vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-11 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: TX

Complaint narrative:
Purchase of a personal computer component ( graphics card ) in the amount of {$100.00} USD was made from an online vendor ( which turned out to be fraudulent ) on XX/XX/2020 using the Citi credit card that is the subject of this complaint. No further communication was received from the vendor ( including no order updates or shipping information ) despite several emails requesting information. No delivery was made to my address. The credit card was charged through XXXX and the initial dispute was filed with XXXX but XXXX deferred to Citi in XX/XX/2020. The vendor claimed in response to the dispute that delivery of the package was confirmed and provided a tracking number. I took this tracking number to the customer service department of the carrier and they provided me with documentation that the tracking number was not related to my name or address, and I forwarded this information to Citi early in the month of XX/XX/2020, and I was told that the rest of the dispute would be resolved after that ( see attached document ). Months later I called to check on the status of the dispute and a representative told me that the dispute was closed because I did not respond to a letter they sent me ( which I never received either in electronic or physical form ), even though I had already submitted all relevant information in XXXX and they were not asking for any new information. In summary, I provided timely proof that the disputed transaction was fraudulent and Citi is denying fraud protection.

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 2020-12-11 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: CAINE & WEINER COMPANY, INC.
State: WA

Complaint narrative:
On XXXX XXXX, 2020, CAINE & WEINER add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CAINE & WEINER has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc.
State: CO

Complaint narrative:
closing disclosure indicated loan would fund on XXXX. Per my conversation with the lender, Better Mortgage this morning XX/XX/XXXX, the loan did fund on XX/XX/XXXX. As part of the loan package we reviewed the documents detailing how a refund would be processed. This page indicates the check " ... will be sent via 2-3 day express, ... '' 3 days ( business ) after XXXX is XXXX, it is XX/XX/XXXX and we have not received our refund of approximately {$1900.00}. A call to the settlement agent, XXXX XXXX XXXX ( an affiliate of Better Mortgage ) this morning, XX/XX/XXXX, yielded immediate hold music with no answer or even automated message indicating how long i would be on hold. After about 15 minutes, i hung up and called the mortgage company, Better Mortgage, the woman on the phone indicated that the settlement company was separate and that she would try to call. I expressed my frustration and indicated my intention to file a complaint with the CFPB. I was requested to wait till the end of the day, however i don't feel, that after waiting two days post the agreed upon date, that i should wait yet another day to have this resolved. A final call before clicking submit on this form got me to a voicemail. The Mortgage company called me back and provded tracking information, this tracking indicates a label was created on XXXX. No other updates have been provided. My assumption is that someone didn't do their job and now its my problem to figure out how to come up with the {$1900.00} that i had expected days ago. The mortgage company representative also indicated that the settlement agent said there was a 3day waiting period from the date of disbursement. My understanding of the laws surrounding rescission of a refinance transaction applies only to the time period after close ( XX/XX/XXXX ). So at this point I feel like i was lied to by the settlement agent ( through the conversation with the mortgage company. )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TekCollect Inc.
State: IL

