vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-12 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
My XXXX flights ( XXXX and XXXX ) were canceled on XX/XX/XXXX. In the cancelation email, it stated that I was entitled to a full refund or a credit. I tried to follow the steps on their website to get a refund, but their system repeatedly told me my flight number was wrong. I tried to reach out to them through their chat many times and never was able to contact them. I went to XXXX  Barclays and disputed the charge. The amount owed to me is {$190.00}. I was given a provisional credit that was taken back. On XX/XX/XXXX, I received an email from XXXX saying they gave a credit. This is why Barclays took the money back from me. I told them multiple times that I wanted a refund and was entitled to one. I was then instructed by XXXX Barclays to provide additional information in the next 10 days, to keep the dispute open. I sent them a fax with all the information on XX/XX/XXXX and still have got my money back. It became a manager case number, but have not heard anything from them since I missed a call from a manager. I tried to call back but didn't reach anyone. Their customer service is horrible and the agents on the phone can't give you any information to help you get your money back. This dispute has been going on for way too long and Barclays needs to step up and help people who are affected by Covid-19 get their money back.

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 2020-07-12 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: PA

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
Consumer complaint received 2020-07-12 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: PA

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 2020-07-12 00:00:00
Product: Vehicle loan or lease — Lease
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: General Motors Financial Company, Inc.
State: MA

Complaint narrative:
On Monday evening XX/XX/XXXX I was awoken @ XXXX by a loud knock on my door. My husband opened the door and was told by 2 men with a flatbed truck stating that they were here to REPOSSESS my XXXX! We called XXXX for assistance as we were well aware that my GM payments were up to date. Upon further investigation we were told that they were to pick up a XXXX XXXX XXXX. I explained to them that I returned this vehicle XX/XX/XXXX and leased a newer one. The 2 men accepted this explanation and left without incidence. 
I went to work the following morning @ XXXX after no sleep, due to this intrusion in our lives. I called XXXX XXXX later that day and was told that someone would get back to me, Later I was told the vehicle in question was actually on their lot in XXXX! I asked them to fix the situation and get my name off the vehicle. I was told that " due to covid GM is busy and delayed with all functions. '' I called again Tuesday night for update and was promised someone would get back to me on Wednesday. It is now Thursday evening and I still have no resolution to this problem. The car in question has been on their lot since XXXX, long before Covid! They apparently did not do their job properly! When will this be resolved and will I have to be checking with the credit agencies next? 


I have called both companies multiple times without resolve. now my credit is compromised. As of XX/XX/XXXX my credit # has decreased by 66 points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-12 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
My Name Is XXXX XXXX and I have requested and provided proof and letters for my bankruptcy to be removed off my credit report in order for me to get my score off the ground to purchase a home. It has not been removed and is hurting my credit. Please remove this item off all my credit reports,

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 2020-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Hi, I saw a new inquiry on my credit report using XXXX XXXX by below institution. 

XXXX  XXXX XXXX, TX XXXX ( XXXX ) XXXX I went to trans union website to file a dispute and had to register for transunion account. 

Post registering the account with TransUnion I found that there is no way to dispute a hard inquiry and I also found that they signed me up for paid XXXX $ monthly subscription service without my knowledge. 

I have 2 complains - Remove unrecognized hard inquiry - Stop frauding customers by auto signing them up for paid subscriptions and revert my money. They may have somewhere very small in their policy that its a paid service of XXXX $ but its clearly not evident when signing up and seems to be kept that way to fraud its customer. 

Thanks,

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 2020-07-12 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: OK

Complaint narrative:
My Name Is XXXX XXXX and I have requested and provided proof and letters for my bankruptcy to be removed off my credit report in order for me to get my score off the ground to purchase a home. It has not been removed and is hurting my credit. Please remove this item off all my credit reports,

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 2020-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
In XXXX of this year I was preparing to refinance our house and ordered a copy of my full credit report from TransUnion, paying {$24.00}. I discovered today that they have been billing me this amount every month. I call their customer service and they said that I signed up for credit monitoring service ( I did not ) and that I should have read the agreement carefully before agreeing. I went back and looked through the original email I got from them after ordering the credit report, and there is nothing stated about a recurring charge. I would never have agreed to it ; I don't need it and don't want it. The customer service rep agreed to refund only the current month and refused to refund the other 3 months, after consulting with a supervisor.

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 2020-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: NC

Complaint narrative:
I am using XXXX to buy some small stock investments. PNC will not allow the transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I received funds from the SBA on XX/XX/XXXX for an approved, executed and funded EIDL loan. The funds were placed into my checking account at TD Bank. On Saturday XX/XX/XXXX I discovered my checking account and bank card was blocked/frozen. I called the bank and was referred to the " Fraud Dept '' which did not answer the phone on Sat XX/XX/XXXX nor today Sunday XX/XX/XXXX. 

I was also told to visit a branch which I attempted to do. The branches are closed and accessible by " Appointment Only '' yet yesterday despite numerous calls to multiple branches, NO-ONE picked up the phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-12 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:
Tried to link my account with XXXX and it won't work

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Earlier this year, the escrow amount due on my account was updated and now written notification of the change was received. This resulted in my auto payment short falling a small amount ( around {$200.00} ). As soon as I was made aware of it by the bank ( who called from a number my cell carrier said was a 'spam call ' ) I paid it in full and adjusted my payment amount. I also notified them that I had never received the proper paperwork for the escrow change. They agreed to remove all late fees and set the account to current, and that their escrow department would reach out to me in the near future. 

