vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-18 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: FL

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 November 22, 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 2020-05-18 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: FL

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 November 22, 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 explanation
Consumer complaint received 2020-05-18 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: FL

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 November 22, 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 2020-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: NY

Complaint narrative:
On XX/XX/2020, I sent {$1000.00}, Tk. XXXX ( fee {$4.00} ) via Remitly to my visiting brother in XXXX because of their competitive rate for up to {$1000.00}. My 1st attempt to send money was cancelled because my bank decline for verification. I chatted ( chat is open for transaction is progress ) with one of their rep who asked me to reinitiate transfer again, and I sent again. This time, I verified with my bank, and it was delivered on XX/XX/2020 via Remitlys agent bank XXXX  XXXX XXXX XXXX  to my brothers bank XXXX XXXX XXXX. However, XXXX agent bank XXXX recalled the funds on XX/XX/2020 stating it is a duplicate payment. According to my brother statement there is only one payment from me on XX/XX/2020. My brother, XXXX XXXX, received another Tk. XXXX on XX/XX/2020 from another sender name XXXX XXXX. However, Remitly agent XXXX or XXXX XXXX XXXX did not explain duplicate payment from me XXXX XXXX. 
I tried to contact Remitly on XX/XX/2020 but found that their email, phone and chat is NOT AVAILABLE due to COVID-19. This was suspicious to me that email too was unavailable. I replied to an email from Remitly on XX/XX/2020, stating the situation. I got an response that email is not available. 
Now, I have no choice but to report this to authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: NJ

Complaint narrative:
XXXX XXXX keeps calling to collect about {$260.00} for service on a XXXX tablet. First of all, that tablet in question has been out of service for about 4 years. I called to remove to the account, they claimed that I could get charge for early termination. I always paid my bill from a text message and wasnt aware of still getting charge since that time for the tablet. I called to suspend my service ( 3 mobile phones ) in mid XX/XX/2020, they told me that once I moved to a new carrier, everything would taken care of automatically. Now they stated theyre unable to remove the charge for that XXXX tablet when they also confirm that they did see any data was used on it for several years. They also claimed that I would get charge an extra {$5.00} if they mail the bill to me. The new bill now is {$280.00}. 
Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
ON OR ABOUT XX/XX/2020 TRANSUNION RECEIVED A DISPUTE FROM ME PERTAINING AND UNVERIFIABLE, INACCURATE AND INCOMPLETE ITEM REPORTING IN MY CREDIT REPORT. 30 DAYS PASSED AND TRANSUNION FAILED TO RESPOND TO MY DISPUTE, IN ADDITION THEY FAILED TO PROVIDE THE INFORMATION ON FILE. PURSUANT TO SECTION 609 AS REQUIRED FAIR CREDIT REPORTING. TRANSUNUON HAS OBLIGATION MANTAIN MAXIMUM POSSIBLE ACCURACY ON MY CREDIT FILE AND HAVE FAILED TO DO SO

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 2020-05-18 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: TX

Complaint narrative:
I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX XXXX XXXX {$5600.00} XXXX  XXXX {$300.00} XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX {$4100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Incorrectly charged 11 Monthly Maintenance Fees totaling {$88.00}. Initially signed up for linked checking and savings account was not charged fees. Signed up for preferred rewards program in XXXX and did not maintain a $ XXXX  minimum balance and did not qualify for rewards points. My savings account was then charged a monthly fee. I was told my accounts would not change if i signed up for rewards points i just need to keep a minimum balance to accrue rewards points. Timeline below. 

XXXX - Opened checking and savings account. Accounts were initially linked to avoid being charged a monthly maintenance fee. 

XXXX - Walked into a Bank of America branch and was positioned to sign up for preferred rewards. I was told there would be no changes to my accounts and i would be eligible to accrue reward points if i maintained certain minimum balances. 

XXXX - I purchased a home and withdrew a large portion from my checking and savings which caused my account to fall below the rewards program minimum threshold. 

XX/XX/XXXX - Monthly maintenance fee of {$8.00} commenced. 

