vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Real Time Group, Inc.
State: FL

Complaint narrative:
Dear Sir or Madam, my issue concerns a collection which is fraudulent and which despite being disputed by myself with collection agency operators and through communication with the credit bureaus and with the original company, persists to this day. 

The account was with XXXX which is owned by XXXX XXXX. I was issued a store card in XXXX The amount eventually was approx XXXX dollars. I used the card 2 times to purchase sundries and then approx XXXX worth of lamps which did not work after a week and which I took back for a credit. 

At first XXXX billed me for a late payment when I called they reversed this stating that it was their error. When I began to get bills for the credited items I got upset and called XXXX  again and had the matter cleared up again and then asked the agent to close the card as it was giving me more problems than having it was worth. The reluctant agent eventually told me the card was closed ( with no balance ) and that all was well. 

Approx. 6 months later I began to get collection letters for the XXXX  which I disputed, explaining the card was closed. Nothing was due on it and that XXXX/XXXX XXXX should be contacted. 

Today, Real time Resolutions sent me a letter stating that the balance owed is XXXX For what? Apparently for the entire balance of the card which I did not use, and some fees which they feel they have the right to tack on. I am writing this agency in the hopes that it will provide the oversight which is sorely needed by this so called company to erase this fraudulent debt once and for all. 
Their debt is false, the card was closed with a full balance on it and once that happens nothing can be purchased on it ever again. I will include the account number and all other pertinent information here as this is getting to the point where if I need to hire an attorney I will. 


Real Time Resolutions RTR File Number : XXXX Account Ending In : XXXX Balance : XXXX  Original Creditor XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
all three creditors where not opened by myself XXXX in the amount of XXXX, XXXX XXXX XXXX XXXX i have lost very important information in 2010 my social security card my state id and my birth certificate all which can be used against me and im continuing to see accounts i havent personally open this has also been reported to transunion i will attach a police report for my lost or stolen identifications

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 2021-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: NV

Complaint narrative:
On XX/XX/XXXX a signed and notarized modification agreement was sent to Shellpoint Mortgage Servicing. I confirmed that the received these documents XX/XX/XXXX via telephone. The modification was supposed to have gone into effect with my XX/XX/XXXX payment, but as of XX/XX/XXXX they have not completed any of the system changes for the modification. Per the modification agreement I began making my modified payment XX/XX/XXXX. I am still receiving past due notices, this is effecting my credit, and my loan is still showing due for the XX/XX/XXXX payment when it should be due for the XX/XX/XXXX payment. 

I have attempted to contact Shellpoint Servicing on several occasions, but the " person who is handling my file '' is never available. I have requested this to be escalated to management on 3 separate occasions, and have never gotten even a call back regarding it. 

I am attaching a copy of the unsigned agreement as the signed agreement was sent back to Shellpoint Mortgage Servicing on XX/XX/XXXX and I did receive confirmation they received the signed document on XX/XX/XXXX as stated above.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Someone tried to open a Capital One card in my name and it was flagged on my credit report. I contacted Capital One about this issue and they said they were sending a letter to the all three credit bureaus to have this deleted as soon as possible! This has now been 4 months since this incident and nothing has changed. This is my last time addressing this issue and I will be suing in the amount of XXXX. My attorney will be contacting you shortly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc.
State: GA

Complaint narrative:
XXXX XXXX owner who opened a new account with square after applying online. Subsequently, I was sent a Square card with a Mastercard logo. Once the card was received and activated I immediately started performing transactions using the card and sending my current customer 's invoices. However, once my customers paid those invoices via Square and the monies went into my account Square placed the funds on hold. I very upset and confused because subsequent communication from Square asked me to send 3 months of bank statements and asked specific questions regarding my marketing material. I just opened a business account with XXXX XXXX but provided my personal bank statements where my customers would XXXX me for my services and products. Lastly, after three days I was told that my customers would have to use alternative payment methods so I basically just provided products and services for free to my clients. I am beyond disappointed and upset. I had to contact some of my clients to ask if they could pay for the products/services again using a different payment method. It was unprofessional and unheard of. Why would my account be approved and the card sent out to go through another round of arbitrary verification rules after money is being sent to the XXXX XXXX? The legitimacy of my business should have been challenged at the application stage. I have been in business for over 10 years and have never experienced a situation like the one Square has presented!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FlexShopper, Inc
State: FL

Complaint narrative:
I cant remember a date but I went to flex shopper online to order a camera and make payments over time..I think it was weekly payments. I order the camera but never received the item. Ive tried many times to resolve this problem with the company speaking to many people. The account is now in collections which it should not be and everyday I receive calls and emails about a debt I do not owe because I never received the item.

