vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-12 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2020 I used my Citi XXXX XXXX credit card to purchase 2 airline tickets to XXXX. Days later flights were cancelled due to COVID-19. I initially disputed one of the charges with Citi to get a refund ( which I eventually did on a ticket ending in XXXX ). The other charge of XXXX I was told to go through XXXX XXXX. XXXX eventually changed their policy to issue actual refunds rather than just airline credit. On XX/XX/2020 XXXX XXXX sent me a notification that a refund was being issued for a ticket ending in XXXX and that it could take XXXX days. About 2 weeks after that, I emailed and called Citi asking if there was a reason for the delay. To this date I have not been issued that refund. I have continually placed a dispute on this charge which has been responded with too much time having passed and not having a current receipt. This additional charge has caused issues with my credit score, additional lines of credit, and the credit limit for this card being reduced as well. Also, XXXX XXXXXXXX during the pandemic has been added as I have not been able to access this money.

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 2022-01-12 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I asked Equifax to explain why my account comes up as a fraud alert to car dealer. My credit file is not reporting accurately. I was told to provide proof of Identity. I have given them my information and it has not update or change the status of my credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
On XX/XX/2022 i filed a dispute against TRANSWORLD SYSTEMS INC for inaccuracies on my credit report for FCRA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is my THIRD DISPUTE LETTER Recently I reviewed one of my credit reports and notice there were some inaccurate, outdated, and fraudulent information that will need to be removed. I am a victim of identity theft and several of the items on my credit report is not mine. I have also notice items that have been illegally re-aged. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. The Fair Debt Collection Act/ ( O.R.C. 2305.07 ) and ( O.R.C. 1303.16 ( B ) Ohio Debt Collection Statutes of Limitation. I am requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, 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 non-monetary relief
Consumer complaint received 2022-01-12 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: FL

Complaint narrative:
Transunion has violated my rights and is also of violation of the FCRA 15 usc 1692 ( a ) They not only have this incorrectly reporting they have not sent verification of such debt that I allegedly owe. Also Section 609 ( a ) ( 1 ) ( A ), says you are required by FEDERAL LAW to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report.

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 2022-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants and Professional Bureau, Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of the identity theft. The account was removed and now has being reinserted back onto my credit report without my knowledge of this account. I've proof of account showing deleted and reappearing. I have copy of my identity theft report. Remove fraudulent account placed by the collection company from all my credit reports

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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: U.S. BANCORP
State: NY

Complaint narrative:
- Someone appears to have fraudulently applied for and received a Visa credit card in connection with my Fidelity investment account - I discovered this today when I received an account statement in the mail ( physical mail ) addressed to : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX - Note that this is very similar to my address, which is : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX- The account number on the fraudulent card is XXXX XXXX XXXX XXXX - I wasn't able to determine exactly when the account was opened, but it was likely in XXXX of XXXX of 2021 - This person appears to have made purchases totaling {$270.00} from XX/XX/2021 and XX/XX/2021 - I have reported this to Fidelity and they are investigating - Fidelity also told me that the email address associated with the fraudulent application is 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 non-monetary relief
Consumer complaint received 2022-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: OR

Complaint narrative:
Related to CFPB Complaint # XXXX - I'm not sure why you closed it as the issue is still not resolved. 

The response New Rez provided to you was an outright lie. Per XXXX XXXX XXXXXXXX XXXX New Rez never contacted them to authorize refund of the tax overpayment be sent directly back to me. 

I spoke with XXXX XXXX today and they informed me the overpayment was refunded back to New Rez in XX/XX/2021, however I have not received my refund check. They currently owe me {$4400.00}. I have left numerous voicemails and sent messages to New Rez and have had no response.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
My identity was stolen. My social security card and id was stolen on XX/XX/XXXX. Since then i have notice multiple accounts and inquires appear on my credit report. The following accounts and inquires were not authorized by me and are in fact fraudulent. 

