vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. BANCORP
State: MA

Complaint narrative:
Im confused and stressed and 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 America Bar Association and Professional Liability Fund for code of ethics violations.

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 2021-04-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had a HELOC open with Bank of America. Monthly Automatic payments were setup and made on the XXXX of every month. Bank of America confirms receipt of those payments having been received and posted to the account, however BofA is reporting to the Credit Bureaus as me having multiple 30, 60, and 90 day delinquencies which is A ) Incorrect and B ) Preventing me from refinancing the mortgage on my primary residence. 

I have filed a complaint with BofA and they issues a decision to the case that they were correct in their reporting and closed the case. 

On top of that, I paid off in full and closed the account on XX/XX/XXXX and they are still showing delinquent payments of 0 days in XX/XX/XXXX and 0 days in XX/XX/XXXX as well as delinquencies in XX/XX/XXXX and XX/XX/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 2021-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I HAVE ACCOUNTS AND INQUIRIES ON MY CREDIT REPORT THAT I DO NOT RECOGNIZE, THEY ARE NOT MINE AND I WANT THEM REMOVED 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 2021-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I HAVE ACCOUNTS AND INQUIRIES ON MY CREDIT REPORT THAT I DO NOT RECOGNIZE, THEY ARE NOT MINE AND I WANT THEM REMOVED IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Barclays Bank is reporting an erroneous late on my credit file. I have a couple accounts with Barclays and make sure to make all my payments on time. I have perfect credit and have never made a late payment. I called Barclays to make a payment on my accounts as i normally do and went on with life. When i checked my credit later i noticed i had a late remark for the month of XX/XX/21. When i called in to see why or where the late remark came from they advised that i made a payment late. I told them i didnt and to check because i called in to make the payment. When they reviewed they said the representative who helped me applied the payment to the wrong account and refunded the late fee. When i asked about the late reporting on my credit file they said there was nothing they can do. That is the most ridiculous thing i have ever heard of. How can they admit the wrong doing and missed applied payment but not remove it from my credit file? This late remark dropped my credit scores drastically. I have been denied financing due to Barclays mistake and it very frustrating to hear that the bank that ruined you credit can not help fix it. I need this late removed ASAP, it shouldn't be there and it still is and is affecting my financing.

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 2021-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
Mr Cooper started an escrow account for our homeowners insurance without our asking. They wanted to hold up our refinance because they say we owe them money they paid on our homeowners insurance. We paid our mortgage & homeowners insurance on time for our entire mortgage, but out of nowhere they decided to add an escrow account which we never asked for. I spent over 2hrs on the phone with Mr Cooper on XXXX, from XXXX to past XXXX. I spoke with XXXX, XXXX, & XXXX XXXX ( XXXX ) among others, & got our title company on the phone to talk to them. I talked to XXXX, who said they received payment from my wife for our insurance, but had not received payment from Mr Cooper ; they could not reimburse us or make us whole for money they had not received. My conversation with Mr Cooper ended after 2hrs 55mins while waiting for a supervisor from the dept which paid the insurance without asking. Mr Cooper was never able to tell me the Name of who decided to pay the insurance without our asking ; there seemed to be no real accountability for this decision made inside their company. 
at the end of the call, we had to pay them 1,465.88 $ for the insurance and some interest they added to the account ; XXXX XXXX XXXX acknowledged that I was being charged on the basis of a mistake which Mr Cooper made by paying the insurance, not through any mistake of my own. If we hadn't paid, they would have held up the Refi, & we wouldn't have got the rate we had set up. I am now waiting for a supervisor from Mr Cooper to call me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: BAM Management US Holdings Inc.
State: FL

Complaint narrative:
Type of Investment : CRYPTO CURRENCY Exchange : Binance US Name : Account Email : Customer Support Ticket # with Binance US : XXXX My Telephone # : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I deposited $ XXXXusd from my us XXXX XXXX account via wire transfer to XXXX XXXX XXXX XXXX Bam CLEARING ) reference # XXXX ON XX/XX/2021. On XX/XX/2021 I used those same funds to purchase XXXXusd worth of VET tokens ( Vechain ) price slightly above XXXX usd. 

I have been locked out of my Binance US Account for 7 weeks with no status update on when the account will be unlocked. 

While unlocked the price of VET went as high as .25 cents and is currently at .16cents. 

I'm complaining because Binance US. as little to no customer support. I've filed a support ticket and have received little to no response with zero status update going on 7 weeks and counting. 

I received a response on twitter on XX/XX/XXXX, XXXX saying I would receive an email response soon. only to get an email that evening saying they are overwhelmed and will get to me soon ... .that has been a week ago. 

