vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I am a victim of COVID layoffs and I requested the 90 day grace extension. i was told this was granted. However they only applied it to ONE of my USAA cards, the other is now reporting past due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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 XXXX 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 2020-07-30 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 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, 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 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 response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2020, I registered for an account with TransUnion to check my credit report. They prompted me to enter my credit card information without any indication that it was a paid subscription, and I was subsequently charged {$24.00} for signing up. 

I tried calling them on the afternoon of XX/XX/2020, regarding it, and the customer service representative did not honor my request to give a full refund for the service. He claimed that the {$24.00} charge was listed on the site when I was not aware of this service. I have already since canceled my membership but am still not able to get the refund.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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: PA

Complaint narrative:
I am unable to link my PNC Virtual Wallet account to my XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Management Outsourcing, Inc.
State: GA

Complaint narrative:
Nationwide Recovery SV has 2 Medical bills listed on my credit report that do not belong to me.

Enclosed are 2 attachments with the erroneous account information. As well as a copy of my complaint that I sent to Nationwide Recovery Sv.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: NC

Complaint narrative:
I was contacted by Convergys debt collection stating I allegedly owed a debt to them and was asked to pay {$3200.00}. I told them I had never heard of them or never had any business with them. They explained they were collecting a debt for XXXX and they needed me to pay it. I contacted XXXX and I was informed they didnt have any of my information that the file had been sent to convergys in Texas. I have sent police report to XXXX in XX/XX/2020. I have repeatedly asked XXXX/Convergys through mail to validate what it is they are referencing. As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.

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 2020-07-30 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I bought airline ticket XX/XX/2020 with my american express credit card. 
Airline canceled a flight and on XX/XX/2020 i filed form with airline to give me refund for cancelled flight. 
XX/XX/XXXX i filled disputed with my american express credit card. 
It have been more then 90 days and creditor have not resolved dispute. 
The creditor must resolve the dispute within two billing cycles ( but not more than 90 days ) I have talked to XXXX id XXXX from american express but still she or he could not help me. 
Its not fair if customer is late just one day with credit card payment -there is always late fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-30 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: NV

Complaint narrative:
In XX/XX/2019 i went to see my primary doctor for annual check after visit he referred to XXXX XXXX  for XXXX XXXX  After they checked my insurance information and the referral paperwork they told me your copay is {$35.00} i did pay that amount before i took the test A few months later the lab send me a bill of {$400.00} for the XXXX XXXX I called them they stated this is your responsibility to pay i did explain to them that i been told to pay the copay only and i did They stated that I didnt even pay the Copay I fo have proof through my credit card statement that i paid. They said if you dont want to pay thats fine A few months later I get a notification from collections agency that i have to pay that amount This is not fare they didnt disclose the amount with me before the test I could get the XXXX XXXX at my work place for a cheaper price Plus I paid the copay Please i need your help to resolve this matter

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A.
State: NC

Complaint narrative:
PNC is not allowing money transfers to or from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received an inquiry on my report from Capital One which I absolutely did not agree to this needs to be corrected and removed immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In XX/XX/XXXX, I had opened a credit card with XXXX XXXX XXXX XXXX, Account # XXXX, opened on XX/XX/XXXX. The Account type on my credit report shows a revolving balance and closed account, however this is now over 7 years old, almost 8 years old, and is past the statute of the state it was opened in New  Hampshire, it is over in NY and where i currently live in SC. 

After working with XXXX XXXX over the past year, sending dispute letters and still seeing this on my credit report, I would like this removed immediately from my credit report on XXXX, XXXX and Transunion, ( all 3 major credit bureaus ). 

This is not legal, and i really appreciate your help. The current balance shows {$5900.00}, with a credit limit of {$5000.00}. 

My SSN # is XXXX DOB XX/XX/XXXX Mailing Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SC XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In XX/XX/XXXX, I had opened a credit card with XXXX XXXX XXXX XXXX, Account # XXXX, opened on XX/XX/XXXX. The Account type on my credit report shows a revolving balance and closed account, however this is now over 7 years old, almost 8 years old, and is past the statute of the state it was opened in New  Hampshire, it is over in NY and where i currently live in SC. 

After working with XXXX XXXX over the past year, sending dispute letters and still seeing this on my credit report, I would like this removed immediately from my credit report on Experian, XXXX and XXXX, ( all 3 major credit bureaus ). 

This is not legal, and i really appreciate your help. The current balance shows {$5900.00}, with a credit limit of {$5000.00}. 

My SSN # is XXXX DOB XX/XX/XXXX Mailing Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SC XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
On XX/XX/2020 I submitted a dispute letter to TransUnion, XXXX, and XXXX. about some inquires and personal information on my correct report and I haven't received an answer as it is not the XX/XX/2020.

