vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-13 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: 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 Free Annual Credit Report, 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  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 response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
In mid XX/XX/2020 we applied for a va refinance with Pentagon Federal. We provided requested information by the end of XXXX including all our financial information a new appraisal and termite inspection. Since the end of XXXX we have been unable to get a status on our application. Since so much time has passed our appraisal and financial information is now stale. Also our interest rate lock has expired and Pen Fed rates have increased. We have been told our original lock rate will be honored but have not yet received any disclosures specific to our loan application regarding a rate extension.

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 2020-08-13 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: CA

Complaint narrative:
Company is refusing to delete erroneous information from my report and are denying receiving my documents even though they were sent certified. Additionally they are breaking California law statute 641..which says a document put in the mail is considered received. If they do business in CA they must adhere to CA laws. THEY ARE NOT. They are also in violation of California statute 1013.

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 2020-08-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I was seen at XXXX  XXXX  XXXX  in 2020 I have a deductible that is due when I see providers before i am pulled to the back with the doctor I was under the impression that the bill was paid for and I was good to go because they allowed me to see the doctor once my visit was complete I checked out and went home just about a month ago i received a letter stating i owe a balance not that it is going to collections so I explained to the agent i have been affected by the pandemic and could not pay anything at the current moment because i was laid off at my company due to the pandemic of covid-19 they basically stated ok and I never heard anything else going forward on XX/XX/2020 I receive a notification my credit report that a debt had been added to my file by transworld systems for the same exact amount I reached out to see why this was done and that was when they informed me of the debt they pretty much told me that they cant do anything it is either I pay it or leave it this has negatively effected my credit report and dropped my score tremendously they are not willing to resolve it with me or delete it from my report if it was to be paid

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TCF NATIONAL BANK
State: MN

Complaint narrative:
On XXXX I was charged two over draft fees. On XXXX I had a positive balance. On XXXX I had No transactions and deposited {$2000.00}. I also got a {$74.00} over draft fee. When I found out on XX/XX/11 I called customer service twice. First after a 50 minute hold. I spoke to an agent for 10 minutes then put me back on hold then was disconnected. Called back and after a 40 minute hold got help for about 30 minutes. She couldnt figure out how to help me before I had to drop. She said she created a ticket and someone would call me today. I confirmed the phone number and disconnected the call. Still have yet to hear back from someone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-13 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: PR

Complaint narrative:
The reason of this complaint is to request a refund for sales check XXXX for {$1400.00} dated XXXX XX/XX/XXXX due to merchandise was never delivered. 

In XXXX XX/XX/XXXX I purchase a cooktop Sales Check number XXXX {$1300.00} ( cooktop ) + {$130.00} ( tax ) = {$1400.00}. Four service appointments were scheduled due to cooktop was defective. A Sears service and repair technician visited my home and attempted to repair the cooktop in occasions without success. For this reason, he determined that the cooktop had no repair and recommended to request a replacement under warranty. I contacted Sears warranty services at XXXX and requested a refund under the Master Protection Agreement ( extended warranty ). Two weeks later I received the refund in a check. I took the refunded check and went to the Sears store and purchase a new cooktop ( same model ) Sales Check number XXXX {$1400.00} dated XXXX XX/XX/XXXX. Estimated delivery was XXXX XX/XX/XXXX. Sears contacted me to notify that due to the merchandise not being available the delivery date was being postpone to XXXX XXXX, then to XXXX XX/XX/XXXX, then to XX/XX/XXXX, then to XX/XX/XXXX, then to XX/XX/XXXX. On XXXX XX/XX/XXXX contacted Sears Customer Solutions at XXXX and requested to cancel the order and requested a refund. As of today, Sears Customer Solutions have denied, in several occasions, the refund. The reason for the refund denial is that Sears argues I was already refunded and they will not refund again. Refund Request cases numbers XXXX, XXXX, XXXX. Should you need additional information I have created a detailed call log with dates, hour, who I spoke with and nature/content of the call. *** Please note credit card was paid in full***

