vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-16 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: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
My credit report shows an inquiry from XXXX XXXX XXXX / XXXX that I did not initiate

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 2019-01-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: SC

Complaint narrative:
On XX/XX/2018 I filed a complaint about this exact same claim of debt with another debt collector and it was deleted because it could not be verified. Now this company is reporting the same debt claim and never once contacted me by phone or mail. This is damaging my credit and I have placed a fraud alert on my accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 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: FL

Complaint narrative:
I have sent letters to correct my personal information. The only address that is a valid address is the address that I am currently residing in and all my credit accounts on my credit reports states that I reside at XXXX XXXX XXXX, XXXX, FL XXXX. All other address which is an invalid address that needs to be remove immediately from my credit file. My name is XXXX XXXX XXXX. Please remove all other name variations IMMEDIATELY from my credit file-they are not accurate. All other address needs to be remove immediately from my credit file. All other name need to be remove from my credit file.

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 2019-01-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have sent letters to correct my personal information. The only address that is a valid address is the address that I am currently residing in and all my credit accounts on my credit reports states that I reside at XXXX XXXX XXXX., XXXX, FL XXXX. All other address which is an invalid address that needs to be remove immediately from my credit file. My name is XXXX XXXX XXXX. Please remove all other name variations IMMEDIATELY from my credit file-they are not accurate. All other address needs to be remove immediately from my credit file. All other name need to be remove from my credit file.

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 2019-01-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ascension Point Recovery Services, LLC
State: VA

Complaint narrative:
My Father, XXXX XXXX XXXX, died XX/XX/XXXX. In XX/XX/XXXX my underage son was called five times by Ascension Point debt collection service regarding his estate. Five messages were left then they talked to my clearly minor child and coerced him into giving them my cell phone number. My son is clearly underage and this tactic is abhorrent. 

Furthermore, I am not the personal representative for my father 's will nor am I a beneficiary ( nor is my son ). I called Ascension point on Friday, XX/XX/XXXX, to ask them to cease and desist in calling me or any of my family members. After this call they contacted my sister 's father-in-law. My sister is also not the representative nor a beneficiary of out father 's estate. 

These aggressive tactics for possible fraudulent debt that we are not legally responsible for is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I opened a checking and savings account with Citi to receive the {$400.00} promotion. Per the terms, I had to maintain a total of {$15000.00} combined in checking and savings account, so I deposited {$14000.00} in savings account ( which pays interest ) and {$1.00} in checking account ( which doesn't pay interest ). 

I just received an email from Citi that I did not qualify for the bonus because I didn't maintain the required minimum of {$1500.00} in the checking account. But they just changed the terms to require {$1500.00} in the checking account. When I opened the accounts, there was no minimum, just a combined total of {$15000.00} in both accounts - per their web site and per the customer service rep I spoke with. 

In reading the XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX it is obvious that Citi has cheated other customers in this way ( see comments at the bottom of the page in the link ) Please help me get my {$400.00}.

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 2019-01-16 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: CA

Complaint narrative:
On XX/XX/2018 i submitted a dispute to Transunion for XXXX XXXX XXXX  in which i have no idea where this account originated from. I also mailed XXXX  XXXX on XX/XX/2018 to validate this said account. I never received any response from either and followed up on XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018, I have yet to received any correspondence in regards to this 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 2019-01-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: IL

Complaint narrative:
Our mortgage is with PHH mortgage company. Our house payment decreased yet the mortgage company refuses to take out the correct amount from our checking account. We have it set up as automatic drafting which they control. I noticed the amount in XXXX and contacted them at that time. I was assured that the problem was corrected yet twice a month they continue taking out the old payment which equals to an overpayment of {$240.00}. 
I have requested the automatic drafting be stopped and I will pay it myself but that also has not been done. 
I finally contacted my bank and for a {$36.00} fee they will stop the payment but only for 6 months. My bank hopes this will force them to make the requested changes. 
I am not able to speak to anyone in a position or to that specific department that controls such matters. I feel as if my bank account is being held hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under Phoenix Financial Services.  I requested a validation on XX/XX/XXXX as there were 2 accounts that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and accounts were listed as disputed by consumer but I had not received any correspondence from creditor to validate these accounts as correctly belonging to me. Therefore on XX/XX/XXXX I sent a 2nd validation letter. Credit report was reviewed again on XX/XX/XXXX and the accounts are still reflecting on my report and I do not believe the accounts belongs to me nor that the creditor has authorization to legally access my medical records and to attempt to collect on this account and these accounts continue to negatively affect me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 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: FIRST HAWAIIAN, INC.
State: CA

