collision that left the XXXX XXXX XXXX completely totaled. The XXXX was towed to the tow lot while I was rushed to the XXXX XXXX. I called XXXX XXXX XXXX to inform them what happened. They explained to me that the car had Gap Insurance on it and that if it was completely non salvageable that it would be taken of my record. I called the XXXX XXXX lot to check the status of the car they stated it was in the lot still. For 3 mths I was given the run around from XXXX stating their insurance person said it is not salvageable and that they couldn't use it for parts. I called the tow lot to see if I could get my belongings in the car the tow lot supervisor instructed me that I could do a release of property with them. I went to complete the process and was told that XXXX picked up the car. I called XXXX where they stated they hadn't picked it up and than referred me back to XXXX XXXX XXXX. XXXX XXXX Lot stated it was picked up on XXXX XXXX by XXXX. XXXX than stated they picked up it as a REPO, which in their definition a REPO is for Non Payment not due to a accident. My XXXX was still and still is in the XXXX XXXX Lot waiting to be auctioned off. According to the tow lot they can't auction nor go in the car due to it being a XXXX with XXXX and XXXX on the driver and passenger seats. The windshield and back seat having extensive damage. The car is in no shape repairable nor able to have parts sold from it. 
On the credit report XXXX stated it was a natural disaster but on the next line stated it was a Repossession. My car note was due the following week of my accident and when I called to info the lender they stated they hadn't known about it but would know within a few days and appreciated me calling right after it happened and that it would be written off since it was due to a accident and they would send an adjuster to verify the damage. I stated I was going to have my adjuster come out XXXX stated that would be fine but I later found out they sent a request for their adjuster to go out and I was charge for him to go out as well as for XXXX moving the car from the XXXX XXXX to the other parking lot instead of allowing it to sit until I had received my belongings or spoken to both XXXX XXXX and XXXX to find out the next steps in this horrible ordeal. 
The report states a natural disaster and repo it isn't the later part but the natural disaster, I just want this to be solved and me to stop going back in fourth communicating with parties that should've properly document and spoke to me regarding the car situation since it was mine and I had majority belongings and business artifacts in the car.

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