vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Revenue Assistance Corporation dba Revenue Group
State: OH

Complaint narrative:
I have repeatedly asked The Revenue Group not to call my phone number and they are so rude every time even telling me on XX/XX/XXXX Thats fine maam, well call tomorrow I know this is hareassment as I have repeatedly asked this company to stop calling my cell phone from 20 phone numbers ringing once and hanging up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
We are reaching out for help, with the hope you can help keep a family in their home. We have a son with XXXX XXXX XXXX. After enrolling into an educational program, he lost his XXXX in XX/XX/2016. Anyone familiar with this diagnosis is aware there isnt a magical cure or treatment. We fought, and eventually were able to have it reinstated. But during this time, we were dependent on our savings and fixed income. 

Because of our tax return, we were able to get to XX/XX/XXXX without missing a payment. With just XXXX paycheck, medical expenses and XXXX children, even with our best efforts we fell behind. When we were finally on our feet enough to be able to put together a month or two, our bank declined the payment. They wouldnt take our money or work with us to make it right. We wanted to get back to paying on time, as we had before, but they said they wouldnt do anything until we paid the entire balance. 

For twelve months, weve been working on trying to get back on track. Weve been battling simultaneously for our sons XXXX, which has been resolved, and also to keep our home. Weve filled out, collected and sent in paperwork over and over because it always somehow got lost. Id receive letters in the mail, but every single time I tried to reach someone on the phone, Id be on hold forever and never reach anyone. It was, and is still a nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
Freedom mortgage is reflecting late payments XX/XX/XXXX and XX/XX/XXXX which is inaccurate. Our payments are automatic from the bank and are not late. In fact we found they had our full payment and didn't apply it to the mortgage. they even waived any late fee when they found the error. They should NOT reflect a late payment history on the mortgage. Unacceptable. # 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 2018-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: NJ

Complaint narrative:
Phoenix financial services LLC has sent me a past due bill from a date of service 6 yrs ago. The bill is from a doctor half way across the country that I have never seen. The collection agency is asking me to send {$900.00} on behalf of XXXX XXXX XXXX XXXX XXXX. XXXX Never heard of either business/ practice

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
To Whom It may Concern, I am writing this letter in regards to my Capital One Account. 
The account that I had with Capital has been paid in full and is not being reported on my credit report correctly. A letter was sent to me about my account and stating that the account was updated. As of today my information from the Credit Bureau have not been updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XX/XX/XXXX credit reporting shows account open. 
XX/XX/XXXX credit reporting shows account closed and states that a foreclosure action has begun, Which is incorrect, the foreclosure action what started XX/XX/XXXX. 
XX/XX/XXXX credit reporting states they count remains closed. 
XX/XX/XXXX credit reporting shows that the mortgage account had been removed from my credit report, even though the foreclosure action was still in litigation in court. 
I have requested from XXXX XXXX XXXX accounts relationship manager, XXXX XXXX, to investigate why the account was closed and removed from my credit report. At present a formal investigation has not begun and it XXXX XXXX insist that the account is still open and litigation remains in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ProCollect, Inc.
State: TX

Complaint narrative:
We moved into XXXX XXXX XXXX in XX/XX/XXXX as we had sold our house quicker than expected. We closed on our new home on XX/XX/XXXX and moved out of XXXX XXXX on XX/XX/XXXX, at which time we were told by XXXX XXXX that our account was paid in full and had a XXXX balance. A considerably long time after that, we received a letter from Pro collect stating we had been placed in collections, at first they told us we had moved out in XX/XX/XXXX, not XX/XX/XXXX. I repeatedly told them their information was incorrect, but they kept on sending me collection letters, I asked for the information that was provided to them by XXXX XXXX, & it is false. I have tried numerous times to contact pro collect without success and have filed several disputes through experian again without success. I believe the actions of this debt collection company is in breach of the Fair Credit Reporting Act.