Complaint narrative:
On XX/XX/2018 i submitted a dispute to XXXX  for First Hawaiian Bank in which i have no idea where this account originated from. I also mailed First hawaiian on XX/XX/2018 to validate this said account. I never received any response from either and followed up on XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018, I have yet to received any correspondence in regards to this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 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: Receivables Performance Management, LLC
State: PA

Complaint narrative:
Someone opened an account in my name which caused a debtor status to be placed against me. Now I am taking this step remove this potentially fraudulent information from my credit file. Moreover I do not recognize the account number listed for these item reporting nor do I recall establishing an account with the collector nor there predecessor

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 2019-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
When making a transaction in a foreign currency, PayPal offers the options of allowing PayPal to convert the currency ( at a markup ) or allowing the consumer 's card issuer to perform the currency conversion. When I tried today to make a payment of XXXX Euros, I was quoted a rate of {$610.00} USD by PayPal. This was much higher than the {$590.00} using the bank exchange rate. When I attempted to change the option to within my PayPal app to allow my issuer to perform the currency conversion, the option was not accepted and continued to revert back to PayPal for conversion. In reading online forums, I see this " bug '' has been occurring for years. I needed to log into a browser to be able to change the currency conversion selection. 

Consumers have notified PayPal via those forums, so I must believe that PayPal has not fixed the problem as it is profitable for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
inaccurate inforamation on credit report

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 2019-01-16 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Over 60 unauthorized debit transactions were taken out of my account between 3900 and 7000 was taken out of account causing my account to be closed and having a negative balance this was done last year the name of the bank is Wells Fargo

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 2019-01-16 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Greetings I have initiated a dispute with EXPERIAN to remove unauthorized Inquiries they have failed to validated that I initated. I have asked and requested for EXPERIAN to respond with validated proof that I authorized these inquiries per the Fair Credit Reporting Act. I have provided requested documents to EXPERIAN including a copy of my filed Identity Theft Police Report to get this issue resolved in which they requested. I have also reached out to the creditors to validate this unauthorized inquiry belongs to me in which they have failed to prove. 

Below are the reporting Inquiries that should be Removed / Deleted from my EXPERIAN credit report. Should you need any additional information please let me know. 

Reporting Inquiries : 1 ) XXXX XXXX XXXX - Date Filed : XX/XX/XXXX 1 ) XXXX XXXX - Date Filed : XX/XX/XXXX 1 )  XXXX  - Date Filed : XX/XX/XXXX 1 ) XXXX XXXX XXXX - Date Filed : XX/XX/XXXX 1 ) XXXX XXXX XXXX - Date Filed : XX/XX/XXXX 1 ) XXXX XXXX/XXXX XXXX - Date Filed : XX/XX/XXXX 1 ) XXXX - Date Filed : XX/XX/XXXX 1 ) XXXX XXXX XXXX - Date Filed : XX/XX/XXXX Should you need any additional information please let me know.Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, PA 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 non-monetary relief
Consumer complaint received 2019-01-16 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
When I took out the reverse Mortgage, I did not qualify for tax exemption so I paid property tax. Then I was granted tax exempt status, however the mortgage company continued to pay the tax. They said I owed $ XXXX, I did not have the money so they started threatening me with foreclosure. I made a payment plan and paid the amount down to $ XXXX, however mortgage was sold to XXXX XXXX. I tried to make a payment plan, however I was told my income did not qualify, so they began constantly calling and threatening foreclosure. I filed a complaint, then I was told due to my age I could have my physician complete a form explaining my XXXX, because I survive on Social Security. Form was completed and submitted in XX/XX/XXXX ; I was told it was approved for 1 year, however I recently began receiving letters and an individual arriving at my home requesting my proof of my identification, which I provided. On, XX/XX/XXXX, I received a call from a representative from Champion Mortgage once again stating she was going to foreclose on my home. I am XXXX years old, XXXX XXXX XXXX XXXX XXXX   due to XXXX, and fighting to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I under went treatment for XXXX XXXX and my age alone makes things difficult for me. This is my only home, yet once they offered me $ XXXX to relinquish it to them so they don't foreclose on me. I have told them my income has not changed enough for me to qualify for a loan or repay the reverse mortgage. It seems as if they are going to harass me until I have a XXXX or XXXX XXXX, so they can get the home. I can make a {$25.00} a month payment if that is what they want, however they said I did not qualify for a payment plan. I sent a certified letter asking them do I need to have my physician complete another form, if so, advise me of that rather than constantly threatening to foreclose on my only residence. The representatives seem to past my file around seeing who can force me to pay money I simply don't have.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 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: U.S. BANCORP
State: CA

