vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I submitted an online application to Quicken Loans Rocket Mortgage and the application indicated they were going to run a soft credit pull however when checking my credit report a few weeks later it showed as a hard credit pull. When I called the company and spoke with the Client Services department they indicated theres nothing they can do and that they have a disclaimer about a hard credit pull during the application process. I tried to recreate the application process to take a screenshot that the online portal clearly indicated soft pull however their website completely changed and now theres a disclaimer about credit being affected however it still does not clearly indicate it is going to be a hard pull.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX. XXXX XXXX, XXXX MA XXXX Account # XXXX I am writing to inform you that I do not owe this alleged debt on my credit report. I am refusing to pay this debt listed by the Debt Collector Agency. 

I demand proof of this debt. I am demanding for all three bureaus XXXX, XXXX and TransUnion to remove these defamatory remarks and comments from my credit report. This is a defamation of character.

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 2020-10-21 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: MD

Complaint narrative:
XXXX XXXX XXXX. XXXX XXXX, XXXX MA XXXX Account # XXXX I am writing to inform you that I do not owe this alleged debt on my credit report. I am refusing to pay this debt listed by the Debt Collector Agency. 

I demand proof of this debt. I am demanding for all three bureaus XXXX, Equifax and XXXX to remove these defamatory remarks and comments from my credit report. This is a defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Company XXXX XXXX was notified via written mail to stop communication over telephone. They continue to call.

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 2020-10-21 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: FL

Complaint narrative:
A demand for verification of debt was presented to Equifax and XXXX   by my attorneys twice and XXXX as well and they have failed to respond on either occasion causing for immediate and permanent deletion of the reported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 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: FL

Complaint narrative:
A demand for verification of debt was presented to XXXX and Experian by my attorneys twice and XXXX as well and they have failed to respond on either occasion causing for immediate and permanent deletion of the reported debt.

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 2020-10-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have file a police report for fraud on XXXX XXXX XXXX this is not my account I have told the bureaus that is isnt mine and they have not done anything to this day. I have also file a dispute for XXXX XXXX it is to old to be on my report and they havent remove that either.

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 2020-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have file a police report for fraud on XXXX XXXX XXXX  this is not my account I have told the bureaus that is isnt mine and they have not done anything to this day. I have also file a dispute for XXXX XXXX it is to old to be on my report and they havent remove that either.

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 2020-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
****Company : Chase**** ****Products Used : Chase Sapphire Reserve XXXX Chase Freedom, Chase Freedom XXXX**** ****Timeline of Events : ( XX/XX/20 ) - I update the Chase credit card app with new banking information, and use the new bank account to pay all 3 of my cards. The payments were for {$80.00}, {$830.00}, and {$380.00}, for a total of XXXX $ XXXX. For context, the total line of credit across all three cards is $ XXXX. I've been a loyal Chase customer for over 5 years and have never missed a payment or spent over 5 % of my credit limit. 

( XX/XX/20 ) - I notice in the Chase app there are return payments on my cards, meaning the payments did not go through. 

There's no stated reason for the return payments in the app, so I call Chase. The customer service rep explains the payments were declined from the bank due to missing account information. I realize I must've entered the routing information wrong. 

I correct the banking information in the app, and ( this will be important later ) ask the rep if I need to be aware of any fees or penalties associated with the late payments. They assure me that my account will continue operating as usual. 

( XX/XX/20 ) - I take my car to the auto shop for an oil change. I walk down the street to buy lunch. My Chase cards are all declined. I call Chase, to learn my accounts have been closed. 

A customer service rep explains that return payments triggered the account closure. A lending specialist explains it will take 1-2 weeks to reinstate the accounts. In addition they had to perform a hard credit pull, just to re-validate my creditworthiness. 

I don't have my debit card or another credit card on me, and I didn't bring cash, so I'm left stranded. **** ****Complaint : Chase gave me false information about the potential negative repercussions from returned payments. Once a decision to close my accounts was reached, I wasn't notified in a timely manner, leaving me in a precarious decision. Despite the fact I'm signed up for phone and email alerts from Chase, I didn't receive a call/text/email. Instead, a letter is mailed ( which as of writing, XX/XX/20, has yet to be sent ). ****

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
contacted Ccs collections about a debt that they have that's on my credit report and they said that they do not have any debt with my name or anything so I asked that if that info could be sent to my email and they refused. So debt they say they have for me but couldn't prove it needs to updated with all credit bureaus.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus XXXX shows XX/XX/2020, XXXX shows XX/XX/2020 and Transunion has XX/XX/2020. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I  have a right to an accurate credit report please delete this unverified inaccurate account immediately. 


Account Name : DEPTEDXXXX Account # : XXXX Account Name : DEPTEDXXXX Account # : XXXX Account Name : DEPTEDXXXX Account # : 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 2020-10-21 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: AL

Complaint narrative:
This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of 2020, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus Equifax shows XX/XX/2020, XXXX  shows XX/XX/2020 and XXXX  has XX/XX/2020. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately.

Account Name : DEPTEDXXXX Account # : XXXX Account Name : DEPTEDXXXX Account # : XXXX Account Name : DEPTEDXXXX Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 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: Penn Credit Corporation
State: NY

Complaint narrative:
There are 2 fraudulent collection accounts on my credit ( penn credit and  XXXX XXXX XXXX XXXX. These accounts are not mine. They were NOT open by me, utilized, nor paid by me. Please remove them from my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC
State: IL

Complaint narrative:
RECEIVABLES PERFORMANCE is reporting a negative unverified account on my credit report. RECEIVABLES PERFORMANCE failed to respond to my debt validation letter sent on XX/XX/2020. ( please see attachment ).

