vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: LA

Complaint narrative:
I went on furlough from the state of Louisiana XXXX XXXX XXXX XXXX in XXXX XXXX, La on XX/XX/2020. I completed my modification of {$910.00} on XX/XX/2020. My new modification became {$900.00} which is not much different ( XXXX ). I asked for assistance in XXXX and was told I " had to complete my loan modification trial period. '' I struggled to make the payments esp being on furlough. After I completed my last modification payment I called and asked for assistance. Carrington took my application. Mailed me a letter stating I was granted 60 days. A payment of XXXX ( my new mod amount ) I received a phone a WEEK later call from the mortgage company, tell me my I was granted 60 days. Ok, I paid THIS month so XXXX {$900.00}, therefore, XXXX and XXXX have been forbearance? No stated the rep. Effective date XX/XX/XXXX! 
Pretty I get a month break.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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: U.S. BANCORP
State: TN

Complaint narrative:
I used SAFEDRY CAPET CLEANER 100 % SATISFACTION GUARANTEE to clean my CARPETS. Charge was to be 'Special 3 room 's {$99.00}. THE CARPETS WERE DIRTIER THE NEXT DAY AND THE CHARGE WAS {$50.00} more than quoted. I called XXXX the manager, he said they would be out to RECLEAN FRI AT XXXX. My yard man XXXX XXXX and I waited from XXXX. No SafeDry RECLEAN PERSON CAME. 
I CALLED FIDELITY CUSTSERVICE TO DISPUTE They said, CANT, HASNT POSTED NEXT DAY Fidelity : CANT DISPUTE HASNT POSTED STILL PENDING 5TH CALL TO FIDELITY OK DISPUTE FILED, YOU ARE FINE T W O WEEKS LATER AFTER MOVING TO MY SUMMER HOUSE IN OHIO, I RECEIVED A LETTER FROM FIDELITY IT SAID DID NOT MENTION EVER BEFORE FIDELITY SAID XXXX REQUIRES US TO HAVE YOU HIRE ANOTHER CARPET CLEANING COMPANY TO GET ANOTHER ESTIMATE AND SEND IT TO US, FIDELITY I CALL ABOUT THE LETTER, WHICH SAYS THE ESTIMATE IS DUE T O M O R R O W I CAN NOT I AM XXXX MILES AWAY AND WHY DIDNT YOU EVEN MENTION N THIS REQUIREMENT WHEN I FILED THE DISPUTE HE ANSWERED I DONT KNOW, XXXX JUST STARTED REQUIRING THIS NO, THATS A LIE, I CALLED XXXX, THEY SAIDITS A LIE

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 2020-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I can not link my checking account with a finance company to transfer funds

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
PNC no longer allows linking to the XXXX app owned by XXXX. It's incredibly frustrating and makes it hard for folks to make donations, pay debts to peers, etc. PNC has done this with Acorns as well. Annoyed and disappointed consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
i tried to call in personally and also my power attorney was present. The lady was combative and also my poa tried to let her know her attitude was making him nervous and scared. I have attached his XXXX act letter as well as the fact I am being charged {$490.00} annual fee for items no longer available like road trip interruption. They stated it ended before I even signed up. Then the lady lied on me saying we called about Citi Rewards card when it was about the Citi Prestige card and my XXXX poa veteran I have attached proof to prove they are breaking federal, state, & local laws and also denied me falsely telephone communication with my bank with Covid 19 that is the ONLY WAY I can communicate with them. If I can't call them how am I supposed to notify them of fraud or loss or to get any of the benefits that come with this card? 
Also for the record, I never spoke to the agent so I didn't speak in any negative manner it was my POA. Therefore they have violated my privacy rights if they spoke with my POA without my permission or me being present.

