vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lockhart, Morris & Montgomery Inc.
State: TN

Complaint narrative:
I checked my credit reports and noticed that on my XXXX credit report that my score had dropped because of a collection from this company. I have NEVER received ANY information regarding this debt. No letters, no telephone call, NO communications, it was placed onto my credit profile. This debt was for XXXX XXXX XXXX in North Carolina. At that time, I had XXXX XXXX XXXX and my insurance paid the balances. I do NOT have any other collections items on my credit profile and was SHOCKED when I learned of this inaccurate information. 

I can not get ANY sort of validation or PROOF of said debt, and it appears it has been " sold '' to someone from XXXX XXXX. I do not have an issue paying the debt of {$200.00} IF it is valid. HOWEVER, I can not find a contract the I SIGNED saying that I owe ANY monies to Lockhart, Morris, and Montgomery. Therefore this debt is INVALID I want this bogus collection account removed from ALL of my credit profile IMMEDIATELY or I will seek further legal action

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/2020 I filed a bankruptcy which was dismissed on XX/XX/2020. However XXXX XXXX obtained the information and have sent it to all 3 credit bureaus. I have sent multiple letters requesting validation and asking for it to be removed. Experian continues to update the information as current when it needs to be completed removed because it was dismissed it never happened.

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 2021-06-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
i have an account with coinbase i invested in over {$500.00} of bitcoin and ethereum i received phone calls from someone saying they were coinbase i reported this to coinbase coinbase frozen my account, promise to resolve in 10 days that was 3 months ago up until now, i can not access my money i want to cash out and close the account, at the rate of exchange when the froze my account preferably no response from coinbase

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
In XX/XX/2021, I found out my father took out a loan in my name. I began receiving notifications through my credit reporting agency that my score had been affected because of this. I reached out to the original creditor ( XXXX XXXX for XXXX XXXX ), and the collection agency they referred the debt to, Portfolio Recovery. I explained this was not my debt. My father had even admitted to the debt being his, had called Portfolio Recovery directly, and signed sworn statements verifying this debt. The account was not mine, has never been mine, I do not even own a vehicle in order to take out a loan like this. Both agencies refuse to remove my name from the account. Additionally, Portfolio Recovery has been calling me nonstop even after they have been told to only correspond with me via email or snail mail. I have made this request to them in writing several times, yet they continue to call me everyday.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
This is old now should not be reporting on my file now stated should fall off. 
STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response We reviewed the attached complaint and our file on this matter. This account was assigned to us for contingency collections in XXXX for XXXX XXXX received by the complainant. She sent us a cease and decist/dispute/validation request letter in XX/XX/XXXX, which we responded to promptly. From that point, she continues to file online CDVs, which we have responded to and will continue to respond to. Fidelity is under no obligation to send validation multiple times. It was only requested once, contrary to her complaint, and it was sent XXXX XXXX ). Online CDVs are not a request for validation, nor do they mandate such being sent. If XXXX XXXX would like to honor her responsibilities and pay her bill, she is welcome to contact our office and make arrangements. Otherwise, the matter will remain active in our office.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 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: GOLDMAN SACHS BANK USA
State: AL

Complaint narrative:
Applied for Apple Pay unfreeze my XXXX  credit report for 2 days so my application would go through for my application to be processed I entered all my information correctly ( 2 ) times and apple credit card application can not verify my identity but will place inquiries on my credit bureau report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
In XX/XX/2021, I found out my father took out a loan in my name. I began receiving notifications through my credit reporting agency that my score had been affected because of this. I reached out to the original creditor ( XXXX/Synchrony Bank for Car Care ), and the collection agency they referred the debt to, XXXX XXXX. I explained this was not my debt. My father had even admitted to the debt being his, had called XXXX XXXX directly, and signed sworn statements verifying this debt. The account was not mine, has never been mine, I do not even own a vehicle in order to take out a loan like this. Both agencies refuse to remove my name from the account. Additionally, XXXX XXXX has been calling me nonstop even after they have been told to only correspond with me via email or snail mail. I have made this request to them in writing several times, yet they continue to call me everyday.

