vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-15 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: FL

Complaint narrative:
Had purchased a ticket on XXXX on XXXX XXXX from XXXX to lasvags on XX/XX/XXXX. that is the weekend that XXXX canceled thousands of flights. They changed my flight route on XXXX from a route via XXXX to a XXXX XXXX XXXX. the flight out of XXXX was delayed XXXX hours. before we even took off from XXXX XXXX had canceled the flight from XXXX to XXXX XXXX due to staffing reasons. which per federal regulations means i am due a full refund plus compensation. XXXX flew to XXXX and then back to XXXX the same day as they said they could not get to XXXX XXXX until XXXX at the earliest but that i would miss my flight home if i went that route. since they could not find me a hotel room in XXXX i went home. I spoke with a XXXX XXXX in XXXX customer support she promissed me a full refund and gave me a {$300.00} flight credits for my agravation. when i pressed her on th fact that i had non refundable rooms rented in XXXX she issued another {$200.00} credit and promised me a full and complete refund on my credit card charges for this flight and said it would take XXXX weeks for the credit to post back to my credit card. 

XXXX is now denying me the credit saying that they flew me part way and are entitled to this money and Citi Bank is agreeing with them and refusing to issue the refund. I have attached the emails from XXXX promising me a full refund as well as there XXXX reason for not giving me back my 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 2021-12-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC
State: NY

Complaint narrative:
This company doesnt want to work with ous they are laying we told them that we are trying to refinance the mortgage and they gave me a letter till the XX/XX/2021 and they lied because the mortgage company that we are trying to refinance with they said that they filled a prefourclosure .I even head a attorney try to do a modification with them they will not do it they put ous to XXXX and we lost my mother because off them please help ous I am filling a attorney general complaint against them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
On XXXX XXXX I sent a letter regarding an accurate and unknown thing on my credit report to this day over XXXX  days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report it's been XXXX days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-15 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
On XXXX XXXX I sent a letter regarding an accurate and unknown thing on my credit report to this day over XXXX days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report it's been XXXX days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-15 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
On XX/XX/2021 my XXXX bill was paid off. 
I got a letter from XXXX saying the balance was paid in full and they would report this to all credit reporting bureaus, but on XX/XX/XXXX of 2021 XXXX had supposedly reported to equifax that it was still a bad debt and was not paid according to equifax and because of this my score went down another XXXX points. I then called XXXX customer service that day and they said they would take care of it. I checked my score on XX/XX/XXXX and equifax was now reporting that balance had decreased and was paid in full but under derogatory remarks it was still reading as charge off/bad debt. I called equifax to dispute this and asked how something can be paid in full but be charged off as a bad debt and read a XXXX balance.They continued to blame this on XXXX reporting but my other XXXX credit reports have it reported correctly with no problems. I called again on XX/XX/XXXX because my score continued to drop another XXXX points because of this same issue and the only changes on my report were both positive. The XXXX derogatory remark was now removed but when I called equifax they are claiming although it was removed it is still being reported as a charge off bad debt. XXXX is denying this but equifax is insisting its XXXX  doing the bad reporting. I even sent a copy of the letter that it was paid in full to equifax on multiple occasions but they still refuse to fix the mistake and they continue to lower my score. Equifax even talked me into recently joining their credit repair/monitoring service and I just gave in and joined in hopes that if Im a paying customer maybe they will fix their mistakes but so far this has been to no avail. 
I have XXXX derogatory remarks a 100 % payment history and nothing bad on my report and my score should reflect that. Ive been so frustrated and I feel helpless that not only have they done nothing to help but everything has gotten worse. The people that own the house Ive been renting sold the house and Ive been unable to secure a new place because of equifax. I have done everything in my power that I am supposed to do to improve the situation and so far it has backfired on me! My score now is worse than when I owed!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC
State: UT

Complaint narrative:
West lake financial calls up to 7 times a day everyday after 24 hours past due date of payment

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 2021-12-15 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. Section 605B, it is plainly stated that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than XXXX  days. I demand these account be deleted immediately or I will file for litigation due to the stress you cause me. My information was impacted by the XXXX data breach and have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-15 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. Section 605B, it is plainly stated that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 days. I demand these account be deleted immediately or I will file for litigation due to the stress you cause me. My information was impacted by the equifax data breach and have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Hey for reasons unknown you all are saying my grievance isn't me. Here I am again battling to get my objection heard because of my freedoms being broken. It's been over 30 days since I haven't heard a single thing from the credit agencies. I have unapproved credit accounts on my credit report that are false

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Hey for reasons unknown you all are saying my grievance isn't me. Here I am again battling to get my objection heard because of my freedoms being broken. It's been over 30 days since I haven't heard a single thing from the credit agencies. I have unapproved credit accounts on my credit report that are false

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-15 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Hey for reasons unknown you all are saying my grievance isn't me. Here I am again battling to get my objection heard because of my freedoms being broken. It's been over 30 days since I haven't heard a single thing from the credit agencies. I have unapproved credit accounts on my credit report that are false

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 2021-12-15 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hi my name is XXXX XXXX XXXX XXXX. I am filing this complaint for my self and it is NOT a duplicate complaint. 

