vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-15 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/2021 we booked three tickets from XXXX XXXX to XXXX ( XXXX ) via XXXX XXXX. Travel Dates ( XXXX to XXXX ) The ticket was booked using my Citi XXXX  Credit card points and the remaining balance was paid through Citi Costco Visa Card . Total of XXXX Points + {$2200.00} USD. 

The trip id is XXXX. Airline Reference # is XXXX. XXXX Reference Number is XXXX. 

The passenger names are XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. 

The issuing company was citi XXXX  and is called XXXX  XXXX  XXXX  for XXXX  XXXX  ( XXXX / XXXX ). 

The tickets were fully refundable. 

Due to increase in covid and cancellation to travel back from XXXX, we were not able to take the flights and had cancelled the reservation before the travel dates. 

We have been following with XXXX  for the last 5 months and every single time they say that the amount will be refunded in 1-2 billing cycle. 

This is a large amount and have not been able to get the proper refund. 

I followed up today with my Credit card company and because the transaction has been over 6 months, unable to put it into dispute also. 

Please note that my husband had a separate ticket with XXXX XXXX  and the full refund came into our account more than 3 months ago. 

Please help in getting our full refund. 

Today when the agent said this call is getting recorded, I did tell that I am also recording the call, and she hung up. This is unfair and would really appreciate if you can get us our full refund.

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 2021-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
The collection company Midland Credit Management , Inc have not removed a lien on my property after the lien was dismissed by the court. I also contacted the court about this and because no resolution at this point I see no other option but to file a formal complaint with a Federal agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
All three credit reporting agencies ( XXXX, Equifax, and XXXX ) have not been abiding by the FCRA. I would assume that since they are not a government agency and their services are not required by law, they would be more careful to not make such enormous mistakes. For one, they have been sharing my identification information to a number of corporations without my consent. No consent is identity theft which is a crime pursuant to 18 USC 1028A ( a ) ( 1 ). As well as 15 USC 1681q. It is also considered to be fraud. Pursuant to 15 USC 1681c ( a ) ( 4 ), a consumer report is not supposed to contain accounts placed for collection or any adverse item or information. Everything they have on the consumer reports are not verified information and were not disclosed to me before reporting this fraudulent information to my credit report causing harm to my reputation. They have no right to furnish any consumer report without my written instructions pursuant to 15 USC1681b ( a ) ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
All three credit reporting agencies ( Transunion, XXXX, and XXXX ) have not been abiding by the FCRA. I would assume that since they are not a government agency and their services are not required by law, they would be more careful to not make such enormous mistakes. For one, they have been sharing my identification information to a number of corporations without my consent. No consent is identity theft which is a crime pursuant to 18 USC 1028A ( a ) ( 1 ). As well as 15 USC 1681q. It is also considered to be fraud. Pursuant to 15 USC 1681c ( a ) ( 4 ), a consumer report is not supposed to contain accounts placed for collection or any adverse item or information. Everything they have on the consumer reports are not verified information and were not disclosed to me before reporting this fraudulent information to my credit report causing harm to my reputation. They have no right to furnish any consumer report without my written instructions pursuant to 15 USC1681b ( a ) ( 2 ).

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 2021-10-15 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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I am a victim of identity theft and was recently astonished when I seen multiple fraudulent reports on my report including IC Systems. Attached below is my debt validation not verification request to IC Systems due to the fact that I have never entered a consumer contract with IC Systems or 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 explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I have Low income. And each year I am to apply for the income-based repayment program. I tried on my borrowers website this year to apply but I was unable to do so for some reason it wouldnt accept my information. So I went to the federal student aid website and applied for my income-based repayment program there assuming it would transfer to my loan servicer NelNet. I called NelNet in XXXX to advised them of this and they said my payment would stay the same which was {$390.00}. However my payment went up to XXXX and I never received a notification that this would occur. The last email I received from Nelnet was in XXXX asking me to recertify which I had difficulty doing so I called them after I did it on the federal website and they said that my payment would remain the same but it changed and they did not notify me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Shellpoint Partners, LLC

Complaint narrative:
I submitted a complaint ( complaint ID XXXX ) dated XX/XX/XXXX to Shellpoint regarding a mortgage debt collection that I do not owe. I provided an official document from the court dated XX/XX/XXXX, which stating " That in exchange for getting out of the mortgage and for Fannie Mae to take ownership of the property, there shall be no further obligations, now or in the future, for ( me ) ''. 

A response letter dated XX/XX/XXXX by XXXX XXXX, Compliance Department, Shellpoint Mortgage Servicing, stated " The documentation you provided may release your rights to the property, however, it does not release your financial obligation. ". XXXX XXXX also wrote " Finally, Shellpoint respectfully declines your request for compensation requested for your sibling. Shellpoint does not condone harassment or unprofessional communication with consumers as it is our goal to adhere to all state and federal laws and regulations concerning the servicing of loans ''. 

The property is owned by XXXX XXXX since the court date of XX/XX/XXXX. I am not responsible and can not be held liable for any liability/obligations, financial or non-financial, for this property. 

Shellpoint is violating my privacy rights to continue sending collection and communications to me regarding this property via registered and non-registered mails to my address in XXXX. 

