vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-20 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 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 response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A.
State: NM

Complaint narrative:
MACYS/DSNB is reaging their account on my credit report by reporting 52 charge offs, the most recent as on XX/XX/2020 this is a violation of the FCRA and very damaging to my credit worthiness.

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 2020-06-20 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have submitted two disputes to have incorrect information removed from my report, both dispute results stated the items would be deleted. I spoke with 2 supervisors/managers and they stated that they were updating my profile. It has been 2 months and the items still remain.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I'm trying to use the app. XXXX to maintain money and help manage bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: WI

Complaint narrative:
I've been dealing with this for about three and a half years. I have sent emails and letters to both mortgage companies with no resolution. My mortgage got transferred from XXXX XXXX to Select Portfolio Servicing.  There was a deferred principal balance of {$26000.00} that was canceled from XXXX XXXX. I have the letter regarding the cancellation. XXXX XXXX will not answer Select Portfolios messages I've sent messages and they will not answer mine either. Neither mortgage company is being helpful. I want this amount removed from my file at select portfolio services. it should not be on my balance at all not even under deferred principle. XXXX XXXX will not respond to select Portfolio services. And select portfolio services refuse to take that amount off of my mortgage. I don't know what I'm supposed to do now. If you need a copy of all of the correspondence and the letter I would be happy to send it to you.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
My father and I sold a piece of property together and the money from the sale was put into his Citizens Bank checking account. I was supposed to get {$50000.00} and he got {$50000.00}. I called Citizens Bank to ask them how much of a personal check can be cashed at their institution if I did not have an account there. They said for anything over {$10000.00} I would have to order the cash and it could take up to 2 weeks for the order to come through. I asked them if my father wrote a check for {$10000.00} could I cash that today and the women I was speaking with ( I do have her name ) said yes. So I got a taxi to the bank I had a valid ID that matched the check and they refused to cash it saying that the women I spoke with never said I could cash a {$10000.00} check. She said she told me even for {$10000.00} I would have to get approval from the regional manager and that the regional manager said no I can not cash this check. There is plenty of money in the account and right now we need this money very badly but the bank is refusing to honor my fathers check and I am being told I have to wait to cash anything from his account now. 
I am appalled at this, how can this bank keep my father 's money, and my father called the bank and spoke with the women I spoke to and still they refuse to cash it and the women said she had to wait for an approval from an operations manager. We are destitute at the moment as my husband and I have not been working and need this money. 
I did ask to see the policy that states they can refuse to cash a check and they refused to provide it to me, they said they did not have it in writing. How can they do this? The check is correctly written and my father spoke to the manager and she just refuses to cash it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 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: CITIBANK, N.A.
State: CA

Complaint narrative:
In XX/XX/2020, my Citibank statement had two charges of {$21.00} each that were not legitimate, one from XXXX and one from XXXX. I have not purchased anything or received any services from either company. I contacted Citibank repeatedly, but they kept sending me from customer service to fraud and back several times. I eventually got assurance from a Citibank representative that both charges had been removed. On my next statement, the charge from XXXX was still there, with a late fee of {$21.00} added. I called Citibank several more times, but they refused to remove the charges. After researching on the internet, I found that Citibank has a long history of adding false charges to their customers ' accounts. I learned that the best way to deal with the problem was to call Citibank and mention 1 ) Consumer Financial Protection Bureau and 2 ) class action lawsuit.  Only then were they willing to remove the fraudulent charges.

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 2020-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
This company midland funding have reported a collection charge to my credit report and i have never gotten any letter or any attend to collect this debt, i tried multiple time to contact them to resolve the issue and find out where this debt came from but it seem like they have no idea neither or have any information they can provide me, i gave them my cell number my social security number to retrieve the account in question in their system but nothing come out according to them instead they tell me it maybe in a different department and they provided me with a few different phone numbers and when i call those numbers its the same no one seem to know or cant find this account, im in good faith trying to resolve this issue so it can be remove from my credit report but no one can help me im desperate to get this fixed, i even tried disputed it with XXXX  and XXXX but nothing happen please help.. 
here is the collection company information.. 
Midland Funding XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI, XXXX Contact XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/XXXX, I contacted XXXX with the attached letter, to notify them that Capital One, is being reported incorrectly. On XX/XX/XXXX, I received a mailing attached as XXXX  refusal ( which claimed to be from XX/XX/XXXX, although I believe it may have been sent after 30 days ), stating that my request was " not specific '' enough, although a copy of the motion from Capital One 's attorney was included. The error is in regard to a {$110.00} filing fee for a fruitless lawsuit from XX/XX/XXXX, in XXXX County Municipal Court, which was dismissed at Capital One 's request by the Court. Please see the attached motion. I have tried to correct the error with both Capital One and Capital One 's Attorney, who responded on XX/XX/XXXX, with no later response in regard to this error. Capital One, refuses to produce a contract, or agreement to pay. There should be no doubt that the error is being overlooked, Capital One is providing false information, and XXXX, has material evidence which is more than sufficient.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: AXOS FINANCIAL, INC.
State: CA

