vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP
State: MA

Complaint narrative:
Hi and how are you? Listen, I've disputed this account before with Elan FInancial services and they removed it base on the errors and  violations and that i don't owed the debt. How did you get this? Because, 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 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 2020-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I send a letter to discover ( the credit card company ) that they are reporting inaccurate information such ass balance updated ( inaccurate ), status updated, balance and payment history all inaccurate. They ( discover ) stated that this was verified and it still reporting inaccurate. They are still reporting inaccurate information and I want this deleted also I want my {$5000.00} total from ( discover ) for violating my rights. Is {$1000.00} per violation and there is 5 of them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: VA

Complaint narrative:
I have XXXX XXXX Coins with a current value of {$4700.00} that is stored in a vault on Coinbase and I attempted to withdraw the balance to my wallet on XX/XX/XXXX. When the request was made the company sent emails to my primary and secondary email accounts to approve the withdrawal. I clicked on the link in my primary email account and it worked fine ; however, when I clicked on the link in my secondary email it brought me to the Coinbase website, but did not approve the withdrawal. It states that " You have already performed this function '' and yet the action remains unapproved. I attempted this several times over the past 3 days with the same results. I filed the Coinbase automated customer service form and received automated responses of no real assistance. I have attempted to reach them over the past three days without a response. The company does not accept phone calls except for compromised accounts and you can not email them directly. This is a bad link and should be any easy fix. This is a problem mentioned by many people on several review sites like XXXX dating back to XXXX, so they are aware of it and simply don't fix it. This is an exchange for trading and if it is not timely, you lose money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I called Citi Bank about a fraudulent account opened in my name and asked it to be removed completely from my credit report. They did not remove it. They placed a XXXX  balance on the account and wrote a note saying the account was closed by my request. I did not ask them to close out the account. I asked them to REMOVE the false information that was wrongfully placed on my credit score. I stated to them this was a fraud.

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 2020-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rocket Mortgage, LLC
State: NJ

Complaint narrative:
On XX/XX/XXXX XXXX from Quicken Loans called my husband XXXX to offer a refinance offer with a better rate that could potentially save him money. XXXX explained that he was not able to move forward with any part of the process until he was able to speak to his wife, XXXX. XXXX set up a phone call so all parties could discuss the details of this offer. This call did not occur because I, the wife, did not agree with refinancing at this time given that we had recently refinanced with Quicken Loans in XX/XX/XXXX. On Saturday XX/XX/XXXX I ( XXXX ) received a notification that I had received a hard inquiry on my credit report. After inquiring about this, it was identified that this hard pull was completed by XXXX XXXX XXXX XXXX for Quicken Loans. XXXX and I called XXXX to question why he had run my ( XXXX ) credit without my verbal or written consent. He was not able to speak due to technical difficulties at the time but said he would have his supervisor call us soon. The supervisor did call eventually but we had already reached out to XXXX, associate resolution advocate for Quicken Loans to explain. XXXX set out to investigate. She called back on Wednesday to tell us that the hard inquiry could not be reversed because in the initial conversation, XXXX was asked to give his dob in order to pull the report, which XXXX did not comprehend to be our credit reports. So XXXX did provide his dob but clearly stated that he is not moving forward with this process until his wife XXXX is informed. XXXX asked XXXX to speak to management in the hopes to appeal this decision. A senior management advocate called back and basically explained that nothing can be done. XXXX referenced the Fair Credit Reporting Act which should not allow access to a consumer 's credit information unless the individual him or herself gives written permission, or unless this is a court ordered issue. Additionally, a permissible purpose for making a consumer report for a spouse that is not involved in the conversation, should prohibit the creditor from requesting information on that spouse. I also asked if a copy of that recorded conversation could be shared or if she could provide me with something in writing that states that the hard inquiry could not be reversed and why, but the answer to both those questions was no, they are not able to provide such requests. I ask that the hard inquiry be reversed. My husband did not understand that by giving his dob verbally by phone, my credit report would be pulled and negatively affected. This is not only poor practice, this is to me a violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Contacted all three major credit bureaus today XX/XX/XXXX, XXXX XXXX XXXX reported the delinquency in XXXX of XXXX, according to Fair debt credit reporting that negative information should be removed 7 years from first report date, I have requested all three to remove and all they do is update. Moreover experian has a XXXX report date ( totally incorrect, fraudulently ) when the other two credit bureaus have XX/XX/XXXX first report date. It has been more than 7 years since first report date, and also moved to a collection agency as well, XXXX XXXX XXXX should legally be removed ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 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: EQUIFAX, INC.
State: MS

Complaint narrative:
Equifax continue to report inaccurate information on my credit file. Remove these items from my credit file. 
Collections : XXXX XXXX XXXX XXXX please remove. never signed a contract or made any agreement. 
XXXX, XXXX, XXXX XXXX XXXX XXXX remove. never signed a contract or made any agreement. 
XXXX XXXX XXXX XXXX remove. never signed a contract or made any agreement. 
XXXX XXXX XXXX XXXX remove. never signed a contract or made any agreement. 
Inaccurate acoounts : XXXX XXXX XXXX XXXX XXXX please remove late payments. never was late XXXX/XXXX XXXX please remove late payment. never was late XXXX XXXX XXXX pay for delete account. please remove XXXX XXXX XXXX XXXX please remove late payments. never was late

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 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: MS

Complaint narrative:
A bankruptcy continues to report on my credit file. Please remove. In my last dispute you said that you my bankruptcy was verified. what was your method of verification? The court said they do not release information the credit reporting agencies. please remove this bankruptcy because it was verified and the time is past due.