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 2020-08-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Unfair crediting scores. Credit companies like Equifax and XXXX  rate unfair scores. There is no set system to dispute while they report scores that jeopardize and affect ones livelihood. It should be illegal to not have fair reporting systems when these are systems used by companies denying lifestyle opportunities. 
I was scored +XXXX  points for lowering my debt by XXXX and reduced XXXX points for adding XXXX. Who sets the standards on companies that play with a persons livelihood?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XXXX XXXX I received and email about a fraudulent transaction, in the amount of {$730.00} ( email attached ), on my PayPal account. I reset my password. On XX/XX/XXXX, the password was reset again, not by me. 4 other fraudulent transactions were made ( attached ). At this point I realized my account was compromised. The bank card that was used to compromise was no longer in use. So, I decided to close the account. I called, but was not able to talk to anyone on the customer service line because of " extended service times '' ( I did not hang up the phone, I was hung up on by the automated service ). The  password to my account was again changed by someone else. I'm not sure if PayPal was compromised? Apparently you can reset your password a million times a day without raising any red flags- horrible security. That day I logged in and turned on 2 Factor Authentication in an attempt to secure my account. The 2FA is not working, so I am now locked out of my account. Yesterday XX/XX/XXXX and today XX/XX/XXXX, I again called PayPal. Both times I was eventually hung up on after their extensive automated service. I can not get assistance without logging into my account, and there is no way to log into my account! I just want to close my PayPal account permanently, but they will not allow me to do so. I already had to close one bank account and freeze the card on another bank account because of their shoddy security practices and lack of customer service. Please help before any more damage is done by this negligent and unregulated company!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Spoke with Capitol One on XX/XX/XXXX in regards to the status of an ongoing investigation and complaint submitted on my behalf by CFPB on XX/XX/XXXX. I was informed that they have came to the conclusion that I was responsible despite evidence submitted. They failed to update CFPB in regards to this update as their previous response was that they were still working on the issue on XX/XX/XXXX. If it is still being investigated it should not appear on my credit. If it was closed CFPB or myself should have been notified. I will note for the record that my credit card usage is over 350 % and I have 100 % on time payment history and my credit score was significantly impacted. Over 90pts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
It is impossible to get anyone on the phone. No matter what number you press when you call you are directed to a fully automated system and there is no way to get transferred to a live human. I want to refinance my loan and had to call a completely different number to finally get a human and was of course transferred. I am currently on hold and have been on hold for 2 hours and 35 minutes and counting! There system doesn't tell you how long the wait time is or what place I am in line so I have no idea if or when I will ever speak to someone. I had to hang up as I could not wait any longer. I need to speak to a human that can help me with refinancing ASAP. 

If you have the misfortune of having your loan transferred to this company I suggest you refinance with a different company and get out as fast as you can!

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 2020-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Two mortgage payments were lost via Online pay. On XX/XX/XXXX I was told by my mortgage holder that my mortgage was directed somewhere else. I had to borrow money to pay my XXXX mortgage a second time. Chase failed to protect my funds by helping retrieve them from the wrong recipient. I now have a second mortgage that didn't arrive to the right mortgage company. I didn't do anything different from what I had done it the pass years. There's definitely an internal problem which Chase and will not assist me to retrieve my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC

Complaint narrative:
Like many people, my mortgage went into forbearance earlier this year with Carrington Mortgage. During this time, I did not make 2 monthly payments ( XXXX and XXXX ). On the Carrington website, it said that my forbearance period ended XX/XX/XXXX and that I had to communicate with Carrington to make arrangements. Carrington never reached out to me or advised what my next steps were. XXXX XXXX I call them and they direct me to an online survey they were working on ( that was down for system repairs ). XXXX XXXX I fill out the survey. In the survey it asks if I could start making payments, which I said I could start making in XXXX and pay 2x per month for 2 months to catch back up. I get no response after I submit the survey other than a brief statement saying they would be in touch. End of XXXX I call Carrington because I get a statement saying I am delinquent on my loan ( which has been in forbearance )??? I call them on XX/XX/XXXX and they say, ok, no problem, make your payments as planned 2x per month until you are caught up. I say ok, pay 2x on XX/XX/XXXX, and then again end of XXXX / early XXXX. But now they have reported me to the credit bureaus as being 60 days late that lowered my score 136 points! I spoke to Carrington multiple times, had an " escalation specialist '' even call me, agree with me, tell me they would fix with the Credit Bureaus and send me an email ... still nothing. I feel like this can not possibly be right and I feel like they are just so ill equipped to deal with this situation that they are steamrolling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Summit A*R, Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX, I noticed a medical debt that I did not recognize added to my credit report. I immediately found the company, Summit AR, and contacted them to get additional information about this debt. They emailed back and verified the debt. On XX/XX/XXXX, I answered a phone call which happened to be from Summit AR, the collection agency. I said I'd happily pay the debt, but I had never received notice of the debt and thought it was inequitable that it was added to my credit report before I received a bill. I said that I would like for the account to be removed from my credit report. They refused. As mentioned, I never received a bill from them, though they claimed to send a single bill in XX/XX/2020. When I mentioned that I never received the bill, they told me to contact the postal service. I escalated to a number of supervisors, all of whom said I ignored bills and ignored my mail, and they would refuse to address the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 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: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
I have spoke with XXXX  and they said would call Sequium and have them cancel the account and recall it.. Sequium still has not  taking anything off my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 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: TX

