vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The unauthorized account was removed from my credit report. XXXX XXXX XXXX reduced the account by XXXX, added a fraudulent address to my credit report, and added it back to my credit file. Equifax allowed this to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 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: Navient Solutions, LLC.
State: AZ

Complaint narrative:
Navient will not let me pay off my loan. I have plenty of money in my account and they keep reversing my payments. As you can see below this has been happening for a while. I have continually emailed them and they will not fix this. Please let me know what to do. 

Sincerely, XXXX XXXX XXXX XX/XX/2020 Payment Reversal {$5300.00} {$0.00} {$0.00} {$5300.00} XX/XX/2020 Payment - {$5300.00} {$0.00} {$0.00} - {$5300.00} XX/XX/2020 Payment Reversal {$6500.00} {$0.00} {$0.00} {$6500.00} XX/XX/2020 Payment - {$6500.00} {$0.00} {$0.00} - {$6500.00} XX/XX/2020 Payment Reversal {$6900.00} {$0.00} {$0.00} {$6900.00} XX/XX/2020 Payment - {$6900.00} {$0.00} {$0.00} - {$6900.00} XX/XX/2020 Payment Reversal {$13000.00} {$0.00} {$0.00} {$13000.00} XX/XX/2020 Payment - {$13000.00} {$0.00} {$0.00} - {$13000.00} XX/XX/2020 Payment - {$27000.00} {$0.00} {$0.00} - {$27000.00} XX/XX/2020 Payment Reversal {$15000.00} {$0.00} {$0.00} {$15000.00} XX/XX/2020 Payment - {$15000.00} {$0.00} {$0.00} - {$15000.00} XX/XX/2020 Payment Reversal {$11000.00} {$0.00} {$0.00} {$11000.00} XX/XX/2020 Payment - {$11000.00} {$0.00} {$0.00} - {$11000.00} XX/XX/2020 Payment Reversal {$20000.00} {$0.00} {$0.00} {$20000.00} XX/XX/2020 Payment - {$20000.00} {$0.00} {$0.00} - {$20000.00} XX/XX/2020 Payment Reversal {$47000.00} {$0.00} {$0.00} {$47000.00} XX/XX/2020 Payment - {$47000.00} {$0.00} {$0.00} - {$47000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
The unauthorized account was removed from my credit report. National Credit Systems reduced the account by XXXX, added a fraudulent address to my credit report, and added it back to my credit file. XXXX  allowed this to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 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: NY

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank 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 explanation
Consumer complaint received 2020-07-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank 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 2020-07-04 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: EQUIFAX, INC.
State: NY

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the XXXX XXXX XXXX XXXX  Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, Credit Karma and Credit Sesame, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 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: GA

Complaint narrative:
These are not my accounts, nor did I authorize these companies to pull my credit. Please remove them.

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 2020-07-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TN

Complaint narrative:
Credence resource management is on my credit report. I dont owe them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-04 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: GA

Complaint narrative:
These are not my accounts, nor did I authorize these companies to pull my credit. Please remove them.

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 2020-07-04 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: GA

Complaint narrative:
These are not my accounts, nor did I authorize these companies to pull my credit. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Vendor : XXXX XXXX XXXX : Barclays VISA Uber   Credit Card Transaction Date : XX/XX/XXXX Amount : {$790.00} Planned date of travel : XX/XX/XXXX Panning date of return : XX/XX/XXXX XX/XX/XXXX - Initiated email contact with XXXX  for initial refund, but no response from 2 people due to the COVID-19 pandemic. 

Called XXXX XXXX and confirmed that the flight has been cancelled. 

XX/XX/XXXX - XX/XX/XXXX - Called Barclays VISA Uber credit card customer customer support regarding this dispute and only gave a conditional refund. 

XX/XX/XXXX - XXXX did a rebill and appeared back on the customer credit card. 

XX/XX/XXXX - Called Barclays regarding the transaction and wanted to resolve it but they are refusing email communication and only letters/fax for evidence of cancellation. 

XX/XX/XXXX - XXXX stated that they are not responsible for our refund and that we need to contact the bank - but stated we should receive a refund from XXXX which was very confusing. Called Barclays bank but never picked up ( assumed due to holiday ).

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 2020-07-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation
State: SC

Complaint narrative:
Laid off due to COVID 19. Company refused to work with me and reposessed my vehicle in the middle of a pandemic. Unacceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 00:00:00
Product: Checking or savings account — 
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XX/XX/XXXX of XXXX I've contacted CitiBank regarding an old account that I had no knowledge of it and now showing on my credit report and drop my credit score by 68 points during the process of getting a mortgage loan. Since there is an urgency I just wanted to pay it off/ settled, so they directed me to XXXX XXXX XXXX XXXX who was handling the account for CitiBank . 

