vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I placed an online order with Kohls.com on XX/XX/2021. Order was not rec 'd by XX/XX/XXXX so I called Kohl 's to track it. Was informed that package was lost and order could not be replaced as items were out of stock. Was promised a full refund that day. This did not happen. I have subsequently called Kohl 's every week regarding my credit and have been promised multiple times ( with reference numbers ) that credit has been applied. This has not happened. As of today I have spoken to 28 different customer service people at Kohl 's who have all promised me that credit has been applied to my account. This has not happened. Instead I have been sent to collection 3 times for a bill I don't owe. They have apologized for their error and removed collection fees and interest each time while also promising that the credit was done and I had a XXXX balance. Unfortunately they don't do what they promised. I am at my wit 's end and don't where to turn. What they are doing is against the law and I would like something done about it asap. 
I have never been late on a bill in my life so this is extremely disturbing to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: KY

Complaint narrative:
I postal mailed info for complaint # XXXX. I spoke to 2 of your agents and both emailed me the same thing showing there are no case number. Your 2nd agent said she could see info about the complaint. Maybe I did not postal mail a passable complaint. I will try to start this as a new case. 

XXXX XXXX ( Mr. Cooper ) constantly emailed me about lower rate savings. I did apply and paid {$520.00} appraisal fee. After reviewing the closing costs I decided to cancel the refinance. However I tried to remove the PMI mortgage insurance since their appraisal was XXXX and my current remaining mortgage is XXXX well under the 80 % PMI requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: MA

Complaint narrative:
How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX  student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have been a Capital One card holder for a couple of years. I decided to take the steps to move cards around to obtain better rates and benefits earlier this year in XXXX. I initially went to Capital One to increase my credit line with the XXXX card and it was only increased {$100.00} with " no impact to my credit ''. I then tried to pre-qualify for a card and was subsequently denied. Again, it was advertised that there would be no impact to my credit. I eventually applied for a Quicksilver card and was approved. Because of the low benefits of the XXXX card, I elected to close that card. I determined a month or so ago that I needed a store card to help cover my daily purchases. I remember I received a mail-in offer for the Walmart Rewards MasterCard and the letter specifically mentioned that I would be considered for a Walmart store card if I wasn't able to get the credit card. Since I've been moving my credit cards around a lot lately, I decided to apply for the card, in hopes I'd get the store card rather than the MasterCard. I applied on Saturday XX/XX/XXXX and was subsequently denied due to the number of inquiries on my report, several of which were from Capital One. I applied on XX/XX/XXXX over the phone, after inquiring about an appeals process and was denied again. I asked to speak to a supervisor, who informed me that there is no appeals process and the process is just to reapply. I explained to her that this will continue to hurt my report, and I wanted to appeal because of my circumstances. She mentioned that anyone can continue to apply for a card as many times as possible, but no appeals process would be done. 

My complaint is that Capital One targeted an offer, even after my credit inquiries by Capital One and when I applied for said offer, it was denied because of my inquiries. This practice makes no sense and I believe this should be explored. The supervisor didn't offer to remove me from marketing offers and all she offered was to give feedback on the process. I understand that inquiries can make an impact, but what happens when inquiries from the company who claims that checking for offers won't hurt your credit, end up hurting your credit?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Portfolio Services, Inc.
State: MD

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have reached out to Equifax Credit Bureau last XX/XX/2021, and I have not received any response up to this date. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE FOLLOWING ACCOUNTS ARE STILL FOUND AND NEED TO BE REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXXBalance {$8100.00} XXXX XXXXBalance {$49.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX-Balance {$420.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
THE HOMEDEPOT CREDIT DEPARTMENT MADE A CHARGED TO MY ACCOUNT OF ALL THE AMOUNT OWED AND THEN CLOSE MY ACCOUNT WITHOUT MY AUTHORIZATION. WHEN I FOUND OUT I CALL AND REQUEST MY MONEY BACK AND THEY DID RETURN MY MONEY, BUT IT IS AFFECTING MY CREDIT REPORT. HOW CAN I FIX THIS?

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 2021-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
Credit Collection Services called a number they have on file for me that was unlawfully furnished and obtained by them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I received a letter at the end of XX/XX/XXXX from a debt collection agency informing me that I owed {$1300.00} for infusion services provided by XXXX XXXX XXXX. For several years they had provided the infusion of my XXXX XXXX XXXX. The medication was provided by the manufacturer 's assistance program and medicare. I paid the remaining balance when billed monthly for the nurse/infusion. I stopped using them about a year ago and went to another provider. I never received any more bills or any indication that I owed other amounts until the collection agency sent me this bill. The noted services that I alledgedly owe for have different account numbers on each charge and there is no date of service listed. I attempted to call XXXX and talk to someone and they continually hung up on me and then told me they were transferring me to someone else. Finally after multiple phone calls they said they could not talk to me because it was in collections. As you will see on the attached letter from Credence, they offerred me the chance to settle this claim for {$1000.00} which I feel is attempted extortion. I replied with the attached letter and sent it by certified mail on XX/XX/XXXX. I feel that I do not owe this money and believe it is some sort of scam to scare me by threatening my XXXXedit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Omega RMS, LLC
State: DE