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 2021-02-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I keep sending letters in regard to a bankruptcy that they claim has been verified by XXXX XXXX but the information they are reporting does not match the XXXX XXXX Report, Transunion, XXXX  or XXXX  report. I also looked on Pacer and none of the information matches. 

I don't understand how all this information is being verified but none of the information is being reported the same from any of the Credit Reporting agencies and I keep getting ignored by TransUnion, XXXX and XXXX  and XXXX XXXX about this. 

Name My name has only been XXXX XXXX XXXX. TransUnion has a reported name of XXXX XXXX XXXX which is completely inaccurate and needs to be removed. 

Bankruptcy TransUnion, XXXX, XXXX, XXXX and XXXX all have different Docket # 's All credit reporting agencies are reporting different Court names and addresses which do not match XXXX  confirmation # XXXX dated XX/XX/20 investigation was incomplete and did not list any information for the Bankruptcy being reported. 

File for XXXX  shows court name Federal - but no information was provided in the investigation results. Report was blank that was provided by XXXX  in there investigation results provided on XX/XX/20. 

TransUnion File # XXXX dated XX/XX/20 Bankruptcy Court TransUnion US Bankruptcy Court with address XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, FL XXXX XXXX Report # XXXX Dated XX/XX/20 US BKPT CT FL XXXX with address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Reference # 's are different on all files TransUnion XXXX XXXX  XXXX XXXX  XXXX and XXXX shows XXXX How can every reporting agency have different information. How can I not get an answer to any of the letters being sent to TransUnion. Why was my report incomplete from XXXX. Why isn't XXXX XXXX telling me how they are getting this information if they clearly have not verified this information with anyone since I had to reach out to the court and have told me that they do not verify this information. So how can any of this information be accurate?

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 2021-02-02 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
On XXXX/XXXX/2021, I disputed multiple FDCPA violations on my credit file and they have yet to address this matter for me. I feel like Im being taken advantage of and its becoming really exhausting and frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
I secured a loan with NetCredit with of my credit rating and potential high interest rates. Ive been making monthly payments in full and on time expecting some part it would be applied to the principal. To my complete shock, after t least 2 years, balance had significantly increased beyond the initial principal ( negative amortization ). In speaking with a representative, I was informed that nothing had been applied to the principal and random fees been attached. As no billing statement or account record is neither mailed or emailed to me and nor did any representative disclose that to me. Im a XXXX and XXXX struggling to make these payments only to get further in debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Letter of Dispute In XX/XX/2020 Ive managed to place an order with XXXX ( XXXX ). Unfortunately, due to the inability to test products I had to request a return for a refund for two major reasons doesnt fit and item looks different from online description. Therefore, Ive followed XXXX  Return policy and shipped the items back via USPS Label with a Tracking XXXX and XXXX XXXX  XXXX previously issued and approved by XXXX and the package was successfully returned back to XXXX as of XXXX/XXXX/2020. However, I didnt receive the refund accordingly and had to file a billing dispute with Chase. 
Ive reviewed the documents provided by the merchant and has to rebute the statement saying that they dont have a request in a system for a return for a refund. Below this letter you will find a copy of return request altogether with a copy of the shipping label issued and approved by XXXX for a return to be fully processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
My mother had a Chase account and she was a victim of fraudulent activity. 
She then had me put on her account since she was XXXX years old, the fraud was committed by her daughter and XXXX grandchildren when she lived in the XXXX. Chase closed her account and seized if I remember correctly over {$2300.00} or more. I called the fraud department and the guy was extremely nasty. 

Since this all happened my mother moved into my house she can't be alone and I am her son and legal guardian, my name is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Dear Sir or Madam, my issue concerns a collection which is fraudulent and which despite being disputed by myself with collection agency operators and through communication with the credit bureaus and with the original company, persists to this day. 

The account was with target which is owned by TD Bank. I was issued a store card in XXXX. The amount eventually was approx {$3000.00} dollars. I used the card 2 times to purchase sundries and then approx {$200.00} worth of lamps which did not work after a week and which I took back for a credit. 

At first Target billed me for a late payment when I called they reversed this stating that it was their error. When I began to get bills for the credited items I got upset and called Target again and had the matter cleared up again and then asked the agent to close the card as it was giving me more problems than having it was worth. The reluctant agent eventually told me the card was closed ( with no balance ) and that all was well. 

Approx. 6 months later I began to get collection letters for the {$200.00} which I disputed, explaining the card was closed. Nothing was due on it and that Target/TD bank should be contacted. 

Today, XXXX  XXXX  XXXX  sent me a letter stating that the balance owed is {$3500.00}. For what? Apparently for the entire balance of the card which I did not use, and some fees which they feel they have the right to tack on. I am writing this agency in the hopes that it will provide the oversight which is sorely needed by this so called company to erase this fraudulent debt once and for all. 
Their debt is false, the card was closed with a full balance on it and once that happens nothing can be purchased on it ever again. I will include the account number and all other pertinent information here as this is getting to the point where if I need to hire an attorney I will. 