Creditor : XXXX XXXX Account number : XXXX Balance : {$950.00} Creditor : XXXX XXXX Account number : XXXX Balance : {$550.00} Creditor XXXX XXXX XXXX XXXX  Account XXXX : XXXX XXXX Balance : {$160.00} Inquires XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Co XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-01-12 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: TX

Complaint narrative:
I was charged twice by XXXX an airline company for the amount of {$1200.00} on XX/XX/2021. I contacted Chase Bank about this transaction and immediately filed a claim. I faxed copies of the transaction, flight tickets, statement of the amounts charged, confirmation number, and multiple emails to the vendor addressing the issue. Chase stated that the charges were valid. However, I disagree and feel that as a loyal customer of XXXX years they could have resolved this transaction. They stated that I took to long to respond to them. I took 2 days to fax over a statement that they were asking for and I had to go to one of their branches because the only option was to fax it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: NCB Management Services Inc.
State: MO

Complaint narrative:
Calling my phone 15 times a day every day no message Ncb management corporation XXXX XXXX XXXX Are not supposed to be able to call phone that many times with new law

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE
State: FL

Complaint narrative:
I have filed a previous complaint on this company. They have yet to remove the negative items that are causing me extreme financial hardship from my credit report. I was advised to also file a complaint with the XXXX  as this company has a pattern for abusing and violating the fair credit reporting act. Im adding this complaint again with my original complaint. The response received from the XXXX  that this negative information would be removed but still has not. Please see below complaint not resolved. 

On XX/XX/2022, this collections account was added to my credit report. I was not ever notified by XXXX XXXX XXXX XXXX This just appeared on my credit file in the amounts of XXXX, XXXX, and XXXXThe account numbers aren't on my credit report and the companies address is not listed. I haven't ever done any business or heard of either of these companies. Avante XXXX XXXX XXXX did not verify this debt but instead just put theses 3 items on my credit report. This is clearly an abuse of collections tactics. This company has violated the fair credit reporting act. This is not my debt. I don't have or have had any business with this company in the past or currently. This has a severe negative affect on me as a consumer and is in violation of the fair credit reporting act. This company failed to validate this debt and put these items listed above on my credit report which is causing me extreme financial hardship. I demand that this negative information be deleted immediately from on my credit file with all 3 major credit reporting agencies not to resurface on my credit file again.

Resolution : These are not my debts! These 3 accounts have been added to my credit file in error. This company failed to validate this debt and put these item listed above on my credit report which is causing me extreme financial hardship. I demand that this negative information be deleted immediately from my credit file with all 3 major credit reporting agencies not to resurface on my credit file again and cease and desist all collections efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
On XX/XX/21 I purchased a XXXX from Nissan in XXXX on XXXX XXXX XXXX XXXX We paid with a check in full, but the finance manager, believe XXXX XXXX, processed it as a financing " to wait a couple of days until personal check clears ''. The check cleared in XX/XX/21. But at the end of XXXX we received a notice from DMV that Nissan is the lienholder. I have called countless times - every person just transfers to the next without doing anything. We emailed XXXX XXXX at financing department on XXXX he never replied. There is still a lien on our fully paid car and nobody wants to fix this problem. Terrible customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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: TX

Complaint narrative:
HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED IN MY NAME AND I WOULD LIKE THEM DELETED : XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  OPENED : XX/XX/XXXX XXXX. XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian is operating a scam credit reporting service. Watch out! Experian bombards consumers with ads. Within those ads are suspicious and hidden subscriptions. 

As the personal financial XXXX to the military, I continually check Experian for information to share with thousands of soldiers and families. On at least two occasions Experian has began charging me for a monthly report, that I did not subscribe to. When I discovered it again on my credit card, {$14.00} per month, I called them to immediately cancel it and requested a refund for two months. It refused! 

As a personal financial XXXX and XXXX XXXX XXXX, I have a fiduciary responsibility to warn all soldiers and families, including thousands, of the sneaky and unintentional scam tactics of Experian. I consider myself well aware of scams and Experian is duping thousands of unwary clients who depend on it as a credit bureau. 

