vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-13 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: NY

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 Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 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: NY

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, 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 non-monetary relief
Consumer complaint received 2020-06-13 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: NY

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 2020-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/2020 I noticed several fraudulent charges on my account dating back to XX/XX/2020 I disputed the transactions then in about 10 days I get an email from capital one saying they denied my disputes because they found no error 's. I called and Spoke with XXXX XXXX ID # XXXX who works in the Fraud Department at Capital One and he was immediately rude, evasive, and you could tell that he absolutely did not want to answer any of my questions or even talk to me. I asked him several questions which he either did not answer or just blatantly lied to me when he did answer. After asking about an XXXX dollar transaction I was told they contacted the merchants to verify the validity of the charges however all the fraudulent charges took place online so how are the merchants going to verify that they sold anything to me? At most they can only say we sold something to someone who was using his debit card. Anyway XXXX finally just told me " You are too much of a risk for us '' so we are going to no longer do business with you and their will be no further investigation our decision will not change your not getting your money back and furthermore we aren't going to do business with you anymore. I asked him if it wasn't just a bit too convient that capital one owes me almost XXXX dollars in fraudulent charges and then they decide they just cant take a risk by doing business with me anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
They have multiple names on my account. My name with a middle name that I dont even have. Phone numbers that arent accurate and even have my brothers name on my report!! Social security listed on report is wrong.

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 2020-06-13 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: MI

Complaint narrative:
Equifax verified a fraudulent debt with XXXX XXXX as accurate ; and is inaccurately reporting an account as a debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
They have multiple names on my account. My name with a middle name that I dont even have. Phone numbers that arent accurate and even have my brothers name on my report!! Social security listed on report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 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: NY

Complaint narrative:
They have multiple names on my account. My name with a middle name that I dont even have. Phone numbers that arent accurate and even have my brothers name on my report!! Social security listed on report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
Account opened with XXXX on XX/XX/XXXX. 

Account closed on XX/XX/XXXX. 
Upon closing the account at the XXXX XXXX Store, I paid {$340.00} ( the last month payment for two lines XXXX and XXXX ) and returned all hardware to XXXX XXXX. The location of this store is XXXX XXXX XXXX. 

After XX/XX/XXXX, I received charges for {$460.00} ( for XXXX ) and {$170.00} ( for XXXX ). I contacted XXXX XXXX with XXXX ( XXXX ) multiple times via email to explain these charges were wrong because the account was closed on XX/XX/XXXX. I included the XXXX  because I required further assistance to try to communicate my issue. Since I did not hear from XXXX, I assumed the matter had been solved. 

At this time, XXXX has an incorrect request for the amount of {$1000.00} because I should only be charged for the services up to XX/XX/XXXX. This amount has been sent to sunrise for collections and affected my credit score. I have made this request with XXXX on XX/XX/XXXX with XXXX ( XXXX ). 

I would like XXXX to only charge me the final month of the phone usage, remove the charges after XX/XX/XXXX and remove me from collections. I would like to ensure my credit score returns to its primary state.

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 2020-06-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/2020, XXXX charged me {$270.00} for purchasing an XXXX XXXX  XXXX generation but the order never got delivered to me. They sent me a photograph showing the order was delivered but all I could see was that the order was abandoned completely unsecured on a remote floor somewhere which does not match my apartment location. The photograph is attached with this complaint. On XX/XX/2020, the next day, XXXX charged {$13.00} for the cover case of the XXXX  which I ordered at the same time as the XXXX, but I also didn't get it. Also, my bank refused resolving the unfair charge of {$81.00} and repeated assaults of $ XXXX  monthly overcharges scammed by merchant XXXX  XXXX on my credit card account for the past few months which really breaks my heart and worries me. Fair resolution to this issue will be resolving, rectifying, and refunding back the unfair changes back to my credit card account.

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 2020-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
I have been trying to get an explanation from Chase about interest charged to my account for purchases, when there were no purchases. The most recent two statements show a purchase balance subject to interest rate, yet Chase has not been able to identify the purchases.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-13 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: NY

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 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 XXXX CFPB XXXX 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 2020-06-13 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: AL

Complaint narrative:
Every year I have to dispute personal information with transunion and this concerns me especially when I provide identification to validate errors. They have added these names to my report : XXXX XXXX XXXX and XXXX XXXX. I have never had these names. I provided my social security card and drivers license to validate this three years ago but every year I'm disputing new names. Also, how are they applying new names to my file when I don't apply for credit unless I remove the freeze temporarily? Why am I fighting this error every year with wrong names displaying?

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 2020-06-13 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: TX

Complaint narrative:
I have a Citibank card that I have not used since 2017. Several fraudulent charges appeared on my statement ; I immediately informed Citibank. I waited for excessively long period of time. I disputed the fraudulent charges on my card. I have absolutely no knowledge of the transaction. I believe Citibank is negligent : 1 ) failure to provide adequate fraud protection and fraud prevention services ; 2 ) failure to adequately investigate the disputes, which if investigated, would should show that the charge is clearly fraudulent ; 3 ) sending a replacement Card to an address that I specifically told them they should not send the replacement card ; 4 ) failure to remove charges that were indicated as fraudulent ( by phone ) ; 5 ) impossibility due to Citibank 's website design to report that specific charges are fraudulent. 

These are clearly not issues restricted to a single customer, and most likely reflect a pattern of inappropriate behavior. 

Citibank has also hid behind the Covid 19 crisis ( in effect since late XXXX ) as an excuse not to provide adequate customer service. Credit Card companies faced an increase in customer call volume in the immediate aftermath of the travel bans put in place due to refund requests for travel charges ; travel is at historic lows. There is no longer an excuse ; and further, Citibank has had the opportunity to adapt to the current situation. Note that their billing has not been delayed due to the crisis.

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 2020-06-13 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: MI

Complaint narrative:
Recently, On my XXXX  report, I disputed the two XXXX XXXX XXXX trade lines.The two closed account have separate account numbers.I disputed both closed accounts for incorrect information and requested both be deleted from my XXXX  report.On XX/XX/2020, I recieved the results from the dispute from XXXX and both XXXX XXXX trade lines was deleted as I requested.The Two XXXX  XXXX XXXX trade lines on my Equifax report are showing closed and Im requesting the two trade lines be Deleted as .Therefore, Im requesting the two XXXX  XXXX XXXX  trade lines/accounts be deleted/removed from my Equifax report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
BB & T closed my account and told me on XX/XX/2020 that a check was timestamped and sent out to me at my address on file. 
They told me to wait 7-10 business days and it never arrived. I called them to ask them 3 times to trace the check and instead of tracing it, like most banks would, they told me they would call me back 3 times. The check never arrived.

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 2020-06-13 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: NY

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 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