XX/XX/XXXX - Contacted Bank of America and they indicated they can not refund previous monthly maintenance fees because the current savings account is not eligible to be linked to my existing checking account. I was told my accounts would not change when i signed up for the rewards program and I thought my accounts were properly 'linked ' because i had ongoing to " Keep the Changed '' transfers authorized from my checking to savings.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX I made a charge {$5000.00} on my Capital One card. I made the purchase with XXXX with the understanding that if I did everything instructed of me, I was guaranteed to make at least my initial investment back totally {$76000.00}. Please see " Investment Commitment '' in attachments. Furthermore, the Investment Commitment certificate states if I have not made my money back, they will continue to work with me until I have achieved this. On XX/XX/XXXX, the FEDERAL TRADE COMMISION and UTAH DIVISION OF CONSUMER PROTECTION filed an injunction and a restraining order to cease and desist all business practices. 
Upon finding out of the business closure, I have reached out directly to the merchant resulting no answers nor resolutions. With no success reaching the merchant, I contacted Capital Ones customer service no less than 6 plus times. Each call had a holding time of at least 1 hours before speaking with anyone. The initial call was XX/XX/XXXX where I was asked to sumit a dispute request in writting. The requested letter and additional information supporting my situation was submitted via mail. I followed up with another call on XX/XX/XXXX to check on my status and spoke with XXXX. There was nothing further needed at that point. On XX/XX/XXXX, I sent back a requested form dated XX/XX/XXXX and additional supporting inforamtion via fax, email and mail. Another correspondance dated for XX/XX/XXXX came via USPS that my dispute was denied due to the previous request not meet. I find that impossible because I responded via fax, email and USPS. 
On XX/XX/XXXX, I spoke to XXXX who transferred me to supervisor XXXX. She said she was unable to assist any further because the dispute was denied. Only when I asked for it to escalated, she provided me with the escalation department 's mailing address and fax. On XX/XX/XXXX I was again denied no more than 2 days later via USPS. How is it possisle for thier escalation team to investigate and send out a denial in less than 48 hours?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
Pnc bank wont allow XXXX app to connect

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 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: WY

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am ( 120 ) days late on the DEPTEDXXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Vericred Solutions LLC
State: AL

Complaint narrative:
In the beginning of XXXX I noticed a collection on my credit from a Vericred Solutions LLC. I was not notified of this before it was placed on my credit report. On XX/XX/XXXX I mailed a letter asking for debt validation and verification. They failed to comply and send this information to me, which should result in a deletion of credit from XXXX. I have not received any letter from Vericred about this account in any form. This is against my rights and a clear violation. I figured I would write here for resolution prior to contacting my state attorney general.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 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: VA

Complaint narrative:
I filed a dispute with the credit reporting agencies reporting inaccurate information on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial dispute was sent on XX/XX/2020 and the 30 Day demand to comply was sent on 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 2020-05-18 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: WY

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am ( 120 ) days late on the DEPTEDNELNET partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-05-18 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:
An account has been re-inserted to my credit file after it was removed. The bureaus are also still reporting a public record which is out of date and inaccurate.These items are to be updated every 90 days with the courts. Trans Union as well as XXXX continue to report a bankruptcy in my previous name.

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 2020-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: DE

Complaint narrative:
Account was paid in full and fraud charges made on account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: FL

Complaint narrative:
XXXXspoke with supervisor XXXX about the interest being charged ( XXXX ) on a daily basis, in addition to the APR of XXXX. The amount of the loan was for {$600.00}. I will end up paying 3X 's as much ehich is unfair to me as a consumer. In addition, they are not sending me any transaction receipts or anything. They have been received their funds back and much more. They are robbing me as a consumer. I have tried going on their website, Amplify funding.com, yo retrieve my info but was unable to access the site.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
On XX/XX/2020 I received an email that my American Express Bluebird card was suspended permanently due to violating section 22 ( d ) this was due to a recent review of my account. I have been with Bluebird American Express for 6 years. My payroll deposit was due to show up at the same time I received the email. So Bluebird is holding around {$700.00} of my money. I attempted to call the phone number on the contact us page and there is no option to reach an agent. The automated service advised that my account was suspended and hung up. I am not sure what the violation was either.

Company response to consumer: Closed with non-monetary relief