In no way, did I intentionally subscribe to Experian 's monthly credit reports. I am notifying military leaders, the Michigan Attorney General, and all soldiers of this scam as I routinely speak to the groups and individuals.

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 2022-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Opportunity Financial, LLC
State: FL

Complaint narrative:
I, Consumer is requesting XXXX XXXXOpploans XXXX Opportunity Financial LLC XXXX Documentary Evidence pursuant to the TRUTH AND LENDING ACT. Under the FDCPA Fair Debt Collection Practices Act it says you MUST have proof of verification on your records. I am requesting a copy of that verification, by the way here is the legal definition for verification as this is a legal matter ; " A declaration swearing that statements made in a document are true. Depending on the jurisdiction, verifications are either made under oath or in the presence of a notary public or similarly authorized person. Verifications are traditionally attached to the end of all pleadings that are required to be sworn. Also called affidavit of verification. '' I am requesting verification of alleged debt under penalty of perjury which means that you swear and attest that the information or documents provided to me the consumer is true and correct. I need to see those Documentary Evidence information to validate this alleged debt you are claiming I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: OneMain Finance Corporation
State: LA

Complaint narrative:
They are reporting incorrectly on my credit report dates mismatched especially. Paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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: FL

Complaint narrative:
I feel like XXXX XXXX XXXX at this point its been a back and forth battle with Experian. This account from XXXX bank doesnt belong to me, Experian is well aware that I was a victim of identity theft, they even provided me with a complimentary membership!!! Ive provided affidavit as well, so I was suprise when I receive an alert that this account was accurate. They made no attempt to reach out to this company. THERES NO NOTICE OF DISPUTE, I also saw that in there notes they discussed dates???? Whos reviewing the concerns of the consumers at Experian?! Please remove 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 non-monetary relief
Consumer complaint received 2022-01-12 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
Hi, I sign an Deferment Agreement on XX/XX/XXXX it was never credited to my account and Im still receiving fees for the status of my acct. when i try to pull up the deferment agreement it is missing. The agreement would have covered 2 half payments for XXXX and XXXX and then I made a full payment to cover the rest. The only payment outstanding as of XX/XX/XXXX is XXXX but they show XXXX, XXXX and XXXX payments past due. I cant even Monitor what payments are missing due to missing information on statements this company is a joke and how many times can one acct have these many problems. Im sick of having to report this one company. This is 100 percent retaliation and harassment against me for reporting them to the Federal government

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ

Complaint narrative:
They reported me to credit agency and threatened to report my mom to the credit agency. They refused to make a payment plan with me and told me that I could pay {$50.00} out of {$210.00} that I owe but because I am 40 days late, they still reported me to credit bureau for unpaid payments. They told me to ask my co-signer for help so they dont report her. XX/XX/XXXX this happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
My identity was stolen. My social security card and id was stolen on XX/XX/XXXX. Since then i have notice multiple accounts and inquires appear on my credit report. The following accounts and inquires were not authorized by me and are in fact fraudulent. 

Creditor : XXXX XXXX Account number : XXXX Balance : {$950.00} Creditor : XXXX XXXX  Account number : XXXX Balance : {$550.00} Creditor : XXXX XXXX XXXXXXXX Account XXXX : XXXX XXXX Balance : {$160.00} XXXX XXXX XX/XX/XXXX XXXX Card XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Co XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
My identity was stolen. My social security card and id was stolen on XX/XX/XXXX. Since then i have notice multiple accounts and inquires appear on my credit report. The following accounts and inquires were not authorized by me and are in fact fraudulent. 

Creditor : XXXX XXXX Account number : XXXX Balance : {$950.00} Creditor : XXXX XXXX  Account number : XXXX Balance : {$550.00} Creditor : XXXX XXXX XXXX Account number : XXXX XXXX Balance : {$160.00} Inquires XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 non-monetary relief