Complaint narrative:
Upon checking my credit I noticed that this collection had been added to my report! I have never heard of this debt collector. I have not been contacted or notified of any debt that has been listed with this company. They sent me no correspondence advising that they own the debt, who the creditor was nor advised of my option to dispute the debt. I called the company 8 times within the last 60 days. ( Calls were recorded )! To find out more information and to dispute the account. I was transferred amongst departments, no information was given. They attempted to fraudulently ask other questions not pertaining to the debt like if I'd moved in the last 12 months, what my previous phone numbers were, if I'd used any other name variations besides my actual name, if I've married or divorced any aliases I might have used and other unprofessional questions rather than just to advise me what the debt was for. I felt insulted and harassed. The Fair Debt Collection Practices Act states that a debt collector must send the consumer a written notice containing the amount of the debt, name of the creditor and a statement stating they have 30 days to dispute the validity of the debt or the debt will be considered valid by the debt collector. Failure by the consumer to dispute the debt within that 30-day time period is not considered an admission of liability. If the agency doesn't follow this process then they have no rights or grounds to collect or report the debt to any credit bureaus and must immediately remove the debt from the consumers credit report. The company didn't contact me within 30 days of assuming the debt and has therefore violated my rights so this needs to be removed from all 3 credit bureaus! I do NOT give the company permission to contact me via telephone, an employer, email or any other means except by US Mail. I have never done business with a company called TEK-COLLECT nor have I ever signed a contract with them so this debt is fraudulent and frivolous. It needs to be deleted effectively immediately with all major credit bureaus. No collection agency can report past due balances, dates of past due balances or payment history. This company has violated several FCRA regulations. Delete immediately or I will contact my attorney to proceed with legal action. This account does not belong to me! I have no idea who this company is. Delete any and all of my contact information effective immediately. DO NOT ATTEMPT TO EMAIL ME! DO NOT ATTEMPT TO CALL ME! DO NOT ATTEMPT TO CALL RELATIVES! DO NOT ATTEMPT TO REACH AN EMPLOYER! SEND ALL CORRESPONDENCE AND PROOF OF DELETION TO MY MAILING ADDRESS ONLY! DO NOT ATTEMPT TO CONTACT ME OR ANY OF MY FAMILY MEMBERS VIA TELEPHONE, EMAIL OR EMPLOYER!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Turner Acceptance Corp.
State: IL

Complaint narrative:
This company has delayed posting of payments since the account was originally opened. Failed to apply payments to the account immediately upon receipt. Held payments beyond receive date. Failed to correct and update payment history. Charged extra interest and late fees that should not have been accrued. Requested a breakdown of daily interest, daily per dium and payment history and was hung up on. The remaining balance is incorrect. This company has been called more than 30 times to request these issues get resolved. They refuse to assist. They refuse to resolve these issues! They refuse to credit the account appropriately. All calls made to the company have been recorded for quality assurance purposes. I am requesting that this loan is updated to all major credit agencies as closed, paid in full, never late. I am requesting that the vehicle title is mailed to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I found out account in credit report which does not below to me. 
Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. The following items need immediate attention : XXXX XXXX Account # XXXX Date Opened XX/XX/2019 I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

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 2020-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: AR

Complaint narrative:
For several months, I have attempted to cancel PMI on my single-family residential mortgage with Round Point Mortgage. I have twice been misinformed by RPM personnel regarding the requirements, and today was informed of the denial. 

Because of the ongoing financial challenges and uncertainties due to the COVID-19 pandemic, I was in the RPM mortgage forbearance plan since the Spring. However, I was able to use my pandemic unemployment and other means to keep my mortgage payments generally current since that time. When RPM offered the plan to me, I was told by that customer service agent " no reporting '' - which to me means for ALL credit reporting agencies. I was NOT told that any 30 day late payments would subsequently jeopardize my loan payment history with " the investor '' ; i.e., XXXX XXXX. That was a booby trap setup by RPM. 

Notwithstanding the practical challenges of the surviving the pandemic, I made economic choices of balancing payments - mortgage vs credit card balances? - based on the information RPM stated to me regarding their forbearance plan. In addition to keep my mortgage generally current, I knew that I needed to also reduce credit card balances to be able to keep my credit score ( s ) high enough for a successful refinance. I should now be able to reduce the APR by almost half. 

I was told during a telephone conversation with an RPM customer service agent on XX/XX/XXXX that by making an additional mortgage payment ( for XXXX ), bringing the account current ; and, by getting off of the RPM forbearance plan, I would be able to have PMI cancelled. I had already made the XXXX payment on XX/XX/XXXX. I submitted the required documentation / request as instructed by the XXXX agent, and was told to expect an appraisal soon. My home 's value has increased significantly, so the loan balance -to- appraised value is well below the 80 % threshold, which the agent agreed with based on our views of it on XXXX. 

Despite this assurances and information provided BY RPM PERSONNEL, I was forwarded the denial letter today as part of a telephone discussion with an RPM " Customer Advocate Specialist ''. 