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 2021-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
Sequim Asset Solutions is trying to collect on a debt that is not owed, and removed with the original Creditor XXXX 
I received written communication from XXXX that confirms it was erroneous sent information to SEQUIM and they are illegally trying to collect on a debt NOT OWED. 
It is still reporting on my credit report as a collection and needs to be removed Immediately. In addition they are reporting the account was opened in XX/XX/2020, which is also incorrect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Exeter Finance, LLC.
State: NC

Complaint narrative:
I, XXXX XXXX entered into a consumer credit transaction with XXXX XXXXExeter Finance on XX/XX/2017. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but XXXX XXXXExeter Finance took cash. The finance charge is suppose to include insurance, but XXXX XXXXExeter Finance made me purchase insurance separately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Hello I contacted COMENITYCB/XXXX  Account number XXXX by mail in XXXX and XXXX regarding this account being placed on my credit file. I requested documentation from the company with my original signature showing I opened this account. I have no knowledge of this account. The creditor failed to respond to my request & failed to delete the negative item from my report. I advised that under Section 611 ( 5 ) ( A ) of the FCRA that the creditor is required to promptly DELETE all information which can not be verified. 
The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) the creditor failed to comply with Federal Law. I am a litigious consumer and pursuing litigation in this matter to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Again Wells Fargo has failed to answer the one question I had for them. Why did you want me to send a copy of my signature to you to verify that the signature on the XXXX XXXX XXXX slip was mine?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 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: TX

Complaint narrative:
XXXX is reporting an inaccurate balance on my credit report and continues to report late payments. 
According to credit reports it shows The car was repossessed, mentioned it was resold, and Im addition it was indeed charged off. Yet XXXX is still continuing to report and state that I owe for late payments. I myself have not had any history with this account since XXXX and now it is XXXX and this company is still reporting I owe a higher balance, and themself are reporting erroneous information. 
I ask that This account be fully verified, every single payment amount and date received be confirmed, further proof of when and to whom the car was sold to and the amount the car was sold for.

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 2021-06-19 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: TX

Complaint narrative:
XXXX is reporting an inaccurate balance on my credit report and continues to report late payments. 
According to credit reports it shows The car was repossessed, mentioned it was resold, and Im addition it was indeed charged off. Yet XXXX is still continuing to report and state that I owe for late payments. I myself have not had any history with this account since XXXX and now it is XXXX and this company is still reporting I owe a higher balance, and themself are reporting erroneous information. 
I ask that This account be fully verified, every single payment amount and date received be confirmed, further proof of when and to whom the car was sold to and the amount the car was sold for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I have asked both XXXX, XXXX, and Comenity ( New York & Co ) to correct the information on my report. This account has been paid off and I was promised a DELETION of this tradeline. The account was closed, then I paid this account off on XX/XX/2020. This account is still showing as an open balance on my XXXX  report, and possibly all of my credit reports ( XXXX  and XXXX  XXXX! The refusal for these companies to correct their reports has COST ME ALOT in higher interest fees when I have tried to apply for credit! will these 3 companies be paying back the financial damages they have caused my credit???? Or will they be deleting the tradelines of XXXX/Comenity New York and Co? 
It is totally unfair that I should have to wait TEN MONTHS for the correction after I was promised it would only take 30 days!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Dividend Finance Inc.
State: CA

Complaint narrative:
I had chosen to use Dividend Finance because it was easy for my remodeling contractor to manage his risk and because it seemed to suit my needs. The contractor did tell me that the interest rate was 9.99 % APR. Upon approval of financing, I received absolutely nothing from Dividend Finance describing the terms of this loan. 

I completed a welcome call with Dividend on XXXX XXXX. This call was completely devoid of useful information. On XXXX XXXX I received two letters from Dividend, each dated XXXX XXXX. Neither letter referenced a full account number. On XXXX XXXX, I typed the website noted into the letter into my browser. I opened an on-line account for me ( XXXX XXXX ) and one for my wife ( XXXX XXXX ). It was at this time that I finally obtained the full account numbers for the two loans : XXXX for XXXX in the amount of {$9600.00} and XXXX for XXXX in the amount of {$44000.00}. Both of these amounts were the agreed prices of the work done on my house. 

Since I had recently closed on a HELOC, my plan was to pay the principal balances of both loans in full immediately. It was at that time I discovered that Dividend Finance charged me {$450.00} interest on account XXXX, and {$60.00} interest on account XXXX. Given the date of the letter, I must surmise that the loan period began on XXXX XXXX. That must interest does not accrue on those amounts at 9.99 % interest in 10 days. I attempted to contact Dividend that day, but no one answered the customer service line at XXXX. I also paid the principal balances in full on both accounts on XXXX XXXX, which Dividend has acknowledged. 