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 2018-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American Express openly admitted to " Closing an account that supposedly they have the assumption i opened. '' Firstly the address that is in their response letter that they stated they sent to me is not my address. I have not ever lived at XXXX XXXX XXXX in XXXX TX. Nor have i ever applied for any American Express online. I am reporting this as identity theft as i never opened any American Express account online, i never applied for any American Express cards. Never received any letters from your institution warning of " Dispute billing abuse '' never once received a call. I have never called in to your institution you have no proof of any of these accusations. You stated the " Caller '' verified my phone number and asked to be reinstated, I wouldn't have called in to your company asking for any card to be re instated that i never opened in the first place. Nor would i verify my phone number. Again this fraudulent person committed IDENTITY THEFT. I am going to attach the FTC report to this CFPB case since you continually avoid facts that i am providing to you. You never provided resolution, did not actually research this issue. I never made payments to the account, nor did i ever initially receive any cards from your institution. I don't dispute things with cards i use. So again that would have to have been the fraudster disputing items. You never called my phone to notify me of anything, i never once received any letters or calls from your institution. I have found out just recently from your customer service agent about this account that was opened in my name like you stated " ONLINE ''. You continue to inaccurately report this and abuse the FCRA. So if you warned anyone of any of these " Disputes '' where did the letters go? I never received anything from your institution, yet you state you verified i did. Clearly your evidence is false and you are falsely providing accusations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I made a money transfer from through my Citibank in the amount of {$10000.00} which was to be applied to my father 's mortgage with XXXX XXXX XXXX via XXXX XXXX XXXX. While doing the transaction online I didn't know what account number should be listed as the " Beneficiary Account '' number so I called Citibank and they told me my stepfathers loan number should be listed. The transaction was done on XX/XX/XXXX. In XX/XX/XXXX I went to pay the mortgage and realized XXXX didn't receive the money for the mortgage. Since then I've been trying to get Citibank to modify the transfer with the correct " Beneficiary Account '' number with no success. I've tried to have them recall/cancel the transaction with no success. I've called and spoke to managers and the last manager told me they've been sending federal wire messages to XXXX XXXX and they are not responding. I had my lawyer send Citibank as well as XXXX XXXX letters and still nothing. The last time I spoke with a manager at Citibank they told me if XXXX XXXX does not return the money then we will not get the money back. This is really unacceptable. My stepfather is on the verge of losing his house to foreclosure because of this and neither Citibank nor XXXX XXXX or XXXX will do anything to help. XXXX told me they can not do anything because the issue is on Citibank not on their side. XXXX XXXX told me they can't speak to me because I don't have an account with them. I need to get this money back sooner than later to save my stepfathers house. Any help would be greatly appreciated. I can be contacted at XXXX for additional details. 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 2018-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Pinnacle Credit Services, LLC
State: WV

Complaint narrative:
I have sent this company police reports, FTC affidavit, I have called them repeatedly and they never fix the problem. I have been talk to you rudely, I have been hung up on, I have been told it is never going to come off my credit report unless I pay. I've been called a liar. This company is ruining my credit and they need to remove what they have on my credit report because it is identity theft and I have proven it to them time and time again

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
To Whom It may Concern, I am writing this letter in regards to my XXXX   XXXX Account. 
The account that I had with XXXX has been paid in full and is not being reported on my credit report correctly. A letter was sent to me about my account and stating that the account was updated. As of today my information from the Credit Bureau have not been updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
To Whom It may Concern, I am writing this letter in regards to my XXXX   XXXX Account. 
The account that I had with XXXX has been paid in full and is not being reported on my credit report correctly. A letter was sent to me about my account and stating that the account was updated. As of today my information from the Credit Bureau have not been updated.

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 2018-05-23 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: NC

Complaint narrative:
Equifax continues to report on my credit report that I have filed a Bankruptcy that was discharged but in fact I never completed the process according to the US Bankruptcy Court of XXXX, NC and that my case was neither dismissed or discharged and that nothing should be reporting on my credit report and I also provided Equifax with the documentation from the US Bankruptcy Court of XXXX, NC.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
On or about XX/XX/2002 I tried to file a forbearance with then Sallie Mae ( Navient ). I had just had my XXXX child and had not found adequate work to pay my loans. The loans were near default when I called the provider. They promptly sent the paperwork out to complete and return. After doing so the provider let my loans default and when I heard from them again. They used pressure tactics to get me into a rehabilitation program which I signed on and then began to pay the payments to which I could not afford. I ended up having to sell my house and move which is when they were not able to find me and I let my loans slip into default again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
A personal loan account appeared on my credit that was obtained fraudulently by my then fiance. This loan should have never been issued and was NOT authorized by myself. XXXX   should require more identification to issue loans. Second of all, they have never reported correctly in regards to balance, status, and payment information. They are reporting a 30 day late in XX/XX/2017. Please remove this entire fraudulent account off of my 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 2018-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: CHECK INTO CASH INC.
State: AZ

Complaint narrative:
Says i have a loan approval but it just takes me in circles

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I received a communication from Home Depot ( Citibank ) regarding a credit card charge. I immediately contacted Home Depot and after remaining on hold for more than an hour, I finally reached some one who directed me to Citibank. I called them and explained that I had never applied for a Home Depot card and did not have one. The person I spoke to assured me that they would send it on to the fraud department. They said that someone had applied for the card in the store and they would start an investigation. 