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 2020-07-30 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: SC

Complaint narrative:
On XX/XX/2020 I submitted a dispute letter to XX/XX/XXXX, XX/XX/XXXX, and Experian. about some inquires and personal information on my correct report and I haven't received an answer as it is not the XX/XX/2020.

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 2020-07-30 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: NV

Complaint narrative:
EXPERIAN ; to whom recently tried to throw out my reinvestigation to an existing issue, Your full of XXXX and you'll be held accountable! I'm not going away with no lame excuse like that. Yall have a job to do! Investigate this matter thoroughly, figure out why their are fraudulent items still reporting on my credit report, i've listed them all on my ftc i.d theft affadavit and the extra sheet identifying each fraud item, YOU HAVE TO BLOCK THESE NOW. THEY ARE NOT VERIFIABLE OR VALID OR ANYTHING OF THAT NATURE, ITS IMPOSSIBLE AS THESE WEREN'T CONSENSUAL. DO YOUR JOB, YOUR NOT DEALING WITH A XXXX   HERE. NOW GO AHEAD AND TRY ESCAPING ANOTHER INVESTIGATION WITH YOUR LAME EXCUSES AND SEE WHO'S HANDS I PUT THESE PAPER TRAILS IN. 

I WENT AND GOT A NOTARY FOR PROOF IT IS ME DIRECTING THIS DISPUTE AND INVESTIGATION THAT YALL MUST NOW HANDLE! 

I AM ALSO PREPARING FOR A LENGTHY LITIGATION WITH A MASSIVE PAPER TRAIL INCASE YALL STILL DISHONOR THE LAWS IN INVESTIGATING ALLEGED FRAUD ITEMS. 
FCRA 605B LAW

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 2020-07-30 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: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/2020 I submitted a dispute letter to XXXX, Equifax, and XXXX. about some inquires and personal information on my correct report and I haven't received an answer as it is not the XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP
State: CA

Complaint narrative:
Letter dated XX/XX/20 denied credit. They can move credit limit over from existing cards I have with them, but they refused. Reference #  XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a which was highly embarrassing and has negatively impacted my lifestyle.

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 2020-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: MS

Complaint narrative:
This is not my debt Shows on my credit file but i did not have an account with AFNI that keeps calling

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HANCOCK WHITNEY BANK
State: LA

Complaint narrative:
I received a Sba grant and the branch officer wouldnt let me access my account making me wait at the branch about an hour and a half and my fianc asked her to hurry up because it was hot and my vehicle and the officer said that she would make it that I wont be able to access my account and money so I called her supervisor numerous times and they were telling me that my money is in the account and that its nothing that the bank officer can do about closing the account or even accessing the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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 — Problem with personal statement of dispute
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
1 ) I submitted a dispute with TD bank and indicated I had both Audio and a transcript of the audio with them that shows they did not have a correct email address for me.

2 ) Because I was enrolled in electronic statments, notifications emails " bounced back '' when they tried to contact me.

3 ) I submitted a disupte and asked for a way to submit both the audio and the transcript to prove the point.

4 ) TD bank did not respond and instead just rejected my dispute. 

I have attached all document and the audio related tot he dispute. This resulted in a 30,60,90 and 120 day late on my account and this is extremely derogatory for my credit report. TD bank did not try to resolve the issue with me and they should have that responsiblity if they want to be allowed in consumer banking. You will find TD bank provides no email address nor method to provide files related to disuputes and they should.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have had my American Express Platinum card since XX/XX/XXXX. I never made a late payment. 
IN XX/XX/XXXX, I encountered fraud in my account. I called American Express to dispute two charges and was told I wasn't responsible for the balance that is being disputed, In XX/XX/XXXX, American Express closed my account. I called American Express Platinum customer service and they directed me to an office in Arizona, I was told to pay the balance that I disputed ( even though I was told not to, as they were investigating the fraudulent charges ) and they would reinstate my account, as they made an error. So I subsequently paid the {$1900.00} disputed balance in full ( even though I didn't make the charges ) so that I can have the card reinstated. American Express did not re-open my account and I was never credited for the fraudulent charges. I have called and sent them letters to re-open my account as I had points I never used, and I am still not credited for the fraudulent charges that I ended up paying for in addition to late fees that I was charged. Since I had the account since XX/XX/XXXX with excellent payment history, by closing this account with such a long history my credit score subsequently went down by 30 points in one day! And American Express Platinum also reported me 60 days late and charged me with two late fees, that also made my credit score decrease! Derogatory items stay on your credit for 10 years. Now my credit score is XXXX to XXXX for all three credit bureaus.

Company response to consumer: Closed with explanation