vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-02 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
After months and several attempts of trying to get the credit bureau to verify the information being reported on my credit profile, they have not cooperated. I've reached out to them several times to try and resolve this matter but they continue to blatantly break the laws set in place to protect the consumer. They refuse to supply me with a report detailing their methods and procedures used during their investigation. They have not produced any evidence that the information is accurate what so ever, yet they continue to violate my rights and report inaccurate information that negatively affects me.

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 2018-10-02 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: NC

Complaint narrative:
I NOTICED THAT XXXX XXXX  PUT A CHARGE OFF ACCOUNT ON MY CREDIT DUE TO A BALANCE THAT I DONT OWE. I CONTACTED THE XXXX XXXX AND ASK THEM WHY THEY WOULD REPORT A COLLECTION IF IVE NEVER HAD A CAR WITH THEM BEFORE THEY QUICKLY APOLOGIZED AFTER I WAS ABLE TO SHOW MY POLICE REPORT TO PROVE I WAS A VICTIM OF IDENTITY THEFT. THE XXXX XXXX SAID THEY DIDNT CARE THAT I DIDNT HAVE A CAR WITH THEM & THAT SOMEONE ELSE DONE IT IN MY NAME AND THAT I STILL HAD TO PAY. THAT IS SIMPLY AGAINST THE LAW THIS ACCOUNT WILL BE REMOVED BECAUSE NEVER HAD AUTO LOAN. I ALSO WANT ALL OF MY POINTS BACK FROM THE DROP I RECEIVED DUE TO THIS ERROR. AND I HAVE A POLICE REPORT TO PROVED MY IDENTITY WAS STOLEN A WHOLE YEAR BEFORE THE LOAN WAS GENERATED. Equifax has the police report and refused to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Problem with J.P. Morgan Chase. 
Our business, the XXXX XXXX XXXX XXXX XXXX, has held accounts and credit cards in good standing with J.P. Morgan Chase since XXXX and until now they have acted efficiently and professionally. 

However, on XX/XX/XXXX, our CPA asked when we would mail payment for his tax preparation. We asked if he had received XXXX # XXXX, dated and mailed on XX/XX/XXXX. When he replied that it hadnt arrived we immediately contacted Chase and placed a stop payment on the check and mailed our CPA a replacement that he received and deposited. 

Out of curiosity I used Chases phone access to see the status on XXXX # XXXX and learned that the check was cashed by one XXXX XXXX who is unknown to us and the original sum of {$2300.00} had been forged to {$5100.00}, which he received. 

Contacting Chase on XX/XX/XXXX, we reached their fraud departments executive headquarters at XXXX XXXX ext. XXXX where XXXX was assigned to our case and sent an affidavit for the payee and us to sign, mentioning a check image would be enclosed. By Friday no affidavit had arrived and he said it was mailed and did arrive the following day. He created a case number : XXXX and said it would require them to contact the defrauders bank to discuss the transaction and it could take weeks or months, unlike their immediate response to return stolen funds when credit card theft occurs. 

We called on XX/XX/XXXX to ask about the missing check image and reached XXXX voice mail stating that he out until XX/XX/XXXX and XXXX, a colleague, stated that our case had been closed without explaining why and said that they can not provide an image of the forged check. It should appear on our next monthly statement that hasnt arrived yet but Chases evading to make good on a stop-payment check that was forged to more than the double requires investigation!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-02 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: MI

Complaint narrative:
On XXXX, XXXX I sent to Equifax certified letters asking them nicely to remove from my credit report the inquiries that I had not authorized. They are refusing to remove them from my credit report. I am asking once again that they remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
For years I have been trying t

o find out 2 pieces of information from Navient : 1 ) What time of day is interest computed for each of my 10 loans? 2 ) What time of day is that interest added to each of my 10 loans? Navient refuses to disclose the answers to these two simple questions. I request an open response to this request on this CFPB forum.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC.
State: SC

Complaint narrative:
Wakefield & Associates is reporting 3 collection accounts that I'm not liable for. The original creditor states that the contract was cancelled. I sent a formal dispute along with my identity theft report to them and the credit bureaus but they still have not updated my report accordingly. I have done everything to show documentation of the facts which is that these collections are inaccurately being reported by this collection firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK
State: FL

Complaint narrative:
Our home in XXXX Florida sustained substantial damage during Hurricane Irma in XXXX. We settled with our insurance carrier and a joint check was issued to us and the mortgage company, XXXX Mortgage / Midfirst Bank in the amount of {$51000.00}. 