This month, I began the process of refinancing and found out that the bank reported that my mortgage was past due, ruining my credit score and making impossible for me to refinance at the rate I deserve. Because of the way the bank does not apply partial payments, it looked like for short period that my loan payments had been missed entirely. This has never happened. 

It should be noted that I had almost the exact same problem with them previously and that it did not get corrected until I filed a report with the CFPB, so I am doing so again now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: NY

Complaint narrative:
Letter dated XX/XX/2020 states I have a debt to XXXX, XXXX sent to American Coradius International, LLC to collect. I logged into the site provided with the ACI reference number and the last four of my SS #. It won't log me in. This debt is caused mostly likely from someone who knew my name, address and my email and opened a fraudulent XXXX account. I should not be responsible for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
At the beginning of XXXX my identity was stolen. This person ran my credit about 28 times from all 3 bureaus. Yes, I take accountability for the inquiries I made. However I've been disputing these unauthorized inquiries for many months now, and nothing has gotten resolved. I've written the original creditors and credit bureaus regarding this issue. For many months now I've been getting the run around. I've placed a fraud alert and freeze on my credit file, to prevent anymore fraudulent applications. 
CAPITAL ONE XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX. XXXX XX/XX/XXXX. Please help get this resolved or point me in the right direction. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Letter dated XX/XX/2020 states I have a debt to PayPal, inc sent to XXXX XXXX XXXX, XXXX to collect. I logged into the site provided with the XXXX XXXX number and the last four of my SS #. It won't log me in. This debt is caused mostly likely from someone who knew my name, address and my email and opened a fraudulent PayPal account. I should not be responsible for this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-12 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: NY

Complaint narrative:
Two watches were ordered, they only sent one. Disputed on their website twice yet charges remain. Ugh. Please help. I shouldn't be responsible for this charge and the payment is due soon and no one will respond. I should only be charged for the one item they actually sent.

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 2020-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: GA

Complaint narrative:
Diversified Adjustment Service IncXXXX Reported a collection effort on my credit report without ever ( ie never ) contacting me about a fraudulent debt that has been disputed multiple times. The company seems to practice unprofessional and incompetent business practices and not even verifying the validity of a debt, but moves to threatening and harming steps. Companies like Diversified Adjustment Service Inc should be shut down for unfair and improper business practices as they create massive work and damages for consumers. 
The so-called debt is from a fraudulent activity that the original debtor XXXX has not cleaned up.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC.
State: CA

Complaint narrative:
Last XXXX or early XXXX I asked to have my account enrolled in the automatic payment program at Homebridge. I received a letter saying that it would start in the next few months but that I was responsible for my payments on time until it began. It was XXXX when several days into the month the money hadn't been taken out yet so I paid the bill. The money is due the XXXX. On XX/XX/XXXX Homebridge attempted to withdraw another mortgage payment from my bank account. This attempt was made even though my money had already been deposited and applied into my Homebridge account. When Homebridge attempted to with draw a second monthly payment there wasn't enough money in that account to withdraw so it bounced and I received an NSF of {$29.00} from my bank and {$25.00} from Homebridge. Homebridge attempted to withdraw the second mortgage payment for the month of XXXX for a third time on XX/XX/XXXX, after which I received another {$29.00} fee from my bank. XXXX, my bank, has a policy of only being able to return fees possibly charged in error for two items annually, which they already did for me this year in an unrelated matter. So although they felt strongly that charges should never have been attempted to have been withdrawn against my account and they were aware I had no part whatsoever in the creation of the withdrawals that caused the overdrafts they could not refund the {$58.00} because two withdrawals had in fact been attempted against my account that lacked the funds. 
I called and spoke with a supervisor who explained that a letter had been mailed out stating that the XXXX payment would be made automatically for me. I received the letter after I made the payment. He informed me that he could do nothing about my bank charges, but that he would reimburse the {$25.00} fee charged by Homebridge. It is now XXXX and the {$25.00} is still on my account. I am asking that my account be corrected and remove the {$25.00} fee charged. I am also asking that they reimburse me the {$58.00} charged by my bank for the NSF fees. 
I did try one more attempt to resolve the matter with Homebridge before coming here. I again waited 40 minute + on the phone, went through the whole story several times and was eventually given the email address  XXXX to send the appropriate paperwork to. Which I did. Only to find out its a bogus address. I am sure I have it right too, because she spelled it out letter by letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
Sunrise Credit Services , Inc . 
Not my debt

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 2020-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
To Whom this may concern, While reviewing my credit report on XX/XX/2020, I noticed an incorrect and fraudulent collection account from Cavalry Portfolio SE. Please note, I do not have an account with Cavalry Portfolio SE and do not agree to debt. I have no knowledge of this account nor have I done any business with this company. I do not have a signed and dated agreement from Cavalry Portfolio SE. I am requesting you to provide validation for this debt. In addition, under the FDCPA, you are also to cease and desist from contacting me regarding this matter unless it is by the United States Mail. This Agency has called my phone numerous times harassing me for an account that I do not owe. I advised supervisor I do not agree to debt and will be filing complaint due to harassment and the lack of professionalism.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I simply can not connect to my PNC account from my XXXX account due to some tech issue.

Company response to consumer: Closed with explanation