XXXX  XXXX  XXXX  XXXX  File Number : XXXX Account Ending In : XXXX Balance : {$3500.00} XXXX XXXX TD Bank XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have ongoing disputes with Experian as 3 collections ( and addresses reported by them ) have appeared so far on my credit report that happened due to identity theft. The first collection/address were disputed successfully and I currently have 2 pending collections under dispute. I submitted an FTC report and have submitted several to Experian in the past few weeks ( updated over time as each new collection and address have appeared ). I keep getting the same email from them stating " The identity theft report that you provided to us does not meet the guidelines established by the federal Fair Credit Reporting Act for the following reason ( s ) : It was not filed with a law enforcement agency which subjects the person filing the report to criminal penalties relating to the filing of false information. '' I have called several times and no rep has ever been clear as why they can not accept it ( is it because I keep updating it and the previous one submitted is no longer valid? or something else? ) .Today, XXXX/XXXX/2021, I called again to get clarification as to why I received the email again and why they can not accept the FTC report I submitted. Rep said " We know the report is fake '' basically accusing me of faking an FTC report when it was literally filed and downloaded directly from the FTC 's website. I asked the rep to clarify why they think the report is fake if it was downloaded from the website ; I explained that the report has been updated by me every time new collections/information has come up and submitted. Rep refused to answer, stating again that they know that the report is fake, that she could not reveal details but that they are aware the report is not real. NO EXPLANATION. I asked if they could send me a letter instead to explain why if she could not do so over the phone and the rep stated she could only send me the same email they keep sending which is NO HELP. Rep stated to contact the collection company directly instead and if they accept the report then they would remove the collection which 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 2021-02-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I am a single mom with XXXX kids who suffered extreme XXXX  and XXXX  XXXX by my ex husband who fraudulently stole everything we had, opened credit cards under my SS # and caused us to be evicted and homeless for years. Due to my ex husband actions I received multiple calls from collections that were not mine and struggled to survive. I was able to settle with XXXX after I told them what has happened and that I am not responsible on these accounts but they kept threatening me to take me to court if I won't pay. XXXX never explained me my rights if any, even after explaining that I am a victim of Identity theft. They said that I am responsible since it's my SS and promised me to decrease the amount and delete the information from my credit report. After months of payments, I finished and called them however, they refused to delete the 3 accounts. I contacted the credit companies with regards to 3 XXXX accounts that were promised to be deleted, provided them with my eviction letter, a police report about my ex husband stealing all we had and explaining them that these 3 accounts are not mine. I disputed for over a year every month through their online dispute, called and disputed by phone, and mailed supporting documents. They just don't care. I am struggling during the pandemic with XXXX kids and these fraudulent items hurt my life severely. Please help me remove these three accounts from my credit repots.

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 2021-02-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Io, Inc.
State: VA

Complaint narrative:
I recently submitted a complaint. The company closed this complaint with failing to address the issue. Theyre response and is unacceptable when they are in violation of the HIPAA Law. Here is the company response Thank you for reaching out to our firm. We have reviewed your accounts. As stated in your complaint case no # : XXXX, Receivables Management Systems sent a letter back on XX/XX/2020 to show the balance in our office. Our firm has sent information to the original creditor requesting additional information. Our firm has not received that information as of date but once we have received, it will be mailed to the consumer to the address listed in this complaint. Please contact our firm directly should you need further assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I received a phone call from a scammer saying my payment to the XXXX XXXX XXXX had been outed from my Chase bill pay to the wrong address and that i needed to go into chase bill pay and redo the payment in the XXXX bill pay option. I did this.. When I realized that something was wrong I went to bank and called they told me they could do nothing that I had submitted the payment. I talked to 3 different phone recorded calls and went to two branches of chase.. No one would reverse the payment. My phone call was immediately following the transaction and still reads pending but they would not reverse it.I was asked to contact XXXX the bill pay chase uses and they told me beings I did it on my chase bill pay I would have to talk to them. This scammer knew my numbers ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: NJ

Complaint narrative:
XXXX XXXX  is reporting the account attached incorrectly. The open date on Equifax and XXXX is XX/XX/2015 and on XXXX  its XX/XX/2015. The past due amount on XXXX  and XXXX  is XXXX and on Equifax its XXXX. On XXXX  and XXXX  it shows 120 days past due and on Equifax it shows 90 days past due. If all of this information is produced from the same place and sent to all three bureaus why is it incorrect? I would like this account deleted from all three bureaus since nothing matches up.

Company response to consumer: Closed with explanation