Shellpoint should contact Fannie Mae as this property is owned by Fannie Mae. 

If Shellpoint continues to send letters via registered or non-registered mail, to my address in XXXX, what do you suggest my next legal step should be? 

Is a private company allowed to continue to ignore and violate my privacy rights? 

Best, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I Have been disputing LVNV FUNDING LLC on my credit profile because it was a result of identity theft and the charges are fraudulent. I DO NOT OWE NOR DID I HAVE ANY ACKNOWLEDGMENT OF THIS ACCOUNT. I have disputed with XXXX, XXXX & XXXX. Also On this account there is also Many inaccuracies as XXXX and XXXX are not saying the same information. I am distressed that LVNV FUNDING LLC has included the information below in my credit profile and that they have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: FBC MORTGAGE, LLC
State: NC

Complaint narrative:
On XX/XX/2020 we signed a contract with XXXX XXXX, with the obligation to do business with FBC/XXXX  mortgage company. If we didnt get the loan FBC/XXXX  we will not get the house. Or so we thought. 
We were harassed into selling the house and paying off the car. 
We supplied all the paperwork. 
We believed that they will honor a FHA loan but they are not interested in complying with it and all they have done since XXXX is prolong the process, hindering, lying, deceiving, a XXXX score credit is not good enough. 
We had spent about {$20000.00} that no one is going to give back!! 
We believe them! 
They DONT give FHA loans!!! 
Even though they offer them!! 
They harassed us, pushed us, laughed at us, because they knew that they were going to be able to get away with it. And that NO ONE in this XXXX forgotten Country was going to do anything to stop them!!! 
We are homeless, my childrens college money down the drain, just because we believed. 
I feel like the jelly bean test again, where no matter the answer, no matter how many times you try, you still a loser!!! 
XXXX XXXX, FBC loans, and XXXX Homes are to blame! Pulling the credit until is useless!! XXXX credit score takes you nowhere, and to bring it back up take decades!! 
But they know the game and how to play it, because while their greed is controlling them ; we, my family and I are homeless. 
Shame on you USA!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX Credit Management LP XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX Certified Letter XXXX Debt Validation Letter Account Number:XXXX This letter is sent in response to after I viewed this fraudulent account on my credit profile, I immediately sent a complaint to the CFPB. 
I am requesting that you provide verification of this debt. 

Please send the following information : 1. The name and address of the original creditor, the account number, and the amount owed on the debt.

2. Verification that there is a valid basis for claiming I am required to pay the current amount owed.

3. Details about the age of the debt and the amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. 

4. Please also note whether this debt is within the statute of limitations and how that was determined.

5. Please also forward details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. 

Respectfully, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AZ

Complaint narrative:
IFS ( Infiniti finances ) is denying 3rd part buy outs. Nowhere in the contractual agreement does it specify that this can not be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have thoroughly reviewed my credit report and I would like to inform you of the inaccuracies it contains ( see list below ). I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 
Accounts XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX Reason This collection is not my account. 
Not mine, I never had an account with this company. 
Not mine, I never had an account with this company. 
I never made a late payment on this account, please correct. 
I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file.

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 2021-10-15 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: FL

Complaint narrative:
I have thoroughly reviewed my credit report and I would like to inform you of the inaccuracies it contains ( see list below ). I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 
Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Reason This collection is not my account. 
Not mine, I never had an account with this company. 
Not mine, I never had an account with this company. 
I never made a late payment on this account, please correct. 
I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: TN

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/XXXX I received funds that allowed me to pay off my credit with PayPal which was {$650.00} at that time. However, I paid for an additional purchase ( {$70.00} ) on XX/XX/XXXX after paying off my credit on XX/XX/XXXX. On that day ( XX/XX/XXXX ) I had another payment of {$620.00} scheduled for the XXXX by complete accident, assuming the higher amount ( {$650.00} ) would overwrite it. It did not and I ended up overpaying when I should've just added an additional {$30.00} to the payment. I paid off my credit with PayPal, but their system showed I was " + {$620.00} '', over the credit line. It was refunded to my bank when I called and told them that I sent that additional payment by accident, but then they tried to take it out of my bank themselves on XX/XX/XXXX. That money was never meant to go to my credit with it being fully paid off and at XXXX, and after my bank refused that attempt, they put the money onto my credit and are wanting me to pay them what they returned to me. I have not purchased anything of that amount, and it was stated that apparently the reason why they refuse to remove that invalid amount is because " it was my bank 's fault and they shouldn't have canceled it '', making it seem like I owed them {$620.00} when my credit was fully paid off ( with the single other payment of {$70.00} ). If I had known that overpaying would cause this chaotic situation, I would've never sent the {$620.00} in addition to the {$650.00}, and would've just send an additional {$30.00} instead.

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 2021-10-15 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: FL

Complaint narrative:
Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: Westlake Services, LLC
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my 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 explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I saw there were fraudulent inquiries on my credit report. I was a victim of identity theft. As soon as I got the notifications I contacted all of the companies listed in the report. I was told to reach out to the Bureaus. I Wrote an affidavit to EXPERIAN and they have not responded to me. Delete these fraudulent inquiries off of my credit profile.

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