Complaint narrative:
To Whom It May Concern : Settled in full with XXXX XXXX XX/XX/XXXX XXXX Credit reports reflect derogatory information. 

I reported to aXXXX XXXX on XX/XX/XXXX to attend basic combat training at the United States XXXX XXXX XXXX, XXXX XXXX, South Carolina. After completing the nine-week basic training course, I was transferred to the US XXXX XXXX XXXX XXXX at XXXX XXXX, Arizona. I graduated from the XXXX XXXX XXXX   course in XXXX of XXXX and then completed XXXX XXXX at XXXX XXXX, Georgia. 

Amazingly, I XXXX twice in three years to XXXX. During my years of service, I received the XXXX XXXX XXXX XXXX, the XXXX XXXX XXXX, the XXXX XXXX XXXX, the XXXX XXXX XXXX XXXX, the XXXX XXXX XXXX, the XXXX XXXX XXXX   XXXX, and XXXX XXXX for the XXXX Rifle and the Hand Grenade. 

Axis has taken adverse action against me for the same debt. This harm to me during a pandemic is mostly because I am XXXX American. Can there be some since of justice? I never received the accelerant letter until last month. The Gap claimed I had requested last the 90 days and even after a settled in full contract another company has taken adverse action against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 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: Exeter Finance, LLC.
State: AR

Complaint narrative:
I TIED TO BUY CAR AT XXXX, THEY GOT APPROVAL FROM XXXX  XXXX XXXX XXXX   WHICH ENDED A A LIE. THEY ALSO, PULLED MANY OTHERS I DID NT AGREED TO. SOLF PULLS ONLY

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
Ive already try to bring some understanding to the misleading Pharmice do you get your do you look like a bank that gives you the impression that theyre protecting your money at the same time they give you options of ways you can send money and I feel a deception because you think if youre working within the confinement I bet anything use fraudulent activity once the money leaves your account but in this case and XXXX will never receive and for this reason I can probably should account for that I wont purchase something from XXXX and XXXX could not get my money But while in the bank while with XXXX XXXX the subject came up about fraudulent activity that took place with XXXX and XXXX and I told to tell her that I could get my money back this was months later and they asked me if I could use my debit card they were able to give me my money back so why is Wells Fargo not being held with liable especially during this time where people are being laid off and money is important to XXXX the government is sending out trillions of dollars to help people this was my own money that I used and was taken why Is there not being more done this is a commonsense situation are use what was available through the bank via the bank with my bank card and the money was taken and not returned thank you XXXX XXXX XXXX please escalate this to another department that can handle this also I do have photographs of the texts and if needed the amount of two transfers and also the wire transfer with the routing number and account number at the bank house office if you need it please let me know because I dont know how to upload this with the system that Im on 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 2020-06-20 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: ALLY FINANCIAL INC.
State: AR

Complaint narrative:
I TIED TO BUY CAR AT XXXX, THEY GOT APPROVAL FROM XXXX XXXX AUTO FINANCE WHICH ENDED A A LIE. THEY ALSO, PULLED MANY OTHERS I DID NT AGREED TO. SOLF PULLS ONLY

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 2020-06-20 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: Santander Consumer USA Holdings Inc.
State: AR

Complaint narrative:
I TIED TO BUY CAR AT XXXX, THEY GOT APPROVAL FROM XX/XX/XXXX XXXX AUTO FINANCE WHICH ENDED A A LIE. THEY ALSO, PULLED MANY OTHERS I DID NT AGREED TO. SOLF PULLS ONLY

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
WF/ XXXX is reporting 35 charge offs on my credit report damaging my credit worthiness and misleading potential creditors.

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 2020-06-20 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: MARINER FINANCE, LLC
State: MD

Complaint narrative:
since XX/XX/2018, marinerfinance has put a lot of late Payment on my account. This was an auto payment from my own bank and for some reason the payment did not go through. i discussed with marinerfinance on this manner since this was my first time making a late payment but no luck. I suggest a plan forgiveness where i will pay {$200.00} upfront but they never reply back to me. They never remove the late payment that was associated with the same issue. i see now it just popped up on the two others bureaus and this has really and greatly lowered my score.

