vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I received two letters from Kohl 's department store on XXXX XXXX 2020. The first is a bill saying that I owe {$120.00} asap with a total balance of {$530.00} and the second is a letter saying that I owe that amount. The letters look very official with and have my full name and address. When I call the phone numbers on the letter they ask for my full social security number, which is what tipped me to this being fraud. I called Kohls and they confirmed that an account was opened in my name. I am working with them to make sure to cancel the card and the amount owed, but want to report this activity! 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 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: IN

Complaint narrative:
On XX/XX/XXXX XXXX from The Equifax dispute department ( ID # XXXX ) informed me that although Equifax listed that the XXXX account was currently under investigation on my credit report, it in in fact was not. I have pulled my credit file every single day since XX/XX/XXXX ( when I filed the dispute ) through the Equifax credit product that I pay for and each time the account showed that it is still under investigation. I also spoke with a representative from Equifax in late XXXX who informed me that that dispute would be completed by XX/XX/XXXX. According to my records the Company did not respond and this account should have come off my credit report today. Additionally, each time I checked, I was prevented from disputing this item again because it showed that it was still under investigation. This is a recurring issue that I continue to have with Equifax. They have not investigated my complaints and the investigation notice on my credit file for this account has prevented me from being able to dispute it again. Additionally, I sent them copies of the letters that XXXX sent to the CFBP indicating that they do not have any account information matching my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 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: OH

Complaint narrative:
I keep getting notified when you people need to pay attention. It was XXXX  and Equifax that is not paying attention. 
you need to send this complaint to both credit bureaus. do not keep telling me that you can only send a complaint to only 1 company when its the all 3 credit bureau companies that is listing this inaccurate impact so called company that is trying to scam me out of {$180.00} info on my credit reports. If I need to I will file this report 3 separate times to give you unprofessional people three times the mass work to follow up on. I have no issue with doing this. just get this matter solved asap. I sick of all of  these scams. including yours! here is the damm number do your jobs PLEASE! 

Complaint number that you sent me to follow up on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am disputing the following item with Wells Fargo : Account information : The account above is being reported to the three major Credit Bureaus ( XXXX, XXXX  and XXXX  ). 

I already tried to fix this issue with the company. They have ignored me and I don't know what else to do. They are being unfair and negligent! I want a fair solution to this issue as soon as possible. I have been through emotional stress. 

I am a victim of fraud charges. My personal information was compromised and as a result fraudulent charges were included in my reports. I did not authorize ; neither did I benefit anything from these FRAUDULENT CHARGES that were included in my report. With this complaint, I want to demand this item to be removed from my records asap. In accordance with the Fair Credit Reporting Act, please stop all collection proceedings on this account related to fraud. 

Please send the attached documents that I already sent to Wells Fargo. 

Thank you.

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 2020-09-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: TN

Complaint narrative:
I am in the middle of a refinance transaction with NewRez. They are the current servicer of my XXXX loan. I chose them over other options but as soon as I stopped " shopping '' and signed the loan estimate with them, they became completely unresponsive. XXXX was great and I enjoyed working with him. I'm not sure what's going on. 

I've paid for an appraisal and am currently on a rate lock through XXXX. However, when i asked about floating down to a lower rate, my loan officer went ahead and moved me down and added a point to my loan scenario. Previously he's encouraged me to sign loan scenarios, stating that he'll be able to credit me for the cash it shows me bringing to closing at the end of the process. I took him at his word the first time but am starting to get uncomfortable with promises and am not getting answers. I followed up with him daily for 2 weeks since XX/XX/12 when I reached out to him with my concerns and questions. I have not heard back. I've also reached out to the loan processor and my loan officer 's boss. No responses there either. I then called customer service on Friday and again this morning and they sent out an " alert '' to everyone on my account and their supervisors. Still nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 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: LEXISNEXIS
State: CA

Complaint narrative:
Filed a complaint on XX/XX/20. Company replied XX/XX/20 stating they've completed investigation but could not authenticate my identity. They have my dispute and they have my consumer number. When I filed this complaint through CFPB, it asked for my date of birth to send to this company. Not sure how this company is unable to " authenticate '' my identity. This is just another one of their stall tactics that can be brought up in the courts and fined. I sent an email over to the company at the email address stated in the response letter they sent  me this morning on XX/XX/20 and provided all of the requested documents. I have still not received the telephone number nor the name of the person who allegedly verified this information. I have also been waiting for a return phone call that all of these representatives keep saying it will take 48 hours for a call back and i have not yet to speak with authoritative figure in this company and it's been a week since the request. They will not transfer you to a higher up entity. It is now 19 days past the allotted time and I still have no information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: CO