The settlement check was XXXX XXXX to XXXX Mortgage XX/XX/XXXX and the money was placed in an escrow account. In the following 6 months, XXXX has released less than {$6900.00} of the insurance proceeds, despite repeated requests for payment to contractors and reimbursement for out of pocket expenses. 

The last six phones calls have resulted in requests for information that was previously sent on multiple ocassions, or promises of payment that never came. 

To date we are out of pocket over {$5800.00} and will most likely have to pay at least another {$7100.00} to avoid having a mechanics XXXX put on our property, which would impact our personal credit.

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 2018-10-02 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: Dealer Funding, LLC
State: NC

Complaint narrative:
I NOTICED THAT XXXX XXXX PUT A CHARGE OFF ACCOUNT ON MY CREDIT DUE TO A BALANCE THAT I DONT OWE. I CONTACTED THE XXXX XXXX  AND ASK THEM WHY THEY WOULD REPORT A COLLECTION IF IVE NEVER HAD A CAR WITH THEM BEFORE THEY QUICKLY APOLOGIZED AFTER I WAS ABLE TO SHOW MY POLICE REPORT TO PROVE I WAS A VICTIM OF IDENTITY THEFT. THE XXXX XXXX SAID THEY DIDNT CARE THAT I DIDNT HAVE A CAR WITH THEM & THAT SOMEONE ELSE DONE IT IN MY NAME AND THAT I STILL HAD TO PAY. THAT IS SIMPLY AGAINST THE LAW THIS ACCOUNT WILL BE REMOVED BECAUSE NEVER HAD AUTO LOAN. I ALSO WANT ALL OF MY POINTS BACK FROM THE DROP I RECEIVED DUE TO THIS ERROR. AND I HAVE A POLICE REPORT TO PROVED MY IDENTITY WAS STOLEN A WHOLE YEAR BEFORE THE LOAN WAS GENERATED. XXXX  has the police report and refused to remove it.

Company response to consumer: Untimely response
Consumer complaint received 2018-10-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ECMC GROUP, INC.
State: FL

Complaint narrative:
XXXX XXXX of XXXX, CA collected - through garnishment- an old student loan account for ECMC XXXX 

1 ) This corporation allegedly sent a " release of garnishment '' for the collections to stop, but my company never received it from them, however, did receive one from ECMC once I contacted ECMC about the matter. 
XXXX XXXX claimed to have sent it out on XX/XX/XXXX and my company/employer NEVER received this alleged copy of THEIR release of garnishment. Furthermore, they refused to provide me with a copy of the alleged release that they sent. My company/employer only received it because I followed up with ECMC. 


2 ) Account Technologies over collected on this debt, because the release of garnishment was never sent/received by my employer as they stated they did. For a month I have been in communication with ECMC and they stated that there was not an overpayment showing and that I should follow up with my employer. My employer - payroll department, representative XXXX XXXX confirmed that XXXX   XXXX cashed the check that was sent to them, the check was cashed on XX/XX/XXXX. XXXX  XXXX confirmed to the payroll representative that they received funds in the same check sent to them for funds for other employees of my company, but deny having record of getting the portion that represented my overpayment. THESE FUNDS WERE SENT to XXXX XXXX  ON THE SAME CHECK, not separate checks. ( Amount of my overpayment is {$380.00} ) 3 )  XXXX XXXX has never tried to help me resolve this overpayment or getting a copy of the alleged release of garnishment - that was never received FROM THEM by my employer. I have only gotten false information and the run around. 

I would like my funds back IMMEDIATELY, because it has been proven that they have them. I am not interested in more excuses and false information. They try to defer to ECMC, but the monies were sent to them directly and they have never recorded it so that ECMC can see this additional overpayment. At this point it is a violation of FDCPA ( Fair Debt Collection Practices Act ). My employer has confirmed that they DO have the funds. Period. It needs to be returned.

