vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2021, someone attempted to get CBNA credit in my name. I immediately contacted CITI. The representative said, " If you had not contacted us, we were going to contact you. '' The CITI representative notified all three credit bureaus. XXXX XXXX and XXXX immediately removed the fraudulent inquiry. XXXX has refused despite numerous disputes.CITI provided a fraud alert on my file with all three credit bureaus. 

Today, I spoke with XXXX supervisor XXXX XXXX, who was patronizing, uninformed, and perfectly satisfied with leaving a fraudulent hard inquiry on my account. I asked XXXX XXXX to add a consumer statement regarding this situation. As of this writing, he has not. I have filed SIX disputes since XXXX. 

I respectively ask that the CITI and XXXX immediately remove the fraudulent CBNA hard inquiry 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 non-monetary relief
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: MI

Complaint narrative:
I made a purchase all the way back on XX/XX/XXXX for {$21.00}. I returned this item on XX/XX/XXXX and received a credit for {$21.00} and also a new charge for {$21.00} on the same day. After calling Best Buy directly several times with no resolution, I tried to dispute this 21st charge on XX/XX/XXXX through Citi. They gave me a resolution on XX/XX/XXXX pointing to the credit on the XXXX. I called a few times and was told that this would be taken care of but it never was. 

Finally I got someone who seemed to understand what had happened here and she tried to reopen the original dispute but couldn't. She then opened a dispute for the original charge on XX/XX/XXXX and instructed me to go online and upload my documents showing the transactions and how this was a double charge. This was completed on XX/XX/XXXX and the resolution came back pointing to the same credit on XX/XX/XXXX. So now I have two disputes both pointing to the same credit as the resolution. 

I tried calling more and escalating it and on XX/XX/XXXX I was again told I could be credited within 3-5 business days. Then the following XXXX I see a new charge on my statement for {$21.00} and all it says is " Misapplied Credit '' and points to XX/XX/XXXX. 

I have called 3 more times since then with no resolution other than spending 30+ minutes on the phone and being told that it will all be taken care of in 3-5 business days.

I will enclose pictures and pdf 's of all these transactions and disputes as well as call logs.

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: 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: CA

Complaint narrative:
On XX/XX/2021, I 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 taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days 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 should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax 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: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2021, I 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 taken advantage of and being ignored for my disputes. Section XXXX ( a ), it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report, it has been over XXXX days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and XXXX 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: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
Account is not mine, had already resolved with another company. Now they have caused me to lose a mortgage approval, over an account that was never mine!

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: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian widely denies consumers access to consumer credit reports through the online option as the other 2 bureaus provide, and Experian agrees to also provide. For multiple years I have been prevented from obtaining my credit report online. I am only able to request a hard copy through the U.S. Mail. The US Congress has provided weekly credit reports through the 3 bureaus. It is not reasonable to write every week and send a letter every week to receive a hard copy weeks later. I have sent certified mail and received no response to any correspondence over the years. Calling Experian reaches staff that is ill equipped to resolve an issue such as this. No supervisor returns calls. No supervisor is available during these calls according to Experian staff. I am able to properly obtain my credit report online with XXXX and XXXX through the XXXX website. And Experian does in fact provide me with an electronic version of my credit report for a monthly fee that I am forced to pay to obtain my credit report without having to mail in a hard copy request and wait weeks for the 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 monetary relief
Consumer complaint received 2021-12-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: PA

Complaint narrative:
On XX/XX/21 I used FedLoan Servicing 's email portal on their website to ask a question about the status of my income-drive repayment plan. 6 days have passed with no response. I wanted to use their chat feature advertised on their website. It always says " No agents available at this time '' during their normal business hours. 

Phone : I have tried calling on 3 occasions. I missed a callback the first time. But now, pressing 1 to request a callback and reserve a place in line either ends the call immediately with no callback confirmation or it just repeats the same loop you've been on, eventually asking you again if you'd like to receive a callback later and hold your place in line.. an endless loop. 

If I can not confirm these details I will not be able to confirm the minimum payment that is on the bill when payments resume is accurate or not!

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: PA

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021.

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: CA

Complaint narrative:
On XX/XX/2021, I 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 taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days 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 should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  Data breach and may 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: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In XX/XX/2021 XXXX XXXX XXXX with account number XXXX was taken off my credit report and now has been put back on it. This company does not have this loan as it states on the credit report that it has been Transferred. The Account Status is reporting it as derogatory and this account does not even have a balance reporting on it.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/2021, I 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 taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days 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 should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
The company has not sent me any documentation whatsoever in relation to my dispute! This company is reporting incorrectly across the credit bureaus. High balance is showing incorrectly at {$0.00} and {$20000.00}, date of last activity is showing XX/XX/XXXX, XX/XX/XXXX, date of last payment. Per u.s code section 1681i ( 5 ) ( A ) treatment of inaccurate on unverifiable information. There has been no documentation and this list shows inaccurate reporting.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
XXXX XXXX, the person Shellpoint employees to manipulate facts and omissions, gave a response in complaint XXXX that is a misrepresentation of the facts and truth. 