I contacted Dividend again during the morning of XXXX XXXX and demanded an accountability of the terms and forgiveness of the debt, The customer service agent stated that interest began accruing when they paid my contractor, but neglected to say when that was, except that it was " about a month ago ''. Perceiving that the customer service was not empowered to make a decision of any kind, I asked to speak to his supervisor. He put on an extended hold, and then told me that a manager would call me later to resolve this issue. No manager ever called.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 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: CA

Complaint narrative:
There are accounts on my credit report that were open fraudulently by a former partner who was abusive towards me. These accounts are reporting on my credit report with XXXX, XXXX, and Transunion and want them remove as I never consent for the accounts to be open. Having these accounts on my credit report cause me XXXX  and XXXX  me since I was a victim of domestic violence as well as identity theft. 

The accounts reporting on my credit report include : XXXX XXXX  XXXX account shows paid off XXXX XXXX XXXX account shows paid off XXXX  XXXX XXXX XXXX account shows paid off XXXX XXXX XXXX account shows paid off XXXX XXXX XXXX XXXX and XXXX account shows paid off XXXX XXXX  XXXX which was formerly own through XXXX XXXX - collections XXXX  XXXX XXXX - Balance of XXXX XXXX XXXX- Original debt XXXX was paid off XXXX XXXX  XXXX Amounts of XXXX 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 2021-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: OH

Complaint narrative:
Booking # XXXX : XXXX cancelled the outbound flight from XXXX and reissued outbound from XXXX, 60 KM/40 miles away and three hours earlier (!!! ), a significant and unreasonable itinerary change. 

Discover Card was tricked by XXXX inaccurate documents and dispute # XXXX was prematurely closed without action. Dispute was also deleted from customer online portal, precluding upload of supporting documents. 

Pursuant to " Enhancing Airline Passenger Protections '', 76 Fed. Reg. 23110-01, at 23129 ( Apr. 25, 2011 ) and 49 U.S.C. 41712, as well as European Union Regulation EC 261/2004, please kindly REFUND original airfare for {$680.00} to the original form of payment ending in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 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: AZ

Complaint narrative:
Transunion reported inaccurate information on my credit report provided to them by a collection agency. I disputed the collection through Transunion stating the information was inaccurate. They did not properly investigate and they left the false information on my credit report. 
If Transunion would have requested proof of the debt before placing it on my credit report, they would have seen it was false. Its my understanding that not only a creditor but the credit monitoring companies have a responsibility to report accurate information and investigate disputes by verifying that information. 
The collection report filed by XXXX XXXX XXXX is set for deletion, although if Transunion would have investigated the dispute properly this collection would never have appeared on my credit report in the first place. 
Transunion had a responsibility during my dispute to investigate for accuracy and failed to do so.

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 2021-06-19 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: SC

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the Theft of my Identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 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:
I have asked both Equifax, XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX  XXXX to correct the information on my report. This account has been paid off and I was promised a DELETION of this tradeline. The account was closed, then I paid this account off on XX/XX/2020. This account is still showing as an open balance on my Equifax report, and possibly all of my credit reports ( XXXX  and XXXX  )! The refusal for these companies to correct their reports has COST ME ALOT in higher interest fees when I have tried to apply for credit! will these 3 companies be paying back the financial damages they have caused my credit???? Or will they be deleting the tradelines of XXXX XXXX XXXX XXXX XXXX?

It is totally unfair that I should have to wait TEN MONTHS for the correction after I was promised it would only take 30 days!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 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:
I have asked both XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX  XXXX to correct the information on my report. This account has been paid off and I was promised a DELETION of this tradeline. The account was closed, then I paid this account off on XX/XX/2020. This account is still showing as an open balance on my XXXX  report, and possibly all of my credit reports XXXX XXXX  and Experian )! The refusal for these companies to correct their reports has COST ME ALOT in higher interest fees when I have tried to apply for credit! will these 3 companies be paying back the financial damages they have caused my credit???? Or will they be deleting the tradelines of XXXX XXXX XXXX XXXX XXXX?

It is totally unfair that I should have to wait TEN MONTHS for the correction after I was promised it would only take 30 days!!!

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