Complaint narrative:
On XX/XX/2020, consumer open an online dispute with Equifax in reference to XXXX XXXX XXXX, an collection account. XXXX submitted a written letter requesting an explanation with three concerns. ( 1 ) Why is XXXX XXXX listed as a " closed '' account on credit file when XXXX XXXX XXXX is a collection agency and not a creditor? ( 2 ) Why is XXXX XXXX still reporting on credit report when Equifax nor the collection agency has properly validated such debt in according to the Fair Credit Law after several attempts made by consumer requesting verification of such debt. ( 3 ) Why would Equifax still report an unverifiable debt when XXXX  and XXXX  had conducted investigation against XXXX XXXX XXXX for the same such debt and their investigation resulted in a deletion/removal of consumer 's credit file? 
As of XXXX XXXX, XXXX consumer HAS NOT received dispute results from Equifax . On XXXX, XXXX, consumer received an alert from XXXX stating that consumer 's credit score dropped by XXXX points due to the re-investigation of the XXXX account conducted by Equifax. Per XXXX, Equifax updated the status of the above-referenced account as " At least 120 days or more than 4 payment past due. '' THIS IS AN INCORRECT STATMENT!! CONSUMER HAS NEVER MADE ANY PAYMENTS TO PORTFOLIO! THE FACT IS CONSUMER DOES NOT HAVE ANY OBLIGATIONS TO PORTFOLIO. WHERE IS EQUIFAX GETTING THIS INFORMATION FROM? WHERE IS THE VERIFICATION? HOW DID EQUIFAX COME UP WITH THESE CONCLUSION? Why did consumer 's credit score drop while according to Equifax the investigation is on-going? Equifax has blatantly ignored the simple request consumer has requested regarding the information on credit file. Equifax nor XXXX XXXX XXXX can legally and legitimately supply consumer with proper documentation for continuous reporting of such account. Consumer is requesting for Equifax to be investigated for violating the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: TN

Complaint narrative:
During the month of XXXX I had a failed payment for my credit card through Discover Card. When attempting to sign into my online account I was denied access and immediately called customer service to find out why. I was informed that I needed to send in documentation requested by the fraud department on XX/XX/2020. I was unable to make a payment until then. I faxed all requested documentation in asap. While waiting for a response or update I called about my payment on XX/XX/XXXX and was told that it would be deferred without penalty or late credit reporting. I still hadn't received any notification about my sent in documentation. When attempting to make a payment for the month of XXXX I was told that my card had been closed without an explanation. One week later I received a credit monitoring notification that Discover reported my account as 30 days late, although I was told that the payment was deferred. I've made multiple phone calls without explanation or reason as what is going on with my account or its closure. I had my brother, an authorized account user, call with me and finally received a frustrating explanation. Discover explained that my account was closed because some of my documents that I faxed were illegible. They stated that they sent a letter to my home on XX/XX/2020, explaining that the documents needed to be resent or the account would be closed. I never received this notice or any other correspondence regarding the matter. I also never received an account closure letter that Discover says was sent on XX/XX/2020. To make matters worse although I did not have online access to my account nor was able to make a phone payment, I received another notice today that my account is 60 days past due. Discover has caused the credit score of my brother and myself drop significantly with lack of information and communication. This has impacted my brother drastically, as he is an XXXX service member currently stationed in XXXX and is 30 days away from returning to the US and scheduled to close on his home mortgage. As a XXXX XXXX working multiple jobs as well as dealing with family XXXX issues this has added a heavily undue amount of stress and terribly blemished my otherwise unblemished credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Unfair crediting scores. Credit companies like XXXX  and Transunion rate unfair scores. There is no set system to dispute while they report scores that jeopardize and affect ones livelihood. It should be illegal to not have fair reporting systems when these are systems used by companies denying lifestyle opportunities. 
I was scored XXXX points for lowering my debt by XXXX and reduced XXXX points for adding XXXX. Who sets the standards on companies that play with a persons livelihood?

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