Complaint narrative:
Hello, I am contacting you in regards to my mortgage acct with Freedom mortgage. I have been struggling with this company now since XXXX I filed chapter XXXX Bankruptcy XX/XX/XXXX prior to that I was working with Community Development with the City of XXXX to get a loan modification during this period of time NEVER helped me they were always missing forms ( There is no decision yet they are still confirming that we sent everything that was needed for the underwriter. ) so I was at my final days and I filed bankruptcy this year in XXXX The mortgage company has filed a Motion for Relief from stay, I was able to obtain a stipulation and was required to make payments to catch up this was finalized and i am still having issues with payments not being applied correctly. Now my current statement show that I owe XXXX payments are being miss applied. 

I am on this loan with XXXX XXXX, who did not file bankruptcy and they refuse to speak with her in regards to the loan, my chapter XXXX attorney states she has nothing to do with the fees going forward after the bankruptcy was approved and the stipulation is in place. 

I need help, I am not allowed to speak to any one there due to the bankruptcy, what can i do from her this is my 4th round since XXXX I do not want to lose my home!

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 2020-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I have asked numerous time for this account to be verify as required by the FCRA COMPLIANCE TO BE MY RESPOSIBILITY /OR TO BE MY DEBT. I have challenge this company numerous time to provided me with prove as its the law in numerous occasion to this being my account with no success I have file disputed thru the credit Bureau Experian XXXX XXXX XXXX which the credits Bureau has fail to provide me as the consumer validation of this being my account as requested by the FCRA as well as XXXX XXXX/XXXX # XXXX XXXX I'M DEMANDING FOR THE XXXX XXXX/XXXX TO DELETED THIS ACCOUNT IMMEDIATELY AS THIS COMPANY HAS FAILED TO VERIFY ACCORDING TO THE FAIR CREDIT REPORTING ACT SECTION 609 ( A ) ( 1 ) ( A ) YOU ARE REQUIERED TO VERIFY -- THROUGH THE PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CONSUMER CONTRACT OR DELETED ACCOUNT.

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 2020-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian and XXXX continues to report false and erroneous debt on my credit report. My wife and I moved out of XXXX XXXX XXXX in XXXX, Ga XXXX on Saturday, XX/XX/2020. We were let out of our lease due to XXXX not keeping a safe environment for my family and I which a XXXX  complaint was filed. 

XXXX XXXX the Area Manager for XXXX sent my wife an email on Mon, XX/XX/2020 at XXXX XXXX, stating : " Thank you for discussing your issues with me this morning. I have attached the move out instructions for your move on Saturday, XX/XX/XXXX. In addition, I want to confirm that there will be no lease termination fees added to your move out. Also, within that time you will not have any of the construction team members coming to your door to administer any work. '' I have attached this full email in PDF format for confirmation of this email form XXXX. 

Experian and XXXX also reported a false address on my credit report : XXXX XXXX XXXX XXXX, GA XXXX I never lived at this address, this is a friends address that they had my car towed back to temporarily after the company wrongfully and unlawfully had towed to an impound. This is also in the email attached to this complaint. On my credit report Experian and XXXX is reporting this debt is a vehicle lease debt, how can I owe a property management company that I rented an apartment from a vehicle lease debt? which is erroneous and totally false. So they continue to violate my rights by reporting false information on my reports. 

I disputed this matter with Experian several times and they continue to violate my rights after providing proof to 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 2020-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: KY

Complaint narrative:
I am showing an account on my credit report from receivables performance for XXXX account. I have already taken care of this with XXXX and do not owe any money. It started out with a balance of {$960.00}, and I filed a dispute with transunion due to me not owing this collection balance. This came back with the balance reduced to {$380.00} and with the remarks that it was disputed and meets FCRA requirements. I have reached out to both this company and XXXX and keep getting the run around. XXXX is telling me that it should have been removed from my credit report and credit karma because they are showing no collections balance with them and showing this account had been taken care of. I need this deleted ASAP.

