vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-28 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: OK

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 2020-05-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Please I need your assistance. I have been working with XXXX XXXX on this situation for a couple months now and I can not get any resolution. There was an issue with Macys APP and somehow my XX/XX/2020 payment did not process. I was not notified because Macys had incorrect information for me, they had an incorrect phone number. 

I make my payments using the app all the time and never had an issue until this particular time. I am no stranger to the app. 

The 30 day late was removed and then put back on somehow. I called immediately as soon as I found out there was a communication error somehow with the payment. Macys not only reported me late, but also lowered my credit limit which in turn caused other cards to lower my limit. My score dropped almost 100 points. I am not really sure what the issue is, but I would really appreciate if Macys could resolve this. I am a good customer and really don't deserve this. 

This was done right in the middle of a national pandemic. Everyone is suffering to such a great degree and Macys would do something like this knowing that there was a communication issue. I am extremely upset about this. I appreciate your 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
Consumer complaint received 2020-05-28 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: OK

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 2020-05-28 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: NJ

Complaint narrative:
On XX/XX/2020, TransUnion sent me a copy of my credit report after updating my personal information. I noticed several accounts were reporting inaccurately and I knew the specific accounts reporting was not mine. So on XX/XX/2020 I disputed four inaccurate accounts which were XXXX, XXXX, XXXX XXXX AND XXXX   with TransUnion via U.S. certified mail. TransUnion sent results in the mail on XX/XX/2020 deleting the XXXX account and claiming to have verified the XXXX, XXXX and XXXX accounts. On XX/XX/2020, I sent TransUnion a letter requesting for a re-investigation to be done on the verified accounts by providing actual proof ( i.e., a note, contract, instrument ). On XX/XX/2020, TransUnion responded and refused to provide actual proof as to how they verified the accounts. On XX/XX/2020, I sent TransUnion a certified letter warning them to remove the disputed accounts or face having a complaint being filed against them. On XX/XX/2020, TransUnion completely disregarded my dispute and just sent the same generic computerized verification response as they did my previous request and just said that the XXXX was verified again in a separate response letter. TransUnion also failed to verify the date that notified the furnisher. TransUnion also failed to verify the date that notified the furnisher. I also warned them that if they did not properly-investigate my dispute and remove the disputed accounts from my report, that I would be filing a complaint with the Consumer Financial Protection Bureau. Due to TransUnion failure to properly investigate my dispute and delete the disputed accounts, it's causing unverifiable derogatory statuses to reflect on my credit report which is having a negative effect on my credit report score and will be injurious to me in the very near future. XXXX deleted the accounts from my report because they were not verifiable.

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 2020-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX and Equifax are reporting a chapter XXXX bankruptcy but XXXX is showing a XX/XX/XXXX discharge and Equifax is showing a XX/XX/XXXX filing. Neither is accurate. I dont have a discharge or a filed open bankruptcy. I went to the court and saw this information is not true. The clerk of the court said they do not give that info to the agencies either. Both companies said the saw on XXXX XXXX. I complained to XXXX XXXX, they changed it and recommended I freeze my file. I did last year. Both agencies have not removed. I even sent a copy of my XXXX file to them showing it is not on there. They are still quoting the XXXX XXXX file, I have demanded they forwarded me a copy of that report, they have not

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
Someone took {$2200.00} out of my account ( with my debit VISA card ) without my permission through Cash App on XX/XX/20. They took 4 transactions : {$200.00}, {$400.00}, {$700.00} and {$900.00}. I have a copy of my Bank Statement showing the transactions and a screenshot of my Cash App showing I did not make those transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of America Ltd.
State: LA

Complaint narrative:
{$0.00} Collection Bureau of A. This account has been paid in full. Company has offered to removed. No result has been rendered

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ARS National Services, Inc.
State: IL

Complaint narrative:
On XX/XX/20 I've received notification from ARS National Services in regards to an alleged debt owed to XXXX XXXX in the amount of {$4100.00}. In accordance with Federal law ( FCRA ), please provide proper validation of this alleged debt. ( Validation consisting of a valid agreement bearing my handwritten signature ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
I had problems with Citizens Bank before in XXXX due to erroneous fees. 
I decided to close my account in XXXX. I tried various times to close the account. But the bank does not stop payments, and twice I emptied my account, but an existing out-pay charged against the account. Since it was my fault, I paid the fees and asked again to close the account. 
I send a letter to customer service. No response. 
I sent secure emails in the Bank App. To my surprise, that email was DELETED. 
I went to the branch, and the manager told me that he could NOT close my account. Finally, after a very unpleasant exchange, the branch manager explained to me the best way was to keep {$250.00} in the account and verify the balances once in a while. He told me, in confidence, that the bank would not allow me to close the account without a lawsuit or intervention from the regulator. 

For four years, this strategy worked. Yesterday, the bank charged me {$10.00} Fee for DORMANT ACCOUNT SERVICES. NO notification of such a bizarre fee was done in writing or electronic way. 

The timing of the fee is also alarming, the Connecticut " Stay Safe, Stay Home '' Governor 's order issued in XXXX of XXXX is expiring. 

However, this is not my case. This action is malicious because it imposes a LACK of Activity fee for customers that could not get to the branch during a QUARANTINE. 