Complaint narrative:
I received a letter on XX/XX/XXXX from a debt collector dated XX/XX/XXXX for medical credit I did not sign up for. I requested validation when I was looking over my recent credit report. The letter also contains the statement they are resuming credit reporting. 
The original creditor XXXX XXXX XXXX never informed me prior to forwarding/selling the alleged debt to OMEGA RMS , LLC XXXX XXXX XXXX XXXX, MO XXXX XXXX debt collections agency. There was a charged interest amount totaling {$640.00} on top of the alleged debt of {$800.00} while the debt collection agency was in possession of said alleged debt. OMEGA RMS has not contacted me until I requested validation of the said alleged debt. Upon receipt of this letter it shows a debt origination date with the original creditor of XX/XX/XXXX with the first payment being auto-drafted from my checking account on XX/XX/XXXX. The signature the document bears is not my signature. I do not know how the original creditor obtained my checking account information and can charge me for credit I did not sign up for. I also looked up my states statute of limitations on medical debt ( 6 years ) and credit debt ( 3 years ) with that being said this alleged debt is not mine as well as beyond Delaware statute of limitations as it is over 7 years old. This alleged debt or publication of alleged late payments was not listed on my credit report the year I purchased my home 3 years after the origination of the application not bearing my signature but signed by someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On the date of XX/XX/XXXX I contacted XXXX about the unverifiable accounts addresses and inquires pertaining to invalid and unauthorized information being reported by information being reported on my credit report. it has been over 30days since I have submitted my dispute and I have heard or seen any progress in an investigation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
On XX/XX/2021 I called Bank of America to ask about overdraft fees. I knew my account was overdrawn & wanted to know if I could mitigate the damage. 

I specially asked about posting order of transactions. The agent said there was no way to know what order the transactions would post to my account. 

On XX/XX/2021 I called to ask about the 3 overdraft fees that were assessed to my account. I asked why the transactions were posted in an order that charged me 3 overdraft fees when they could have been posted in an order that would only have charged me 1. The agent & supervisor both very specifically explained the exact process and methods used to determine posting order. Information that was intentionally withheld from me the prior day. 

On XX/XX/2021 I specifically asked the supervisor I spoke with XXXX ( sp? ) which government agency I contact to file a complaint about the fees assessed on my account. She said they are not governed by a federal agency. She told me there wasn't anywhere I could file a complaint about the fees that were assessed. 

I contend that Bank of America intentionally withheld information to mitigate their risk of loss and increase their profit margin. I stated in my call on XX/XX/XXXX that it was very unlikely that I would be able to fix the entire overdraft and bring my account to a XXXX  balance. I deposited as much as I could hoping for 1 overdraft fee as opposed to 3 or 4. Bank of America should have helped me make a more informed decision about my overdrafted account. 

On XX/XX/2021 I called asking for help making an informed decision about my account and the overdraft status. Bank of America provided me with limited & incorrect information to serve their best interests. On XX/XX/2021 Bank of America stated that the incorrect information that I was given was irrelevant to the fees that were assessed. They did not care because it did not create a cash flow problem for them. The misinformation did not hurt 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 monetary relief
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: PNC Bank N.A.
State: AL

Complaint narrative:
PNC DEBT COLLECTIONS HAS CALLED ME AND STATED THAT IT WAS A FILE ON ME AND I HAVE UNTIL XXXX TO RESPOND AS IF IS A LAW CASE. THEY ARE MISREPRESENTING THE DEBT COLLECTOR LAWS AND ARE INVOLATION OF DEBT COLLECTION LAWS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. We have been sending written letters since XX/XX/XXXX with regards to my request of removing the items in question and my last request was sent XX/XX/XXXX. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$290.00} Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$72.00} Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: VA

Complaint narrative:
This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached the letters and FTC report that was sent on XXXX, XXXX, XX/XX/2021, XX/XX/2021 which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my inquiries have been diligently neglected by Equifax. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate pieces of information about my inquiries are still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my accounts and need to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXS-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date XXXX inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions
State: AK

Complaint narrative:
Second complaint - the company 'answered " the first complain but didn't answer anything. 

# 1. I called again to reach someone - failed. I called again and got someone they transferred me to someone else and it got nowhere. I am TRYING to resolve this but they won't let me. It's just a continuous phone ring that never leads to anywhere. I left another voicemail. 

# 2 Again, I never got the message that this was going to collections- and you guys just moved it to collections without notifying me. I didn't even know that I had outstanding balance. 

# 3 Prove to me that I am responsible for the alleged claims. They have failed to do so. I don't need to see " repair bill this amount '' I need to see specified itemized list of precisely what happened. This is my reasonable request. Please prove to me that I caused the damage and exactly what.

# 4 company replied to my previous complaint by saying " contact us '' I DID. I am not getting anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX my home was sold and the loan paid off. 

I have repeatedly contacted XXXX XXXX, XXXX. and requested they refund my escrow balance. In addition to XXXX calls made to them, I have emailed them the request on their website to no avail. 

I have always had issue with them in managing of my escrow since the date my loan was transferred to them in XXXX. It even included a situation of my homeowners insurance being cancelled for non-payment although they clearly had the funds in escrow. 

I am in process of purchasing another home and need my funds refunded now. It has been XXXX  days and not a word from 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