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 2020-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Funding, XXXX ARE CALLING ME CONSTANTLY, VERY UNPROFESSIONAL AND DEMANDING WITH ABUSSIVE MANNERS THAT I PAY AND OLD DEBT. THEY MAKE THREATS TO ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-20 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My Name Is XXXX XXXX Today Date Is XX/XX/2020 ( I'm The Only One Writing This Complaint!!! No Help By A Attorney Or Credit Repair Agent ) ) I've Been Having Trouble With These Inaccurate, False And Fraudulent Information That Don't Belong To Me I've Contacted My Local Police And Made A FTC Report Number : XXXX Ive Also Contacted Experian and XXXX XXXX XXXX XXXX About The Fraudulent I Spoke To A Lady By The Name Of XXXX And She Told Me That My Account Didn't Match What They Have That This Account Might Be A Mix Up Credit File Or Fraud And She Was Going To Update And Remove The Account, I Waited 60 days After That I Contacted Experian Updating Them With The Information But Experian Failed To Remove The Account I've Disputed This Same Account 5Plus Times Experian Updated My Account Saying Its Verified When I Call To Get A Explanation Experian Told Me That Its A Computer Generated I Was Very Disappointed XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX ( 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft Please block this information from 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 2020-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Dear BoA ; Hoping that you're doing well during this pandemic ... .. Listen, I'm not sure why you continue to report inaccurate, incomplete, and unverifiable information on my credit report. Also, i was promised that once the payment cleared you would contact the 3 major credit bureaus and remove it from my credit report entirely. You continue to mention that you verified the data on this account, but I've attached the proof that i paid off the account and i'm not LIABLE for this account and want this deleted from my credit as promised. There is no way you verified because it still reports incomplete, inconsistent, and unverifiable information. Please delete!!!

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 2020-08-20 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: FL

Complaint narrative:
The company is reporting my auto loan late 30 days also 60 days late when the account is not late and My account was put on deferment XX/XX/XXXX XX/XX/XXXX natural disaster it was granted so I was informed that there would not be a late fee and they would not put my account to late status. But its still reporting late on my credit. Also XX/XX/XXXX & XX/XX/XXXX my account was granted and approved for Covid 19 assistance and put the amount due to the back of the auto loan. My account is in good standings but they keep reporting negative as its impacting my credit score. Please I just want them to update correctly as I was told they would but never done. XXXX is reporting XX/XX/XXXX late, XXXX & XX/XX/XXXX late. XXXX is reporting the same as XXXX, and XXXX is reporting XXXX & XX/XX/XXXX late XX/XX/XXXX late & XX/XX/XXXX late.

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 2020-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
My Name Is XXXX XXXX Today Date Is XX/XX/XXXX I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft also i was a victim of the XXXX XXXX data breach several accounts on my credit report are not mine listed WELLS FARGO CARD SERVICE # XXXX I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

I also have enclosed a copy of the FTC 's Notice to Furnishers, which  explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible.

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 2020-08-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
My Synchrony Bank Amazon card, they offer promotional no interest on purchases, if you make other non promotional purchases in the month you are to pay that total balance off each month to avoid interest charges. I call each month and have went on their account page to allocate my payment each month to charges that would accrue interest first. For example my min payment is {$33.00} if I made a non promotional purchase of XXXX I would pay {$150.00} towards my account to avoid interest and to put money to my promotional balances to get ahead each month. Instead of that happening they charge me interest on a ghost balance that may have been from 3 months ago that was already paid off since I allocated the monies towards, then I have also not made a non-promotional purchase in two months. The statement does not say when the purchases are from it just states " regular purchases '' and the number charges each month even if there is no activity. Last month there were no purchases and a I made a {$250.00} payment there was a regular balance of {$140.00} then this month after the {$250.00} payment last month there is still showing a {$74.00} balance but according to the representative last month who again did refund the interest charge of {$3.00} and admitted that it was not correct, the problem has not been resolved. I called again today and they refunded the interest charge again. This is leading me to believe that they are doing this to see who will fall for this scam and I am not going to accept this. unfortunately people need things and when you have an opportunity to have no interest for 6 months on something big it makes a big deal when living paycheck to paycheck.

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 2020-08-20 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Conduent Incorporated
State: FL

Complaint narrative:
i am receiving benefits from Florida Dept of Reemployment (  unemployment ). My benefits were coming in a check and then several weeks I did not receive a check. Upon checking their web site I saw that the missing weeks were put on a Way2Go Master Card. I did not request this. I did not EVER receive a card from Way2Go. 
It is impossible to get through the automated response system without your card number. 

There are two numbers you can call for the Way2Go Master card. Both numbers XXXX or XXXX require you to have the card number and pin. If you do not have the number the automated response tells you to press the # sign. When you do that it tells you to enter your social security number, date of birth and pin number. Without the pin number the automated response system says thank you and hangs up. There seems to be no way to bypass the automated system and speak to a human. Since I never received a card I do not have a card number nor pin. 

Why part of my benefits were sent to this card I have no idea as I had been receiving paper checks in between weeks that were issued to the mysterious card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 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: GA

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. Initial dispute was sent on XX/XX/2020 & the 30 Day demand to comply was sent on XX/XX/2020.

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