I have suffered mental and emotional stress. I have sent certified mail to Binance US Corporate Office in XXXX XXXX TWICE with all relevant required data to unlock my account : USPS TRACKING # XXXX USPS TRACKING # XXXX I've invested my life savings on BINANCE US exchange platform and have had zero access to my funds for more than 30 days with no status update or reasonable response. 

While i have seen my invested funds increase drastically from .04 cent to .25cent without having access to my funds or account with almost zero communication or status update from BINANCE US . 

CAN YOU PLEASE HELP ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian in my opinion a fraud of great magnitude or totally incapable of doing what they claim they do correctly OR AT ALL. In trying to address report XXXX -- -- XX/XX/2021 and calling the number THEY PROVIDED XXXX XXXX once again that number provides NO CAPABILITY AS THEY THEY CLAIM IT IS THERE FOR THE DISPUTE IN QUESTION IS STILL NOT CORRECT SINCE THEY REFUSE TO ALLOW MY PERSONAL COMMENTARY EVEN THOUGH THEY CLAIM A PERSON CAN ADD THEIR COMMENTARY. XXXX XXXX DID XXXXTHEY DON'T! AND YOU, THE XXXX AS WORTHLESS AND INCAPABLE AS THEY ARE. YOU WILL CLOSE THIS IMMEDIATELY AS YOU HAVE DONE THE HUNDRED OR MORE COMPLAINTS PREVIOUS. BY OPINION A BLIGHT AND SHAM ON THE AMERICAN PEOPLE. THE REPO WHILE UPSETTING NOT THE ISSUE. THE FACT THE LENDER CAN NOT PROVIDE THE TELEPHONE RECORDS AND DISMISSES THEM AND EXPERIAN DOES NOTHING ABOUT THAT IS AN EVEN GREATER FRAUD. THEY DO NOT ALLOW THE COMMENTARY TO THAT EFFECT! THE DISPUTE PROCESS AS THE CREDIT MONITORING AND FICA SCORES ALL A SHAM. IF YOUR READING THIS AND TOLERATE THAT YOU ARE EITHER COMPLACENT OR LIKE THEM.

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 2021-04-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/XXXX of this year I was online shopping. I came upon a website offering what I had googled. The item I was looking for was a cuckoo clock. I wanted it. I saw the XXXX link and felt a sense of security. I concluded the transaction through XXXX in the amount of {$99.00}. When my XXXX receipt came in an email I saw the recipients name and was immediately concerned. I didnt believe that a XXXX XXXX  clock was coming from what appeared to be an XXXX entity. I let a few days go by and contacted the website via drop down box inquiring as to my order. Usually an email will come to me in a day or two as to the shipping situation/status. But nothing had been received. When the website didnt answer my query in timely manner, I contacted XXXX alerting them to a potential problem. It reached the were reviewing your case at XXXX where this status remained for several days. When I tried to chat with someone at XXXX I couldnt get anything beyond AI. I left a terse message in the chat box asking for compliance and received no answer. It was then I moved on to the actual source of the funds paid out - Capital One. Ultimately, Capital One has decided to abandon me as well even though the multiple documents I sent them through their secure link clearly show fraud. These documents will be uploaded for your review. There are more documents and theyve been submitted to Capital One but Ive included what I feel are the most important. Ive answered everything that Capital One has asked of me. Ive even included a sworn statement. 

It all comes down the unique tracking number. It can not be both a pair of socks valued at {$10.00} and a cuckoo clock valued at {$99.00} And when I tried to impress this upon Capital One - that you couldnt get a cuckoo clock into the small padded envelope, it fell on deaf ears. And when I asked what my ( now XXXX opponent had offered as evidence or sworn testimony, I received the shipping log of the unique alphanumeric tracking number only.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Im confused and stressed and 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? XXXX. 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 2021-04-26 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: CA

Complaint narrative:
I am a victim of identity theft and did not make the charges. I ask that the items be blocked to correct my credit report. This is the second time within a year i've been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I HAVE ACCOUNTS AND INQUIRIES ON MY CREDIT REPORT THAT I DO NOT RECOGNIZE, THEY ARE NOT MINE AND I WANT THEM REMOVED 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 non-monetary relief
Consumer complaint received 2021-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Im confused and stressed and 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? XXXX. What is your authorization of law for your collection of this alleged debt? XXXX. Please evidence your authorization to do business or operate in this state. XXXX. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. XXXX. 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 non-monetary relief
Consumer complaint received 2021-04-26 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: MA

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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
Unauthorized withdrawal from XXXX  XXXX  Checking account by Mr Cooper. XX/XX/2021. They have fixed this issue. 
This error occurred to many individuals. Brought my checking account below XXXX. 
Again, not authorized!!!!!! No explanation or guarantee this will not happen again.

Company response to consumer: Closed with explanation