Then about one month later, I received a call with a recorded message that my account was overdue with new charges. I had another long session on the phone with someone named XXXX and employee number XXXX. He repeatedly asked me for personal information even after I explained the situation. I resisted but finally relented, after which he continued to ask me to make a payment on the account. I was finally handed off to a supervisor, who admitted that the account was flagged and saw that I had contacted them previously. She put me on hold, then returned and said the Fraud department could not be reached. This occurred Saturday, XX/XX/XXXX. 

Today ( Wednesday, XX/XX/XXXX ) the recorded calls started again, asking me to call the same number. I would like these people to straighten this out on their end and never bother me again. I promise I will never open an account with them. I have no account number because I have no account or documentation because I have no account. They can only find me by using my name and phone number.

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 2018-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Creditor's Collection Service, Inc.
State: WV

Complaint narrative:
I have attempted to resolve this debt with this collection agency. They have told me that they can not locate my file. I have sent them my FTC report and police reports but they tell me that I do not have a debt with them. However is that is being reported to the major credit bureaus

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: COMMERCE BANK
State: CO

Complaint narrative:
In XX/XX/XXXX, I opened up a new checking account with Commerce Bank. They had a public promotion offer available that would pay {$200.00} after a month of keeping account open. I put in {$5000.00} in the checking account per requirements and kept the money in there the whole time. I did not receive the {$200.00} bonus and reached out to the bank for the first time in early XX/XX/XXXX. I talked to a rep that said they would open up a case and get back to me within 2 days. No one contacted me and I reached back out to the bank on XX/XX/XXXX. The rep filled out some internal form and said I should see the bonus post within 7 days. I called back onXX/XX/XXXX and inquired again from a rep named XXXX. She filled out the " form '' yet again. I did not see the bonus or hear from the bank again. On XX/XX/XXXX, I reached back out to talk to a supervisor. At this time, he advised that the bonus was only for certain targeted customers. I told him that it never stated that in the terms and that it was a general public offer. He told me that he would escalate to the Consumer Advocacy department. I still have not heard from him or that department. It is really frustrating because I held up {$5000.00} of cash in this account that promised to issue the bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Risecredit, LLC
State: TX

Complaint narrative:
A personal loan account appeared on my credit that was obtained fraudulently by my then fiance. This loan should have never been issued and was NOT authorized by myself. Rise should require more identification to issue loans. Second of all, they have never reported correctly in regards to balance, status, and payment information. They are reporting a 30 day late in 2017. Please remove this entire fraudulent account off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I have had an AMERICAN Express XXXX Skymiles card for just under 20 years. Last week I received via postal mail a letter stating my XXXX skymiles card was going away and I would be moved at not cost to me to the Gold card. The funny thing about the letter was it stated that the current card was free. I was pretty sure I pay {$50.00} bucks a year for a fee. Well today I get my monthly bill and sure enough I have a {$50.00} fee for annual fee. 

I decide to click on card options and the exact card I have is showing on the AM X web site while I am logged in as carrying NO FEE. 

I did an online chat and it only left me more confused as the agent told me that the no fee card was going away and starting next year I would pay the XXXX fee for the gold card. Yet the card I currently have is listed and shown exactly as mine available at NO FEE. So if I am being charge {$50.00} then it is not a free upgrade. I also understand that XXXX apparently made my card free last year yet they still charged the {$50.00} annual fee last year. 

I asked if all customers were paying for the free card and was told during the chat yes you are all be treated the same. 

I am pretty certain if you were to go to AM X and click on various cards and pull up the XXXX card you would also see that it clearly states NO ANNUAL FEE. So makes zero sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GLENN ASSOCIATES MID-ATLANTIC, INC
State: WV

Complaint narrative:
This account as a result of identity theft. I have trying to speak to these people and they are insistent that I give them money but I do not know them and I have tried to tell them multiple times at this is not my account they have called me repeatedly they have damaged my credit and I need this fixed immediately

Company response to consumer: Closed with explanation