The Balance was {$2300.00} and they agreed on accepting {$1500.00} as settlement in full if paid on that day XX/XX/2020. Attached is the settlement letter they emailed me and how to make the payment and that once paid they will let CitiBank know so that they can report to all credit bureau as paid. I made the payment of {$1500.00} the same day ( Confirmation screenshot attached ) as agreed. On XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX ( Attached letter ) thanking for accepting the settlement of {$1500.00} in full however it was still showing a balance of {$830.00} which was the difference from the total balance. This should had said {$0.00}. 

On XX/XX/2020 CitiBank reported the balance to XXXX as {$830.00} instead of paid in full. This is NOT what was agreed upon and have all the proof. As a result our mortgage approval is on hold until this gets cleared up as paid on all 3 credit bureaus.

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 2020-07-04 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: CO

Complaint narrative:
I have the Experian app, and I keep getting emails saying get your free credit report, and EVERYTIME I try to log in and ask for it the app says that I need to log in and EVERYTIME I do it repeats this process. I also called Experian about this and also their automated phone is faulty too. And I cant get a hold of a person either. All I want is my free credit report, is that hard to ask?

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 2020-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Social Finance, Inc.
State: TX

Complaint narrative:
Executive Summary : SoFi unilaterially cancelled my debit card, after changing from Visa to Mastercard. After promising to provide a replacement, SoFi has failed, after four months and six requests via telephone, to provide a replacement card. 

Early in XXXX, SoFi informed me that it was changing from Visa to  Mastercard for SoFi debit cards, would be cancelling my SoFi Visa debit card, and sending me a SoFi Mastercard debit card to replace it. From memory, the Visa debit card was cancelled at the end of XXXX, XXXX. When SoFi cancelled the Visa card, I had not received the Mastercard replacement. As of today, XX/XX/XXXX, I have made six phone calls to SoFi customer service inquiring about the replacement. The next-to-last call, on XX/XX/XXXX, the representative informed me that although I had updated my address ( I moved from XXXX XXXX to XXXX XXXX at the end of XX/XX/XXXX, at which time I change changed my address using the SoFi app ), SoFi was still sending cards to my former address in XXXX   XXXX. After a phone call today, I have spent 3.1 hours addressing the situation. For a sixth time today, a telephone representative of SoFi promised to send my a new debit card to my XXXX address. As I have no confidence in SoFi 's competence to complete this task, I am escalating my complaint to the CFPB. In addition to demanding my card, I demand compensation of {$620.00} for the time I have spent addressing the issue. ( {$200.00} x 3.1 hours )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
Trying to link mobile app to bank account and being unable to do so. I previously spoke to a rep. I want to be able to access my money, transfer, and pay bills, ect. This has been going on for a week. 

PNC Bank to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I did not authorize a auto credit inquiry on my XXXX account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: DISCOVER BANK
State: MI

Complaint narrative:
See this card has the wrong address on it please dont send them a card in my name my wallet was lost so my ss an id is out there

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 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: Credit Bureau of Council Bluffs, Inc DBA Credit Information Systems
State: UT

Complaint narrative:
I noticed several hard inquires on my credit report that I do not recognize. The list is as followed : Inquiry from XX/XX/XXXX : Institution Information Credit Info XXXX  XXXX, IA XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX : Institution Information Credit Info XXXX XXXX, IA XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX : Institution Information XXXX/XXXX  XXXX, VA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capitol One added a Hard Inquiry on my report that I did not authorize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I recently paid off my full balance on my credit card only to have Comniety Bank lower my credit limit from XXXX to XXXX. I called to inquire and I was told that this was because I asked for 2 billing cycles pause payments due to Covid-19. I explained that I believed this was done wrongfully because this was part of the cares act. They then quickly changed it and said it was the banks decision based on my credit. I explained that I had done with a few of my credit card but then decided to pay with some cash I had. The women on the phone then told me she could deposit an increase. I declined and decided to close my account. I feel they are not doing things correctly and this warrants a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
There was a late payment marked on my report several months ago. It was late due to being a XXXX  dealing with XXXX. I requested it be removed, but it has not been.

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 2020-07-04 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: MI

Complaint narrative:
There was a late payment marked on my report several months ago. It was late due to being a XXXX  dealing with XXXX. I requested it be removed, but it has not been.

Company response to consumer: Closed with explanation