I try to call the customer service on XX/XX/XXXX, but after a 1-hour wait, I gave up. 
I sent a secure email through the bank email phone app, which said that they would respond in 2 days, but I have no faith. 

I removed the balance of my account, and I hope that this should be sufficient to close this account. 

However, I would like to receive my {$10.00} fee back via check on the mail. If there are costs to issue the check, Citizens can subtract such losses from the $ XXXX, up to {$10.00}. If to be a bit honest is too much, please keep the money. 

I also request that the Citizens Bank delete all my information, as allowed by law. Please remove my name from any marketing efforts. 

XXXX XXXX XXXX Find file attached with the email alert about the fee. NO notice or communication was provided before the fee was charged.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-28 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: TX

Complaint narrative:
I disputed negative and erroneous items on my credit report, and i haven't heard a response back yet, and its been pass the 30 day deadline. I sent off letters via certified mail on XX/XX/2020 they received said mail XX/XX/2020. XXXX and TRANSUION

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 2020-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Hello, I have made a total of ( 4 ) attempts to reach out to a Collection Agency name Midland Credit Management about a claim / debt they say I owe. All of my requests for Validation letters to show proof of debt owed along with my legalized signature has not been met. I received ( 1 ) response letter dated XX/XX/20 informing me that the debt owed was confirmed by original creditor and they sent a bootleg looking statement ( will be attached down below for reference ). No other information was provided me as per my request. I received a 2nd letter notifying me that during their investigation with the original creditor ; which could take up to 90 days they would notify all ( 3 ) reporting agencies to delete the collection ( this has not been done ) - letter was dated XXXX. These were the only two responses received back from Midland Credit Management. I requested for them to send me proof of signature or anything binding me to the debt they say I owe ( only received half of a statement with no pertinent details ). According to their notes this account was charged off on XXXX. 

Thank you!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: MD

Complaint narrative:
apparently pnc made changes that prohibits my atm round -ups from being deposited to my XXXX  account. This has probably caused my account to grow much slower than it should have these past few months. I thought there should have been more money saved on acorn but just received a message from XXXX  informing me of what pnc was doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Every time I try link my Pnc account with an app, Pnc blocks it. Its my account and my money and I want to link it an account like other banks allow their clients to. Pnc shouldnt be able to decide when I can or cant access my account!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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: TN

Complaint narrative:
I HAVE TRIED TO RESOLVE THIS ACCOUNT THAT IS NOT MY ACCOUNT MY NEXT STEP IS FILE A LAWSUIT IN COURT

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 2020-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I have a mortgage loan from SELECT PORTFOLIO SVCIN, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called SELECT PORTFOLIO SVCIN and they said their system mistakenly put me on paperless billing after the loan was re-structured when the mortgage kept being resold, which I did not request, and it caused me multiple 30 day lates. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and SELECT PORTFOLIO SVCIN with no successful resolution. XXXX, XXXX, and XXXX  reporting me 30 and 60 days late. There was an error on their part. I was never 30 days late twice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Io, Inc.
State: VA

Complaint narrative:
As of XX/XX/2020, Receivables Management Systems is still reporting two collections accounts from XXXX XXXX that were paid by insurance. I've attempted to reach their office by the phone number provided on my credit report but have been unable to reach anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV

Complaint narrative:
Working on the behalf of XXXX XXXX XXXX, we went to the West Virginia DMV, filled out paperwork to have the registration changed from Virginia to West Virginia. They faxed the completed form to Captial one to the correct department several times without any response. I found out later that it was being sent to the correct department at Capital one, but they just failed to complete the request. Since that time, I have been in contact with their Executive Office of the President and as of XX/XX/XXXX, they have not completed the request. This process started in XXXX of XXXX. They appear to have processes that do not work and they are not willing to fix them. They also are holding up the registration so the car is idle and XXXX is paying the payments on the car and also full coverage on the car for one that is stationary. This is, in my opinion a very unprofessional way for XXXX XXXX to handle this account and cause these issues for a XXXX American Citizen. This aided in my wife 's car accumulating over XXXX miles since XX/XX/XXXX, but that is another story, which is a XXXX XXXX XXXX in her car that XXXX need to be replaced again after XXXX miles. With the XXXX XXXX XXXX, there have been things that came to light of bad business, this is one of them. XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
The company lead my account to repossession because they believed that the payment was missing and it was their own responsibility and duty to address the payment issue when the payment was on autopay each month for the car loan

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE

Complaint narrative:
I have a concern regarding with my friends transaction ( sender ) depositing my money to my bank account. The sender sent the money last Friday XX/XX/2020 thru WU by her XXXX XXXX account, choosing the 0-2 business days transaction and I should be expecting the deposit here in the XXXX last XXXX XXXX. Tracking the control number that was given, it says its already delivered but I checked my bank account and still I havent received it. I even asked the manager of the bank if I do have pending transaction and sent a confirmation stating I do not have any pending one. I feel uneasy since the transaction says it was complete but I checked it how many times but theres none. I rechecked the bank details how many times but the inputs were correct. I tried sending emails, sending personal messages to WU social media accounts since XX/XX/XXXX but they did not answer. Yesterday morning, they tried to reach me asking my personal info and XXXX but that was only it. After I sent it, again I got no replies at all until now.

Company response to consumer: Closed with explanation