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 2020-07-21 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: General Motors Financial Company, Inc.
State: RI

Complaint narrative:
GM financial has an incorrect report of adverse credit and relied on that to deny me credit. I have contacted a GM Rep. - XXXX XXXX - and she will not responded to me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Home Loan Center, Inc.
State: TX

Complaint narrative:
please look at previous complaint XXXX and XXXX I feel like im playing wack a mole This is a debt that shouldn't have ever happen A XXXX XXXX   was taken out of the original loan that was canceled on the first business day after consultation Actually the loan was pushed thru before I left their office on the consultation day unknown to me I have a letterhead I assumed was sold to XXXX IN Which i thought i had settled the issue Then I got a collection notice from XXXX which was now the company trying to collect an illegal debt That was soon settled Now XXXX XXXX is trying to collect that same debt which is confusing more so on the original collection I have a letterhead that has XXXX XXXX   XXXX XXXX XXXX On the first collection The amount that was taken out should not have happen Loan was canceled on First business day after consultation Also It shouldn't be on my credit report because IT Was For a Medical procedure This is running my credit I have been very careful with my credit and havent paid a late bill in over! 0 years please help me clear up this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In or around XXXX, Capital One offered COVID-19 relief and ensured me that my credit card account would not report as late ; however, they reported a late payment on my credit card account despite the fact that I have had perfect payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: MS

Complaint narrative:
I was told that I didnt have to make any payments during my modification process. However, my credit report was negatively impacted while going through the modification process. I DONT BELIEVE THE COMPANY WAS TRANSPARENT IN THE WAY THEY HANDLE MODIFICATION. If I knew that my credit was not going to be cleared, I would have looked at another route as opposed to a modification that damaged my credit. My credit report was negatively impacted XXXX XX/XX/XXXX 

-I was assigned a Relationship Manager who was never available and non-responsive. On multiple occasions, I had to reach out to her Manager or a co-worker to try to understand the status of my account and ask questions. Everyone, I spoke with acted as if they were oblivious as to what was going on with my account and I was constantly getting conflicting information. 
-On XX/XX/XXXX, after extreme frustration and getting conflicting information, I asked for a new Relationship Manager to be  assigned to my case. 
-After making multiple calls, I was told that my loan documents were misplaced. I kept receiving new documents, new mailing labels and no one knew where the documents I submitted were located. This delayed my modification process. I was told by Management that the Company had a new vendor who was responsible for sending out loan documents. I should not be held accountable that the vendor made mistakes.

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 2020-07-21 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: MD

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 Free 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 2020-07-21 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: FL

Complaint narrative:
I check my credit report and notice some things that don't belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and still not getting any resolution. I don't know what seems to be the problem. Please help me! 

List of accounts ; XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX  HOSPITAL XXXX XXXX HOSPITAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-07-21 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: MD

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/XXXX 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 Free 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
Consumer complaint received 2020-07-21 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: MD

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 2020-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
Letter was sent by JEFFERSON CAPITAL calming a debt of XXXX  XXXX XXXX checking account. I dont have an account with XXXX  XXXX XXXX .... I called XXXX  XXXX XXXX to verify that nothing was opened under my information and nothing was found .... this a company trying to collect a debt that doesnt exist

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I check my credit report and notice some things that don't belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and still not getting any resolution. I don't know what seems to be the problem. Please help me! 

List of accounts ; XXXX  XXXX XXXX XXXX XXXX  XXXX   XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX 11 XXXX XXXX XXXX XXXX HOSPITAL XXXX XXXX HOSPITAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I check my credit report and notice some things that don't belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and still not getting any resolution. I don't know what seems to be the problem. Please help me! 

List of accounts ; XXXX  XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX HOSPITAL XXXX XXXX HOSPITAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-07-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/2020 I sent a dispute letter to have a bankruptcy verified. 
On XX/XX/2020 Transunion credit reporting stated they verify this account and if I am not happy with the investigation, I can contact the court myself for verification XX/XX/2020 I send a letter of verification to the Bankruptcy court asking what is the method of verification with the credit bureau and also provided them a copy of my credit report to verify the listed account.This was sent certified and overnight XX/XX/2020 I received a responses back from the court house saying they don't verified anything with the credit bureau and the information I sent was not able to be located. 
XX/XX/2020 I sent Transunion a copy of the letter they sent, a copy of what the court house send me and asked them to please delete it under my rights of the FCRA. 
XX/XX/2020 I received a letter back from Transunion stating the item was once again accurate. I placed a call to them at XXXX XXXX  on XX/XX/2020 to have someone explain why haven't the item been deleted. I was told by the representative that the information I sent was not acceptable, that they go through a 3rd party called XXXX to verify. Once again you did not verify it, so you have to delete it. However the lady told me she will resubmit the dispute it wasn't nothing she can do

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 2020-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
Can't connect my PNC account to my XXXX XXXX account, even though PNC sends me a message saying my account was connected.

Company response to consumer: Closed with explanation