1 ) XXXX XXXX emailed me on XX/XX/2021, after XXXX XXXX reached out to him. XXXX XXXX said that my modification approval letter would be sent to me in a few days. However, instead of a modification approval letter, I got an offer to redo my trial plan that I succcessfully completed. 

2 ) XXXX XXXX claimed that his superiors overruled the approval letter and that he could not do anything about his superiors decisions not to offer a final modification. 

3 ) XXXX XXXX claims that though XXXX XXXX is my single point of contact there are other loss mitigation people involved. XXXX XXXX merely stated the obvious, without fulfilling my request. 

4 ) Shellpoint never identified who the superiors where with the authority to override XXXX XXXX. Thus, I do not have a single point of contact. In fact, it is even worse, because an unnamed person with no accountability can harassment limitlessly without consequences. 

5 ) XXXX XXXX contradicts XXXX XXXX by alleging that they are merely offering me the modification trial that XXXX XXXX approved instead of saying that XXXX XXXX 's superiors overruled the final modification approval letter. 

6 ) XXXX XXXX omits that XXXX XXXX contacted Shellpoint on XX/XX/2021 to ascertain why I am being asked by Shellpoint, not XXXX XXXX, to redo my trial modification in XXXX of 2021. I paid the statement and asked Shellpoint in a timely matter to clarify. XXXX sent me XXXX monthly statements stating my trial plan amount was XXXX dollars less than XXXX 's offer trial modification letter. I requested a response from XXXX about the discrepancy. XXXX never responded to me until over 60 days later when they were responding in a letter to CFPB. Then, there response was one of XXXX XXXX 's vile responses that they were informing me in that letter that my modification would not be finalized because I failed to make the required trial plan payments. Yet, XXXX XXXX omitted that I paid the amount expressly stated on my monthly statements for the trial modification and that Shellpoint refused to clarify for over 60 days. I completed my previous trial modification Shellpoint has refused to respond to XXXX XXXX investigators. Yet, Shellpoint if falsely communicating to CFPB that they are following XXXX XXXX 's authority. 

Now, XXXX XXXX wants to talk to Shellpoint about their duplicity. But, Shellpoint is misrepresenting facts with all agencies and will not respond XXXX XXXX about why I am redoing a trial modification that I successfully completed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I bought a vase for {$4.00} on XXXX XXXX, with {$5.00} for shipping. I received a notification that the seller by the alleged name XXXX XXXX, canceled the order. I did not receive a refund, so I contacted XXXX on messenger. She did not make sense, so I filed a claim with XXXX, which was immediately closed. XXXX said I had not been charged. According to my BMO Harris online app, there was a pending charge on XX/XX/XXXX for {$9.00}. The next day the record of my transaction disappeared, with no refund. I called customer service and they said they had no record of the transaction from either XXXX or XXXX. Someone had managed to wipe my bank data. Iwould like. a refund of {$9.00}.

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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/2021, I 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 taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days 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 should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may 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 explanation
Consumer complaint received 2021-12-15 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: CA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party. I am the consumer, natural person and original creditor. Pursuant to 15 USC 1681b ( a ) I request the deletion of the following list of hard inquiries included as an attachment in this complaint. Pursuant to 15 USC 1681n ( a ) Experian is liable for damages due to non compliance and shall compensate me for {$1000.00} per inquiry.

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 — Account information incorrect
Company: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
I sent letters to all three credit bureaus about this collection item on XX/XX/2021, for Waypoint Resource Group. Nothing has been done about it. They all came back that it was verified. 
WAYPOINT RESOURCE GROUP The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. 

There is another account item was removed and came back on the report under another name as XXXX XXXX XXXX, formerly XXXX  XXXX XXXX XXXX. 
XXXX XXXX XXXX The company that reported the information has certified to XXXX that the information is accurate. 
XXXX XXXX XXXX XXXX Information on this item has been updated. Please review your report for the details.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
On XX/XX/2021 I received an email from Navient regarding a letter in my inbox with Navient. I reviewed the letter, and it was addressed to both me ( on the top line of the address ) and my son ( 2nd line of the address ). The letter addresses only me and by my name only, and informs me of options for making loan payments. It does not include my son 's name. 

Towards the bottom of the letter it details options for loan forgiveness and discharge. It also details if you are totally disabled to please call them. I wondered why they needed to know I was XXXX, so I called them. I called customer service XX/XX/2021 at XXXX XXXX CST and read the letter addressed to me and she told me this is a generic letter, and that I should " ignore '' this section. She informed me that this only applies to the borrower. I told her that the letter did not mention my son in the body of the letter, but simply only my name. I then told her that I felt like this was misleading. 

We have 5 loans, but will indicate only 1 loan with this complaint.

Company response to consumer: Closed with explanation