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 2020-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
To Whom It May Concern : Settled in full with GM Financial XX/XX/XXXX XXXX Credit reports reflect derogatory information. 

I reported to XXXX XXXX on XX/XX/XXXX to attend basic combat training at the United States XXXX XXXX XXXX, XXXX XXXX, South Carolina. After completing the XXXX XXXX training course, I was transferred to the US XXXX XXXX XXXX XXXX at XXXX XXXX, Arizona. I graduated from the XXXX XXXX XXXX   course in XXXX of XXXX and then completed XXXX XXXX at XXXX XXXX, Georgia. 

Amazingly, I XXXX twice in three years to XXXX. During my years of service, I received the XXXX XXXX XXXX XXXX, the XXXX XXXX XXXX, the XXXX XXXX XXXX, the XXXX XXXX XXXX XXXX, the XXXX XXXX XXXX, the XXXX XXXX XXXX XXXX, and XXXX XXXX for the XXXX XXXX  and the XXXX XXXX. 

XXXX has taken adverse action against me for the same debt. This harm to me during a pandemic is mostly because I am XXXX American. Can there be some since of justice? I never received the accelerant letter until last month. The Gap claimed I had requested last the 90 days and even after a settled in full contract another company has taken adverse action against me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
In XX/XX/XXXX, I purchased a home located at XXXX XXXX XXXX, XXXX XXXX, Hawaii XXXX with a VA loan from XXXX XXXX XXXX. In XX/XX/XXXX, I refinanced the loan with an interest rate of 3.25 %. This is a 30 year mortgage with a fixed interest rate. Later, the servicing of my loan was assumed by Freedom Mortgage. Freedom Mortgage started sending me monthly Mortgage Statements that read : Interest Rate ( Until XX/XX/XXXX ) 3.25 %. I called Freedom Mortgage many times to inquire as to why theyre reporting that my interest rate is only good until XX/XX/XXXX. Ive gotten very different responses from them over the phone, such as Your rate is fixed, I dont understand why it says that or This probably relates to your active-duty military status and the Servicemembers Civil Relief Act not your interest rate. These answers are non-responsive and do not accurately correct their records to correct that my interest rate is not good until any daterather, it is the interest rate for the duration of the loan. They should not be sending me a monthly mortgage statement that says that my interest rate is good until any date. I want this corrected in all of their records.

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 2020-06-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
on XX/XX/XXXX I brought a home ( thru XXXX XXXX  ) and from the beginning until now numbers have been manipulated and altered to the point that in in jeopardy of losing my home and the new mortgage company has got me locked into a rate almost 2 % higher then my original rate. This loan has been a disaster from the beginning and I need some help going thru and finding the rest of the discrepancies. So far I was overcharged almost {$3000.00} in origination fees ( had to file a complaint with XXXX  to recover that money received onXXXX ). Somehow I was paying homeowner insurance but my insurance company never received it so I wasn't cover for the first year. ( still have not tracked down them funds just paid out of pocket ) some how my loan was processed as a arm instead of a fixed so I had to refinance because. my taxes wasn't calculated right so my mortgage went up. So I called and ask for some help but I was told I wasn't behind so they cant help me .Finally I fell behind and in XX/XX/XXXX I asked for mortgage assistance from my now mortgage company ( Carrington mortgage ) and instead of helping me cuz I was a few months behind they made me payback some the back payments then raised my interest rate almost 2 points. And threated to demand all the back payment by certain time or file for foreclose if I didn't take the increased rate. That increase raised my note 300 monthly and my XXXX vet wife lost he job due to government budget cuts. Since then i was forced to file bankrupt just to keep them from filing for foreclose. Finally to top things off now we in a pandemic they want to get my bankruptcy lifted so they can file. 
WOW.. Help please

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 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: American Credit Acceptance, LLC
State: AR

Complaint narrative:
I TRIED TO BUY A CAR FROM XXXX RECENTLY, AND WAS TOLD I WAS APPROVED FOR XXXX XXXX XXXX. XXXX WITHOUT MY PERMISSION PULLED 11 OTHER HARD INQUIRIES.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: NM

Complaint narrative:
Target Credit Card is currently reporting 50 charge offs on their account on my credit report severely damaging my credit worthiness and misleading potential creditors.

Company response to consumer: Closed with explanation