vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc.
State: CA

Complaint narrative:
I would like Better Mortgage to be investigated for potential fraud, and at a minimum gross mishandling of a refinance. A variety of issues are at play here. 

The company provided me with a loan estimate on XX/XX/XXXX and offered a rate lock so long as I completed the initial steps. However, that rate lock was not offered to me, and Better raised the points necessary for that rate by the time they offered the rate lock, thus preventing me from locking the initial terms offered.

An underwriting agent with Better contacted my home insurance company without my knowledge and demanded that they change the address of my policy. I only found out about this and stopped it because the insurance company reached out to me. 

At closing signing, the completed paperwork was returned to me as the notary had not been provided with a shipping label. This paperwork had been opened by an unknown party and returned to my doorstep through XXXX. 

Furthermore, the terms of my loan changed nearly ten times during the underwriting and closing, including after wiring the funds to close the loan. I was asked to pay further closing costs after signing and wiring funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 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: DISCOVER BANK
State: TX

Complaint narrative:
DIscover revoked my account though my payments were on time. They said they saw something on my credit report and decided to close my account. In addition to revoking the account which they agreed had an outstanding payment history, they reduced my credit limit on my credit reports to the balance owed. This lowers my credit limit to debt ratio which further hurt my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 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: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
XX/XX/2020 I disputed a charge to my Goldman Sachs Apple Card. The charge was from a company called XXXX through XXXX that was made XX/XX/2020 for {$190.00}. My dispute was/is as follows : Utilizing the XXXX website I purchased a part for my clothes dryer. I entered the model and serial # on the XXXX website and they sent me a new control box for my appliance. The part they sent me was not the correct part. I immediately reached out to XXXX  and they ignored my requests to remedy the situation by providing the correct part or providing a refund. I then filed a dispute with Goldman Sachs Apple card and provided a copy of the email I send XXXX requesting remedy for their error. While they did provide provisional credit they eventually found in the favor of XXXX because they " provided proof that I made the purchase ''. I dont understand why it took 8 weeks to confirm I made the purchase since I told them I made the purchase in the initial dispute. The dispute is that this company didnt send me the part I ordered and has refused to remedy the situation. I have in turn purchased a new dryer and no longer want the part from this unresponsive company ; I want my money back which Goldman Sachs Apple Card is refusing to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 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: FL

Complaint narrative:
I am a victim of Identity theft I had notify all credit bureau about my Identity been stolen and I had request number of time to block those account open by Identity theft to be block under Consumer 605B Blocking Request Letter to CRA. I had provided then with all necessary document required including, Copy of Credit Report, Identity Theft Report, Proof of Identity, FCRA 605B, 15 U.S.C. 1681c-, And police report. 
after number of request by me Experian it the only bureaus that had not block or remove any account report been open by identity theft. as fallow the rule per ( pursuant to section 605B of the Fair Credit Reporting Act ) and By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act,

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 2020-09-11 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 — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I XXXX cordless stick vacuums and came across this website that seemed to good to be true for a XXXX XXXX XXXX for {$120.00} and purchased on impulse. After realizing it did not make sense, I called the phone number listed on website listed as XXXX which went to na answering machine of a woman stating if calling about XXXX vacuum that it was a scam. I immediately called my bank, Wells Fargo and initiated a dispute. I received a credit back for {$120.00} after not receiving a product. One month later on XX/XX/2020 I received a product with the same tracking number listed for shipping of XXXX vacuum. The package was a small white envelope with a XXXX case inside. Package was listed as weight of 1kg and US $ Value of {$10.00}. On XX/XX/2020 I received a phone call from wells fargo stating that the credit would be reversed on XX/XX/2020 because the merchant claimed the package was delivered on XX/XX/2020. I explained the package I received was clearly not a XXXX vacuum bad they proceeded to tell me they can not stop the reversal of credit because they are only allowed to dispute one time with there merchant under federal laws, and since the merchant relieved a package even though not was ordered, there was nothing that can be done.

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 2020-09-11 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX DEPT OF EDUCATION/XXXX is fraudulent on my credit Account # XXXX U S DEPT OF EDXXXX is fraudulent on my credit Account # 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 2020-09-11 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: MA

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 XXXXXXXX, 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 2020-09-11 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: MA

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 2020-09-11 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX DEPT OF EDUCATION/XXXX is fraudulent on my credit Account # XXXX U S DEPT OF EDXXXX is fraudulent on my credit Account # 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 2020-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
Hi my name is XXXX XXXX. I seen there was French bulldogs for sale. And I wanted to buy one. I contacted the seller. They told me to send {$900.00} and I did. When they started asking for more money. I said I want a refund. They have my full address name and phone number. I told them I wanted a refund and they blocked me. Please help me out. The app I used to send the money was cash app. I was photos and proof I sent it and I asked for a refund. Please I just want my money back. Thank you. My phone number is XXXX and my email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 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: EQUIFAX, INC.
State: MO