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 2020-10-21 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: Franklin Collection Service, Inc.
State: AL

Complaint narrative:
I pulled my credit report on XX/XX/XXXX, and found an entry from Franklin Collection Service, claiming that I owe them {$750.00}. On XX/XX/XXXX, I sent them a certified letter seeking 100 % complete debt validation, within 30 days. The letter was delivered on XX/XX/XXXX. In response to my letter, The company sent me a billing statement with a message stating that the bill was validation of the debt. I called immediately to speak with someone, but could not reach an agent. I called on XX/XX/XXXX, and was told by their agent that the bill I was sent is validation of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
contacted said collection agency and they couldn't verify said debt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
I noticed on my credit report that a collection was added by a Wakefield and Associates from XXXX, TN. The account was placed by XXXX XXXX XXXX on XX/XX/2020. To the best of my knowledge I have received no written communication nor have I spoken with anyone at this company regarding this debt. I am assuming that XXXX is also XXXX based out of XXXX, TN. XXXX was the XXXX XXXX  provider at my employer XXXX XXXX of XXXX. I was seen in our XXXX for flu like symptoms. The co-pay was paid at a reduced rate and the remainder to the best of my knowledge was paid by my insurer XXXX  XXXX XXXX. The amount showing on my credit reports is between {$110.00} and {$110.00}. I wrote Wakefield and Associated on XX/XX/2020 to verify the debt but I am yet to hear from them. I feel that this debt is not valid and I am looking to have this account removed from all 3 of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I made contact with Kohl 's Credit Card in reference to trying to settle my past due Kohl 's Credit Card account ( ending in XXXX ). I spoke with them sometime before or on XX/XX/2020. I received an agreement that they would settle my Kohl 's Credit Card account if I were to pay {$280.00}. I paid the {$280.00} that day over the phone and it was taken from my bank account on XX/XX/2020. I was told that after making this payment I would no longer owe any money and that my account would be closed and paid off. A few days later I received a letter from Kohl 's Credit Card stating they agreed to settle my account for {$280.00}. I called Kohl 's Credit Card on XX/XX/2020 to see if I could get a letter showing I paid the {$280.00} and they told me I still owe {$280.00}. I told them I received the letter in the mail with the settlement and that it was paid and they still would not close the account as being paid. I have attached the letter I received from Kohl 's Credit Card agreeing to the settlement, the statement showing where it shows I still owe {$280.00}, and my bank statement showing where I paid {$280.00} to Kohl 's Credit Card. This has caused me delay in purchasing a new house and has caused me to lose some houses which I wanted to purchase. This has also harmed my credit even more as this was paid two months ago and it still shows I owe money which it should not. I am requesting that Kohl 's Credit Card remove this account completely from all three of my credit reports as they did not hold up their end of the agreement and have caused my credit to be harmed more than it should have.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Yamaha Motor Finance Corporation USA
State: IL

Complaint narrative:
I was receiving normal monthly statements/bills. My last paper statement/bill was received in XXXX. Around the end of XXXX I realized that I had not received a statement/bill for a little while. On XX/XX/XXXX, I called Yamaha Financial Services and eventually spoke withe a representative. I told the rep that I had not received a bill and asked why. I was told that they switched to electronic statements. I DID NOT receive notification about this nor did I sign a consent form to receive statements electronically. I told the rep that I never received any written or email communication about this. Turns out, Yamaha Financial Services DOES NOT have my email address on file. You can not send a bill electronically if you do not have an address to send it to. I then told the rep that I want paper statements mailed to me and that I also needed to make a payment. He provided my payment amount {$250.00} for  XXXX but failed to provide late fees that had accrued. I told him that i normally pay {$260.00} so I made my normal payment thinking everything was okay and then I received a past due notice in the mail. It was dated the XXXX and I called the XXXX so I disregarded the notice, but I kept it for my records because it had instructions to be able to access my account online. I normally shred my bills after I pay them so I did not have my account number to gain access to the online account, which is another reason I kept the letter. After I received notification from XXXX that I had a loan reporting past due, I logged into my online Yamaha account to find out that I was past due a late fee that the rep failed to mention that I owed. I called Yamaha Financial on XX/XX/XXXX and again asked about the paper statements, the rep verified again that they do not have my email address on file, and he also didn't ask for it. I told them that I wanted the late fees waived, and that I wanted paper statements. After him giving canned apologies and not being able to help me, I was eventually placed on hold for several minutes and then the call was disconnected. This was a 30 minute ordeal. I would like to know why I was given my normal payment amount and not the total amount including late fees of {$39.00}. Which turned out to be {$79.00}  because I made the payment after the XXXX due date. I have had the loan since 2013 and have never missed a payment. Now I have a past due payment on my credit report which I have to waste time to dispute and I am still not receiving paper statements after requesting them. I also really want to know why and how they decided to provide electronic statements without my permission and without having my email address.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 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: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
There are 2 fraudulent collection accounts on my credit ( XXXX XXXX and XXXX XXXX XXXX XXXX. These accounts are not mine. They were NOT open by me, utilized, nor paid by me. Please remove them from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 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: CA

Complaint narrative:
They are saying the complaint is not by me. I AM XXXX XXXX. THIS COMPLAINT IS FROM ME. Stop being XXXX and trying to use every excuse in the book not to address the issue which is the fact that you did not investigate in 30 days!

Now try another excuse ....

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 2020-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TN

Complaint narrative:
I have been overcharge by Shellpoint  Mortgage for fees and late charges as of XX/XX/XXXX in excess of {$1800.00}. I've asked several times for an explanation since XX/XX/XXXX from the company, but have not received a response. I charges are incorrect and without merit. I have had this mortgage for over 20 years and I have experience nothing but problem since it was transferred to ShellPoint  Mortgage.

Company response to consumer: Closed with explanation