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 2020-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Goodman Frost, PLLC
State: MI

Complaint narrative:
I have been having problems with my credit union because they got a garnishment letter from an attorney. The credit union and the attorney both are trying to tell me the letter went through the courts. The court it supposedly was processed through is in a county that I havent lived in in over 5 years. I called the courthouse and they said the only case they have is from XXXX. I called back the attorney and he stated that the courts were looking at the wrong case and that the case was from XXXX. He said I owe them and better find a way to pay it. My credit union keeps telling I need to settle this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 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: GA

Complaint narrative:
This is my second time submitting a complain ... my XXXX XXXX XXXX   card are reporting that I Have a balance of XXXX which Ive used up my entire available credit and over ... This is inaccurate ... XXXX XXXX XXXX XXXX has admit this was a mistake ... they have also provided me with a letter stating so ... My credit score has dropped over 150 points over this issue ... please update my credit report to correct balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 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: FL

Complaint narrative:
XX/XX/XXXX. 

XXXX XXXX XXXX. XXXX # XXXX XXXX, XXXX XXXX & Experian XXXX. XXXX  XXXX XXXX, TX XXXX RE : BANKRUPTCY ACCOUNT NOT IDENTIFIED To Whom It May Concern : I received a copy of my credit report and the items listed below were included in my bankruptcy but are not identified as such on my credit report. Please see the attached document- these item numbers written next to the problem entries.

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must updated to reflect  discharge in bankruptcy. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 

If you have any questions or need additional information, please contact me at the address listed below. 

Thank you. 

Sincerely, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX, FL. XXXX SSN : 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 2020-09-22 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: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
On XX/XX/2020, I bought {$320.00} worth of clothes from XXXX. The package never arrived, though the shipping company, XXXX, marked them as delivered. I contacted XXXX, who said XXXX confirmed the package was delivered. XXXX refused to refund or reship the clothes. 

On XX/XX/2020 I opened a dispute with Chase for this charge. Shortly after, I got an email from XXXX saying the clothes would be reshipped. I contacted Chase to cancel the dispute. Later that night I saw that the shipping information in the XXXX email was from the initial shipment. When I called XXXX to confirm the new tracking information, they said it was a mistake and they would not be reshipping the clothes. So I called Chase again, I believe on XX/XX/XXXX, to reopen the dispute. 

Chase said they could not reopen the dispute immediately and would need to wait until the dispute was officially resolved in their system. Instead, they suggested that I contact Chase through their secure messaging system. On XX/XX/2020 ( exact date unknown because that message was archived from their messaging system ), I sent Chase a message through their secure messaging system to  reopen the dispute. I never got any communication about that dispute. 

After months of no response, I emailed Chase on XX/XX/2020 to reopen the dispute. On XX/XX/2020, they responded saying they disputed charge is valid because it was past the 90-day period to dispute the charge. 

I also emailed the shipping company, XXXX, in XX/XX/2020 to inquire about my package. They claim to take pictures to confirm delivery, so I asked to see proof of delivery. They redirected me to XXXX and did not respond to my inquiry. 

Finally, in XX/XX/2020 I contacted Chase again to follow up on the dispute I initiated in XX/XX/2020. They said that they can not request funds from XXXX because the 90-period has passed, that they can not initiate a dispute for the same reason as before ( missing package ), and that they can not take any further action. This information conflicts what I was told in XX/XX/2020 when Chase suggested that I reopen the dispute ; at that time, they didn't tell me that Chase would not open a dispute for the same reason as before. 

I am extremely frustrated that all three companies, Chase, XXXX, and XXXX, have refused to refund my money for a package that I never received. I have been given conflicting or incorrect information, and Chase refused my request to reopen the dispute I made in XX/XX/2020 without informing me. I feel like I've played by the rules, was taken advantage of, and am being penalized for inaction and misdirection by these three companies.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-22 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: FL

Complaint narrative:
XX/XX/XXXX. 

Trans Union XXXX. XXXX # XXXX XXXX, XXXX XXXX & XXXX   XXXX. XXXX  XXXX XXXX, TX XXXX RE : BANKRUPTCY ACCOUNT NOT IDENTIFIED To Whom It May Concern : I received a copy of my credit report and the items listed below were included in my bankruptcy but are not identified as such on my credit report. Please see the attached document- these item numbers written next to the problem entries.

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must updated to reflect discharge in bankruptcy. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 

If you have any questions or need additional information, please contact me at the address listed below. 

Thank you. 

Sincerely, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX, FL. XXXX XXXX : 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