Complaint narrative:
Improper Charge for Service covered under Paid Provider Network XXXX XXXX XXXX billed {$260.00} for services On XX/XX/XXXX that they were contractually committed to not charging for thru my Health Benefit Plan with XXXX. Account XXXX On XX/XX/XXXX the bill was given to a debt collector, XXXX XXXX XXXX, for recovery. Account # XXXX Both XXXX XXXXXXXX and XXXX were notified by myself and through my plan administrator that they could not bill for these services. XXXX was notified by me personally on XX/XX/XXXX and on XX/XX/XXXX. They were also notified by my plans member services on XX/XX/XXXX. XXXX XXXXXXXX was also notified by me on or about those dates. XXXX   XXXX has continued to try to collect this fraudulent debt and has reported me to the credit monitoring services. The amount was reduced to {$60.00} on a report from XX/XX/XXXX. 
Attempts to correct the problem with Equifax have been disregarded. First, their website reporting for disputes does not work. Second, calls to them to through their dispute resolution have been disregarded and went nowhere. Third, a request for forms to dispute the problem have been ignored and as of XX/XX/XXXX I have not received the requested documents. XXXX has addressed this fraudulent claim, Equifax will not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I applied for a credit limit increase on XX/XX/XXXX. On XX/XX/XXXX, a denial letter was mailed. The letter states that I am currently enrolled in a payment arrangement program with a credit card issued by Citibank , N.A . or one of its affiliates. I am not enrolled in such program. I did have a card closed in XX/XX/XXXX, however, the balance has been paid and shows {$0.00} balance on my credit reports. I called the phone number listed on the letter ( XXXX Monday through Sunday, XXXX XXXX - XXXX XXXX, ET are the listed  hours ). The first person I spoke with stated that they would transfer to some who would discuss with me and provide a more detailed explanation. The person that I was transferred to said that they would have to transfer me to another person for an explanation. I asked for a direct number, rather than a transfer, and she stated that she could not provide me with a direct number. She transferred me, when she did, I was placed on placed on hold, and then a short time later the call was hung up. Citibank is not willing to make it accessible to speak with the correct people to provide an answer more detailed than the mailed letter.

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 2020-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I've written to this collection company to cease and desist and they still are trying to contact me. I do not have a contract with them nor do I owe them anything

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 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: FL

Complaint narrative:
I am a victim of Identity theft I had notify all credit bureau about my Identity been stolen and I had request number of time to block those account open by Identity theft to be block under Consumer 605B Blocking Request Letter to CRA. I had provided then with all necessary document required including, Copy of Credit Report, Identity Theft Report, Proof of Identity, FCRA 605B, 15 U.S.C. 1681c-, And police report.

after number of request by me XXXX it the only bureaus that had not block or remove any account report been open by identity theft. as fallow the rule per ( pursuant to section 605B of the Fair Credit Reporting Act ) and By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act,

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 2020-09-11 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I am a victim of Identity theft I had notify all credit bureau about my Identity been stolen and I had request number of time to block those account open by Identity theft to be block under Consumer 605B Blocking Request Letter to CRA. I had provided then with all necessary document required including, Copy of Credit Report, Identity Theft Report, Proof of Identity, FCRA 605B,  15 U.S.C. 1681c-, And police report. 
after number of request by me XXXX it the only bureaus that had not block or remove any account report been open by identity theft. as fallow the rule per ( pursuant to section 605B of the Fair Credit Reporting Act ) and By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Sync/banana / inquiry 2019 I do not know this account. On the above date listed I had just had major XXXX and was incapacitated.

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 2020-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I have attempted to get proof that an account that was sold to Portfolio Recovery Associates actually belonged to me, and that the amount showing as outstanding is correct. I disputed this with the company via all three credit bureaus, and also on phone calls dating back multiple years. 

I just received a lawsuit from them where my address is incorrect, and pages where they are proving the debt are missing and incomplete. The affidavit is signed by someone at the company, and includes inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
My social security number was used to open a fraudulent checking account with Capital One 360 on or around XX/XX/2020. I first called Capital One 360 on XX/XX/2020 ( when I became aware of the account ) to request an investigation into the fraudulent account and begin the process of getting it closed. I was told that I would be sent a victim letter to fill out that would kick off their investigation, and that I would receive this letter in 5-7 business days. I never received the victim letter. I called Capital One 360 again on XX/XX/2020 and was again told that I would be sent a victim letter and to expect its arrival in 5-7 business days. I called Capital One 360 a third time on XX/XX/2020 and was once again told that I would be sent a victim letter. I have never received any written correspondence from Capital One 360. On XX/XX/2020 I mailed a letter ( from  IdentityTheft.gov ) along with my FTC Identity Theft Report to the Capital One 360 mailing address listed on their website. I have not received any reply, written or otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 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: CrossCountry Mortgage LLC
State: FL

Complaint narrative:
I applied for a forbearance due to COVID-19. CrossCountry Mortgage reported to all three credit bureaus the three months forbearance as late payments instead of affected by natural disaster. 
Ive tried disputing four times and Ive called corporate office and customer service more than ten times and the issues has still NOT been resolved. 

Please help!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 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: FL

Complaint narrative:
I applied for a forbearance due to COVID-19. XXXX XXXX   reported to all three credit bureaus the three months forbearance as late payments instead of affected by natural disaster. 
Ive tried disputing four times and Ive called corporate office and customer service more than ten times and the issues has still NOT been resolved. 

Please help!

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