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 2018-10-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
We are affected by Hurricane Florence but on my zales credit card ending XXXX on XX/XX/XXXX I am charged ( {$800.00} ) and XX/XX/XXXX ( {$74.00} ) .We are already broken with no money and now required to pay finance charges of over $ XXXX.Please consider our disaster and refund {$870.00} to zales credit card account.please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I SENT CERTIFIED LETTERS TO DISPUTE INCORRECT INFORMATION THAT IS BEING REPORTED ON MY CREDIT REPORTS TO XXXX XXXX XXXX XXXX XXXX XXXX  THAT WAS SIGNED FOR ON XX/XX/2018, XX/XX/2018 & XX/XX/2018. THEY DID NOT RESPOND NOR MARK THE ITEM AS DISPUTED ON MY CREDIT REPORT FROM THE FIRST INTIAL REQUEST. THERFORE I FOLLOWED UP WITH TWO MORE CERTIFIED LETTERS REQUESTING THAT THEY DELETE THE INFORMATION SINCE THEY DID NOT COMPLY WITH THE LAW. ON XX/XX/2018 ; XXXX   SENT ME A CERTIFIED LETTER BACK CONTAINING THE ORIGINAL DOCUMENTS/INFORMATION I SENT THEM WITH A CIRCLE OF THE ACCOUNT NUMBER AND ADDED SOME MORE NUMBERS TO MY ORIGINAL LETTER. BY LAW ITS HAS TO BE MARKED ON THE CREDIT REPORTS WITHIN 30 CALANDERS DAYS. THEY DID NOT COMPLY WITH THE LAW NOR RESPOND TO MY FIRST REQUEST. THE NEGATIVE INFORMATION IS STILL BEING REPORTED AS VERIFIED. I HAVE SENT A TOTAL OF THREE CERTIFIED LETTERS TO THIS COMPANY. THEY ACTUALLY UPDATED THE ACCOUNT AS A CHARGE OFF AND INCREASED THE BALANCE. I ALSO SENT CERTIFIED LETTERS TO BOTH CB ON XX/XX/2018 AFTER NO RESPOSE TO MY FIRST REQUEST FROM THE COMPANY DIRECTLY AND THEY HAVE NOT RESPONDED WITHIN 30 DAYS OF THE NOTICE EITHER. XXXX SENT A LETTER SAYING THEY RECEIVED THE DISPUTE ON XX/XX/2018 ; 27 DAYS LATER AFTER THEY SIGNED FOR THE NOTICE BUT HAVE YET TO DO ANYTHING ABOUT THE UNVERIFIED ACCOUNTS I SENT THEM AND EQUIFAX HAS YET TO RESPOND. THEY ALSO HAVE NOT COMPLIED WITH THE LAW WITHIN A TIMELY MATTER. NO ONE IS FOLLOWING THE LAW HERE AND REPORTING INACCURATE AND UNVERIFIED INFORMATION ON CREDIT REPORTS WITHOUT PROOF. ON TODAY, XX/XX/2018, ( MR. ****** ) RECEIVED A LETTER FROM XXXX  STATING THAT THEY " NOW '' HAVE DISPUTED THE INFORMATION TO THE CB. IF THEY WERE REPORTING ACCURATE INFORMATION LIKE I STATED BEFORE THEY WOULD KNOW THAT I AM OF THE FEMALE GENDER. THE ACCOUNTS STILL REFLECT THE SAME INFORMATION JUST AN INCREASE IN THE BALANCE OF A CLOSED ACCOUNT. I CLEARLY STATED IN THE NOTICES TO ALL THREE COMPANIES INVOLVED OF THE 30 DAYS AND WHAT I WANTED TO HAPPEN AS A RESULT. I STILL WAS IGNORED.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Cordoza & Wexler Recovery Services
State: VA