Experian has been inaccurately reporting an account with XXXX XXXX XXXX XXXX. Transactions and Experiences should not be reported without my written consent. Furthermore Experian failed to correct the inaccurate information or delete the account per a previous dispute. 

The XXXX XXXX XXXX XXXX account is reporting a charge off in XXXX of 2018 and a repossession in XXXX of 2018. This reporting is inaccurate. There were payments made in between XXXX and XXXX that have not been reflected on my consumer report. Instead adverse information was placed on my report which has caused me damage.

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 2021-12-15 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: NE

Complaint narrative:
I placed placed a security freeze on my Equifax credit report on XXXX ending on XXXX. " FILE FROZEN DUE TO FEDERAL LEGISLATION. '' Although a credit freeze had been placed on my account : XXXX inquiries are listed on my Equifax credit file that I did not authorize. They are listed below XXXX. XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX VA XXXX XXXX XXXX XXXX 2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX, XXXX XXXX. 

Equifax is in clear violation of FCRA 604, under permissible purposes of credit files. They are legally obligated to furnish permissible proof of the authorization of creditors to view consumer 's credit file, when consumer requests such documentation. I have requested this information two times. 
Equifax Information Services LLC is in direct violation of FCRA law by not deleting these inquiries from my credit profile. 

Please see the following documents that I have attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: UT

Complaint narrative:
My card was paid in full and on autopay also not being used, I was charged XXXX late fees for {$40.00} which were reversed but they hit me for 30 and 60 day lates. I was not notified or had any communication from Barclays until after the late fees were charged, and was told it was a system error. My credit now shows the late payments which has affected my ability to refinance my home. I would like this removed from my credit report as I have no prior history of default or being late on any recurring credit lines.

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 2021-12-15 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have not been trying to this dispute these items multiple times and been reaching out to all three bureaus and nobody has contacted me about why these items on my report are still here its been 60 days and nothing I need it to be removed I am trying buy a house and this has been affecting me tremendously

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 2021-12-15 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: NE

Complaint narrative:
I placed placed a security freeze on my Equifax credit report on XXXX ending on XXXX. " FILE FROZEN DUE TO FEDERAL LEGISLATION. '' Although a credit freeze had been placed on my account : Two inquiries are listed on my Equifax credit file that I did not authorize. They are listed below XXXX. XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX VA XXXX XXXX XXXX XXXX 2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX, XXXX XXXX. 

Equifax is in clear violation of FCRA 604, under permissible purposes of credit files. They are legally obligated to furnish permissible proof of the authorization of creditors to view consumer 's credit file, when consumer requests such documentation. I have requested this information two times. 
Equifax Information Services LLC is in direct violation of FCRA law by not deleting these inquiries from my credit profile. 

Please see the following documents that I have attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 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: SC

Complaint narrative:
I tried reaching out to this bureau several times about accounts that are reporting on my credit that DO NOT belong to me! this information is fraudulent and i want it removed from 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 non-monetary relief
Consumer complaint received 2021-12-15 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I tried reaching out to this bureau several times about accounts that are reporting on my credit that DO NOT belong to me! this information is fraudulent and i want it removed from 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 non-monetary relief
Consumer complaint received 2021-12-15 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 30 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 30 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 2021-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I received a letter in XXXX of 2017 from the California State Controller informing me that I had an unclaimed balance of {$1600.00} in escrow funds from a mortgage that I paid off in XX/XX/2017 on a property in California. I contacted PHH mortgage and was eventually able to get them to send a check for this amount to me. I did not receive the check, and when I called was eventually told that it had been sent to the mortgaged property address, where I do not currently live. I had originally included my current address in my request. I have since contacted the company repeatedly and unsuccessfully by phone and email to try to get another check sent to me at my current address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
On XX/XX/XXXX I sent a letter to Navy Federal to which they received it on XX/XX/XXXX asking for validation of the account. 

Navy federal failed to respond appropriately to the dispute and even went as far as to take money out of the account, which I had no knowledge of, even though the dispute stated that all collection shall cease until this gets resolved. 

Due to them taking the money out of the account in the amount of {$10.00}, Navy Federal Re-aged the alleged debt on my credit report which dropped my score significantly by XXXX points. This is a violation of the Fair Debt Collection practices Act. 15 USC 1692e ( 2 ) ( a ), see -- -- XXXX XXXX XXXX XXXX ( 2005 ) On XX/XX/XXXX Navy Federal Sent me an Email, That's it an Email, They failed to send me the things I asked for according to the Debt Validation. 

so on the XX/XX/XXXX and they received it on XX/XX/XXXX. I sent them a Notice of fault and opportunity to cure to which I gave them notice that if they didn't respond is an administrative judgement. 

Navy Federal has failed to do a proper investigation and I feel very violated as an consumer and the original creditor, because I even stated in the letter that banks can't lend money and Because Navy federal won't give me within the time allotted, I will be seeking litigation for damages. 

This has caused me XXXX and Anxiety due to them not complying and Violating my rights under the Fair debt collection practices act and the Fair credit reporting act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation