vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2020 I went to what is identified as " XXXX XXXX '' in XXXX, Ca. I was actually at a XXXX dealership owned by XXXX XXXX in XXXX, Ca. I went in and informed the sales representative that I already had a loan approved through my credit union, which this dealership does deal with through XXXX XXXX. She said that was fine. Through the process she brought in a credit application and I asked her why I needed to complete this as again I had my own financing through my credit union, she told me " it was procedure, that I had to complete the top portion of the application and sign it '', which I did. On XX/XX/2020 I received a denial letter from XXXX XXXX XXXX stating that had " declined my application '' from XXXX XXXX. I was furious as I had specially told them I had my own financing. I called the finance manager that I dealt with and he stated he didn't know why they had me complete the application since I had my own financing. He would find out and get back to me. I informed him I wanted a retraction letter sent to XXXX   Credit Bureau immediately and that I wanted a copy of the letter emailed to me. Needless to say I never received the letter. On XX/XX/2020, I received another denial letter from XXXX XXXX XXXX. I called XXXX XXXX and they informed me that the dealership prompted the loan approval. I also received another letter from XXXX XXXX on XX/XX/2020 stating that the " counter offer was not accepted ''. 
I am furious over this and I want all inquires that have been put on my credit taken OFF immediately! I work hard to keep the credit score of XXXX that I have and they had no right to prompt any kind of loan inquires on my behalf without my knowing and approval. If they are going to tell you that it is due to the Patriot Act, I have researched and found that it is illegal and not necessary. 
I am requesting help in getting this matter resolved on my behalf as it is obvious that the dealership has no intentions in making this right. 
Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DIRECMANAGEMENT, INC.
State: AL

Complaint narrative:
XXXX  i cosigned for a loan for a then friend to purchase a vehicle. The loan amount was originally over XXXX. Th payments from the co borrower was late from the very begining, and a couple times was delinquent as much as 120 days. I contacted XXXX XXXX XXXX XXXX   on more than one occasion including going in person in order to try and get the truck or assistance in getting the bank to get it back i was willing at the time to take over payments. I was told no they would'nt do it. this went on several years at the same time my credit was destroyed Sometime later Mr XXXX voluntary reposessed the truck and was left with a debt of more than XXXX. Now mind you the vehicle started out at XXXX. and for several years he made payments on time. My complaint today is that amount of collection that i am being sued for is not right. I reached out to the bank over and over for help in resolving this matter. The bank official that i was dealing was racist and treated me very disrespectful.I went and sat down with then president of the bank twice and he assured me that they would be going only after Mr XXXX. My wife has been fighting XXXX XXXX and i told them about our financial hardships. I feel like victim when over and over i tried to work with the bank to resolve this. My credit has been destroyed and i think thats punishment enough for my good deed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I applied for credit with XXXX XXXX on XX/XX/2020. The application was denied because the credit reporting agency reported the following : You are participating in a payment relief of deferral program, receiving modified terms, or credit counseling services, on one or more of your accounts or loans. 

The above information is inaccurate as none of them items apply to my situation. The business reference from XXXX XXXX is 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 2020-07-26 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: MI

Complaint narrative:
My husband and I have been trying to get a mortgage since XX/XX/2020. We havent disputed anything on our credit reports since XX/XX/2020. All of the credit bureaus keep opening up disputes on our reports. We call 2-3 times weekly and they close them only for them to reappear. XXXX was deleted from my credit report XX/XX/2020 and they opened a disputed on them XX/XX/XXXX and then added it back onto my credit report. We cant get a mortgage with open disputes and want them to stop disputing items and adding dispute remakes when we arent disputing things! We also need for them to correct the XXXX error.

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 2020-07-26 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: 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 XXXXXXXX, 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 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 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 2020-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XXXX XXXX and XXXX XXXX sent {$3300.00} to XXXX XXXX using XXXX through Wells Fargo over a course of 8 transactions from XX/XX/XXXX to XX/XX/XXXX. XXXX pretended to be a subleaser of XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX ( actually owned by XXXX XXXX ) and the money sent was to cover the security deposit and first and last months rent. XXXX said she was in XXXX due to COVID so she could not show the property, but would send keys upon receipt of the money. The money was sent to XXXX XXXX XXXX at XXXX, who claimed to be the financial manager for XXXX XXXX. XXXX claimed to have sent keys, but lost the tracking ID and then stopped replying to any communication over text or email. I ( XXXX XXXX ), never spoke to XXXX XXXX, but spoke to " XXXX XXXX '' on the phone. I also sent " XXXX '' a photo of myself holding my I.D to prove my identity. I filled out a client application form and the lease, which was allegedly signed by " XXXX XXXX ''. XXXX also sent me a " Master 's Lease '' signed by herself and XXXX XXXX, and provided a XXXX profile ( XXXX XXXX XXXXXXXX ) for further profile identification. XXXX XXXX sent {$2100.00} through XXXX, and XXXX XXXX sent {$1300.00} through XXXX, over a total of 8 transactions. Both XXXX and XXXX have filed claims through Wells Fargo. XXXX XXXX 's claim numbers are the following : ( XXXX, XXXX, XXXX, XXXX, XXXX ). XXXX XXXX 's claim number for all three transfers is the following : XXXX. After no response from XXXX, XXXX XXXX found XXXX XXXX 's number and reached him. XXXX said the scam had happened previously, and he did not know XXXX and was currently living in the apartment with his wife. " XXXX XXXX '' 's number is XXXX ( XXXX XXXX XXXX and her email is XXXX. 

I chose to use XXXX because it was backed and linked by Wells Fargo. I was unaware that my money, though being used by a Wells Fargo-backed company, would not be protected. Neither XXXX nor Wells Fargo have helped me in the case, and Wells Fargo said they would call me back over a week ago to explain, and have never called to explain.

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 2020-07-26 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: FL

Complaint narrative:
XXXX - I've sent numerous letters describing how they're violating my consumer rights ... 1. INVALID DATE OF LAST ACTIVITY XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX EQUIFAX XX/XX/XXXX 2. PAYMENT HISTORY I was NEVER LATE and How can I be 30 days late on XXXX, 60 days late on Equifax & nothing reported at all on XXXX  at the same time? This is a clear violation OF THE FCRA! I've asked them to Remove or update my report to Paid as Agreed!!! 

DEPTEDXXXX - account needs to be removed for the following reasons 1. INVALID DATE OF LAST ACTIVITY XXXX XX/XX/XXXX XXXX  XX/XX/XXXX 2. PAYMENT STATUS How can I be late 120 days on XXXX and Current of XXXX? The information is coming from the same furnisher. 
3. PAYMENT HISTORY How can I be 120 and 150 days late at the same time? How can I be 120 days and 180 days late at the same time? This is inaccurate reporting and a violation of my rights as a consumer! PLEASE REMOVE THIS ACCOUNT!!! 

U S DEPT OF ED/XXXX - This account needs to be removed for the following reasons 1. INVALID DATE OF LAST ACTIVITY XXXX XX/XX/XXXX EQUIFAX XX/XX/XXXX 2.  INVALID DATE OF LAST PAYMENT XXXX SHOWS XX/XX/XXXX EQUIFAX SHOWS XX/XX/XXXX PLEASE REMOVE THIS ACCOUNT!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 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: MI

Complaint narrative:
My husband and I have been trying to get a mortgage since XX/XX/2020. We havent disputed anything on our credit reports since XX/XX/2020. All of the credit bureaus keep opening up disputes on our reports. We call 2-3 times weekly and they close them only for them to reappear. XXXX was deleted from my credit report XX/XX/2020 and they opened a disputed on them XX/XX/XXXX and then added it back onto my credit report. We cant get a mortgage with open disputes and want them to stop disputing items and adding dispute remakes when we arent disputing things! We also need for them to correct the XXXX error.

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 2020-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
My husband and I have been trying to get a mortgage since XX/XX/2020. We havent disputed anything on our credit reports since XX/XX/2020. All of the credit bureaus keep opening up disputes on our reports. We call 2-3 times weekly and they close them only for them to reappear. XXXX was deleted from my credit report XX/XX/2020 and they opened a disputed on them XX/XX/XXXX and then added it back onto my credit report. We cant get a mortgage with open disputes and want them to stop disputing items and adding dispute remakes when we arent disputing things! We also need for them to correct the XXXX error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Dates of pertinent information : XX/XX/XXXX - Purchased an airline ticket on Chase Credit Card ending XXXX {$2200.00} for my wife and me to fly from XXXX, FL to XXXX, XXXX. 

XX/XX/XXXX - Paid off credit card from our Chase checking account ending in XXXX, cancelled credit card account. 

XX/XX/XXXX - XXXXXXXX XXXX cancelled trip ( covid ). 

XX/XX/XXXX - Contacted XXXX XXXX at XXXX XXXX  and was told that the refund would be issued within ten days to the same card that I used to purchase the tickets. 

XX/XX/XXXX - Contacted chase at XXXX XXXX - Was told by Customer service operator " XXXX '' that the card was still in the system and that a refund from a merchant would be accepted and that I would be contacted to determine what account I would like to have the money transferred to. With Chase, I have two other checking accounts, a savings account and an IRA. 

XX/XX/XXXX - XXXX notified me via email that I had a full refund and that it would be deposited to my Chase Credit Card. 

I spoke with XXXX  and they gave me the " transfer number '' alphanumeric code used to track the transaction of XXXX XX/XX/XXXX - XXXX XXXX - After not hearing anything I contacted Chase, spoke with Account Supervisor " XXXX ''. They can no longer see my card, and would have to send an ( internal ) email to " merchant credit purged accounts '' and that I would hear from them via email or telephone withing five business days. 

I had spoken with XXXX and they gave me the " transfer number '' alphanumeric code used to track the transaction gave this number. 

XX/XX/XXXX XXXX XXXX - Called Chase, spoke with " XXXX '' customer service rep. Transferred to " XXXX '' Customer Service Manager. Could not find any information at all about any of the phone calls, however, would send an ( internal ) email to the " back office '' to find the account. " back office '' would contact me " soon ''. ( This person seemed uninterested in helping at all. ) XX/XX/XXXX XXXX XXXX - Spoke with " XXXX '' who was the first guy I spoke with. I had verified with XXXX that there was no return or other issue with the original transfer of the refund. 

XX/XX/XXXX - XXXX XXXX in the mail - received letter from Chase. They state that they can not find my account, and that the money was returned to XXXX, on XX/XX/XXXX, XXXXThis letter is citing " reference number '' XXXX. 

XXXX can not seem find this money, Chase can not seem find this money. Please note that during this entire transaction, I have maintained contact with Chase, however they appear to be keeping no functional notes on each phone call. 

I am looking for specific suggestions please. 

It is significant for my wife and I, {$2200.00}, and this was for a trip to see our XXXX  son in XXXX, we would like this money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: MA

Complaint narrative:
I realized that the Sears home warranty service was a scam, and not worth the {$41.00} a month I had paid for years. As everytime I had a service call 'nothing was covered '. I cancelled the service in XX/XX/XXXX. I was billed for XXXX, XXXX, when I cancelled again. I was billed in XX/XX/XXXX - and I again called to cancel. I asked for written verification in email or reg mail and was told not possible So in an effort to stop this fraudulent billing in XXXX I cancelled card ( Sears Mastercard ) as well as home warranty service. I was given cancellation number # XXXX. They have continued to bill me {$41.00} a month and I finally stopped paying in XX/XX/XXXX. I am now worried about them ruining my hard won excellent credit. 
Please help Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA 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 monetary relief
Consumer complaint received 2020-07-26 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: 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 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 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 2020-07-26 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