The bottom line is that RPM set me up to allow themselves and/or their " investor '', XXXX XXXX, to improperly continue to collect about {$170.00} per month in PMI, despite the fact that I've qualified for PMI cancellation for many months.

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 2020-12-11 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: CL Holdings LLC
State: WA

Complaint narrative:
On XX/XX/2020, JEFFERSON CAPITAL SYST add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA JEFFERSON CAPITAL SYST has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
This company keeps harassing me telling me my credit will suffer and nobody will lend any money when i need it. They also keep telling me ill regret not paying them. They call and call and call all day and night they dont leave me alone and ive tried to dispute this with XXXX  and i dont think they take me serious ... they need to be dealt with i believe because they side with the company as if they know the details of the harassment!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: AL

Complaint narrative:
I requested that this company validate the debt by asking for certain documents including the following ... agreement with the original creditor that authorizes you to collect on this alleged debt the original contract bearing my signature stating that I have agreed to assume the debt, the debt agreement stating the amount of the debt and interest charges, the complete payment history on this account along with an accounting record of all additional charges being assessed, proof that the company is licensed to collect in my state, which is Alabama and the license number and Registered Agent for my state, which is Alabama. I did not receive documents that validates this debt. In addition, the company is reporting this account differently with all three credit bureaus, which I disputed, and the company verified. Different information with three different companies can not all be accurate, so it is very clear that the company verified inaccurate information.

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 2020-12-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: KY

Complaint narrative:
on XX/XX/XXXX I received a e-mail from National Recovery Agency about a bill In the amount of {$47.00} their ID is XXXX ( copy from the e-mail NRA ID:XXXX Statement Date:XX/XX/XXXX Total Due : {$47.00} ) I replied to their email ( copy of what I e-mailed back ) ( To Whom it May concern : My wife nor I have never ordered anything from The XXXX XXXX XXXX. What i think this is, probably is a bill for My late Father XXXX XXXX. Please provide me with a copy of the original bill so that I can verify That this is the case. I need to see when the order was placed, and where it was shipped to. If this is truly My late fathers bill I will provide you with a death certificate and other important Information.

I was appointed the administrator of his estate and I had his mail forwarded to my address. 

They never responded to my request. Then on XXXX they sent another collection notice. 

More than likely this is a real old bill of my late mothers who passed away in XX/XX/XXXX, My dad passed away in XX/XX/XXXX. The Court ordered that dads estate to be settled and the closed the file and all money was paid out to all known creditors in XX/XX/XXXX.. According to the estate attorney any bill that came in after the date of discharge were void and not collectable. 
With my Dad and I having similar names I have had other problems with this issue of his bills being put on my credit report. I also have mailed them another letter. attached is the first e-mails, the 2nd e-mail and the current letter. 
Thank you for your help.

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 2020-12-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I represent XXXX XXXX, who is currently in litigation with the US treasury. We have sent multiple cease and desist letters and told Nelnet to stop contacting XXXX while we prepare a complaint against them for a host of consumer protection violations. They began calling again on XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc.
State: AL

Complaint narrative:
So let me make sure that I understand. Despite writing XXXX on XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX ( and showing proof of delivery by fax ) it wasn't until I filed a CFPB complaint that they SELECTIVELY responded and denied ever having received any one of the previous 4 letters sent to them ... hmmm. My request was SPECIFIC and based on everything I've been able to research on UCC requirements for lawful repossession. So today I sent them another letter - I WANT ALL OF THE DOCUMENTES REQUESTED - especially proof that I was properly notified of the intent to repo the vehicle because I don't recall ever receiving a USPS notification or signing for such a letter. Once again today 's letter has been faxed ( proof attached ) and I've also contacted Santander since XXXX sent documents with their letterhead.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 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: CO

Complaint narrative:
I found out account in credit report which does not below to me. 
Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. The following items need immediate attention : XXXX XXXX Account # XXXX Date Opened XX/XX/2019 I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

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 2020-12-11 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: CO

Complaint narrative:
I found out account in credit report which does not below to me. 
Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. The following items need immediate attention : XXXX XXXX Account # XXXX Date Opened XX/XX/2019 I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

Company response to consumer: Closed with explanation