Complaint narrative:
Received a phone call with a recording that there was a legal case against me, which is completely false to begin with. The usual stuff stating they needed to get my signature on legal documents at work or home, etc. Pressed 1 and was connected XXXX XXXX ( I believe that was his name ) from Cordoza and Wexler Recovery Systems. This debt was discharged in a XXXX XXXX Bankruptcy XXXX. I must have received 20 calls on this, which I have mostly ignored except to tell them it was in Bankruptcy, they are trying to collect for XXXX  XXXX XXXX. Even tried telling me that because it was through a tribe it wasn't dischargeable even though tribes only have the same rights as a state generally. Seems to be a pattern with Payday Lenders making these false claims and not once have I ever actually been served legal documents from these folks like they keep threatening. By the way a simple internet search on the company will yield several complaints, probably enough to to start an investigation. I'm surprised I actually got a name this time. The phone Number I was actually called from is ( 540 ) 385-0601 ( most likely spoofed ). From the XXXX their contact information is below : Cordoxa and Wexler Recovery SystemXXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX http : //www.cordozawexlerrecoveryservices.com/ ( XXXX ) XXXX Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have disputed this item twice this year, experian continues to update the dispute as accurate not making any changes. I tried to contact the creditor at the the phone number and address listed on my credit report as contact information for XXXX XXXX. The address in in accurate, the phone number when answered is XXXX XXXX -- told by XXXX XXXX that they purchased XXXX XXXX and that they have no information in their system in reference to me, that the account was paid and never late when no longer in their system. 
I pay for credit monitoring thru experian and have called experian and called experian and they continue to ignore this situation. Experian is not complying with federal law, they have no proof of the account only a statement, they do not provide me with accurate information to contact the creditor, etc. 
Credit Report # XXXX Account NameXXXX  XXXX XXXX # XXXX Account NumberXXX Account TypeNote Loan ResponsibilityIndividual Date OpenedXXXX StatusClosed. {$450.00} written off. 
Status UpdatedXXXX Balance {$0.00} Balance Updated XX/XX/XXXX Recent Payment AmounXXXX $ 0 Monthly Payment {$65.00} Original Balance {$450.00} Highest Balance {$0.00} Terms 7 Months Payment History show tooltip button Tap a month for more informationShow payment legend XXXX XXXX CO XXXX CO XXXX CLS APR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX XXXX XXXX XXXX OK APR OK XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO Historical Info First XXXX Original CreditorXXXX XXXX   XXXX Creditor Info Phone Number ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Comment show tooltip button Purchased by another lender. 

Reinvestigation Information This item remained unchanged from our processing of your dispute in 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 2018-10-02 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC
State: IL

Complaint narrative:
I was out of town when my payment was due and received phone call when I returned. XXXX of XXXX is spoofing a XXXX XXXX XXXX phone number. I had declined that number several times as I have no business with XXXX  XXXX XXXX. The XXXX agent never left a voicemail. But becoming frustrated with calls from " XXXX XXXX XXXX '' I answered and agent introduced herself as a XXXX Agent. 

I don't agree with this practice at all and believe it to be fraudulent. I would have answered the first time if the caller id was identified correctly!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Ive noted 2 credit card accounts by Capital One which I have addressed as fraud. I submitted the identity thief report and formal dispute. Capital One sold an account which was opened as a result of identity theft to XXXX XXXX and there's an open credit card that was stolen from my purse several months ago in which fraudulent charges was applied. Surprisingly they have refused to close these accounts and report as card lost or stolen and the other account as fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ditech Financial LLC
State: AZ

Complaint narrative:
This debt was charged off by original debtor after insurance company paid them off after a fire at said residence. The debtor had insurance on home which they took out. This debt was charged off by original debtor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Nationwide Debt Reduction Services, LLC
State: AZ

Complaint narrative:
I received this notice from Nationwide Debt Reduction Services LLC about Credit Card Settement with a 10 day response to the notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I have received numerous phone calls and now a debt collection notice requesting that the cable provider has not been able to obtain the cable equipment in my former home. I have been told that if the equipment is not returned I will be billed {$520.00} and if not paid, my credit will be impacted. This was told to me yesterday ( XX/XX/XXXX) by XXXX at IC System. 

I was divorced effective XX/XX/2017. In the divorce, my husband, XXXX XXXX was awarded the items in our home including the cable equipment. 

In the Decree, I was given no access to the home and my ex husband and I do not speak. I have written to him and asked him to return the equipment but I can not make him do it. He will not cooperate. 


I communicated this to XXXX in XX/XX/2017 with a cc to my lawyer and a copy of my Decree. See letter attached/uploaded. 

Debt collectors tell me they are going to report this to the credit companies and that will damage my credit.

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 2018-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
1. Shellpoint has failed to correct my loan to comply with a Federal Bankruptcy reaffirmation agreement. 
2. Shellpoint has given false testimony in XXXX XXXX XXXX XXXX Court that I have never paid any payments on the loan since 2011. 
3. Shellpoint has not corrected the escrow account 4. Shellpoint is trying to collect discharged debt calling it a BK fee in the courts and on a payoff statements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XX/XX/2018 received letter from Citibank with credit card also separate envelope with pin number Letter states I requested Citibank to open an account. I DID NOT. Immediately called, took over XXXX minutes to reach a live person. Told to call back on Monday, on Monday was referred to identity theft agency, they referred me here

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