Complaint narrative:
Fidelity/XXXX XXXX closed my account without notice or communication back in XX/XX/2018. I never received anything! I called the company to try and find out why all of a sudden my card didn't work to find out my account was closed. They refused to give me any sort of explanation or further information. They " re-sent '' a letter ( that I had never received ) backdated XX/XX/XXXX on XX/XX/XXXX, again with no explanation as to why the account was closed other than " in accordance with the terms of your Cardholder Agreement ''. To the best of my knowledge I never violated any terms ; my account was always in good- standing and my card was paid in-full every month and never had an outstanding balance. Fidelity refused to re-open the account or give further information.

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 2019-01-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I saw Citi offering a bonus of {$400.00} for opening a savings account and depositing {$15000.00} for a minimum of 90 days. I created the account on XX/XX/XXXX, and deposited {$15000.00} on XX/XX/XXXX into the savings account. On XX/XX/XXXX, I received an email stating that I had earned the {$400.00} and it would be deposited within 30 days. On XX/XX/XXXX I still had not received the {$400.00} and called customer service. They indicated they would look into the matter and get back to me, but with no resolution. I called again on XX/XX/XXXX to inquire and they indicated they would resolve the issue in 5 business days. On XX/XX/XXXX, I received a letter from Citi stating that they had investigated my case and that I was not eligible for the {$400.00} because the checking account had been closed, whereas the terms state the account must be in good standing. I thought the promotion was for a savings account and didn't realize the checking account had anything to do with this. The savings account was still open and in good standing with the required balance, and I had take no action to close the checking account. I called Citi customer service on XX/XX/XXXX to ask about this. They confirmed that I would not receive the bonus because the checking account had closed because of a XXXX  balance. 

This seems unethical because there is nothing in the main terms of the promotion that there must be activity in the checking account, only that there must be a minimum balance. I see that in the fine print of the promotion, it states that if you happen to deposit the full amount in one account but not the other, they will close the account and void the promotion. If I had simply moved a small amount to the checking account, I would have received the bonus. This does not seem fair, especially since they sent me an email on XX/XX/XXXX confirming that I would be receiving the bonus, even after the checking account had been automatically closed without any notice to me. This fine print term is clearly a misleading advertising tactic to XXXX their customers and does not seem like a fair term to include.

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 2019-01-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TN

Complaint narrative:
I sent an insurance claim check to PennyMac in the amount of {$33000.00} ; they received and cashed on XX/XX/XXXX. I submitted all information they required with exception of contractor 's license and signed XXXX. The contractor has now backed out because of the length of time this is taking to get funds disbursed. 

I sent a written request to Pennymac on XX/XX/XXXX along with estimates for materials needed for the repairs. I need to go ahead get the materials ordered before they are no longer available. They advise it takes 2 days to process your request, so I called on XX/XX/XXXX to make sure they received the request and confirmed they did. I called back on XX/XX/XXXX to get an update on the request and was told they needed signed XXXX and license from contractor. I explained the request was to release funds to buy materials only, not pay contractor which was very well explained in my request. I was told they would put in the request that day, XX/XX/XXXX and would have an update for me no late than XX/XX/XXXX and would be good idea for me to call back because they probably would not contact me. 

I called back on XX/XX/XXXX and was told the request had to go to their " corporate '' office for review and it could take an additional 11 days for a decision and the request was submitted to corporate on that day, XX/XX/XXXX. I was told again to call back to check status next week.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 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: IL

Complaint narrative:
Filed a dispute on XX/XX/XXXX and still do not have resolution. It has been longer than 30 ays, right at 45 days now and still no answer.

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 2019-01-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under Credit Systems International Inc and I requested a validation on the same date. On XX/XX/XXXX as no response had been received and the account continues to reflect on my credit report and does not reflect that the account is being disputed.Based on their failure to validate this account adequately and despite my dispute, this account is still reflected on my credit profile and continues to negatively affect me.

Company response to consumer: Closed with explanation