vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-10 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX   XXXX  #  XXXX  bod  XXXX / XXXX /    XXXX    XXXX   XXXX    XXXX    XXXX   XXXX   XXXX    XXXX      XXXX   and Experian will not update my correct credit limit on my  XXXX   XXXX   XXXX  credit card account the correct limit is {$2200.00} with balance of  XXXX  correct my balance and credit limit

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 2017-05-10 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: CITIBANK, N.A.
State: FL

Complaint narrative:
To whom it may concern, On the early mid-night morning of   XXXX   a unauthorized individual type inquiry was performed on my Credit Report by " CBNA, National Credit Cards/ Airlines ''. The inquirer 's address is listed as   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , SD  XXXX , Phone :   XXXX   XXXX   XXXX   XXXX  . This unauthorized inquiry is affecting my FICO score.
When questioning the representative of the CBNA ( Citibank ) regarding this inquiry, he passed me over to the Credit Cards Dept not before verifying my Citi Credit Card number in my possession. Another rep verified my security code information and then I was placed on hold and later returned with a response that they did not know who did that inquiry. That I should contact   XXXX   and make a dispute. Furthermore, she did not have a clue who CBNA, National Credit Cards/ Airlines was to which I responded : " This is Citibank of North America . They issue cards under other names, Sears, Store Cards etc. '' I again told her that I did not applied for any kind of credit card or anything to trigger a hard-pull inquiry. That I have a 2 credit monitoring systems activated ( Creditwise and My IDcare ) and I was able to see the information of who did it with the address and phone number of the inquiry. I told the representative I was going to immediately close my existing Secured Citi- Card because of this. I 've held this card for 1yr 5 mo. with and excellent payment history.
After hanging up I proceeded to close my account by dialing the number listed on my Citi-Credit Card (   XXXX   ). The account was closed via automated voice prompts from Citi-Cards.
In view of this incident I am requesting that this unauthorized inquiry be investigated and removed form my report. I have tried in good faith to re-establish my credit after a job lost in   XXXX   XXXX   XXXX   during the recession. During that last 5 years and I have been successful in doing so and I have no intentions of smearing my efforts with incidents like these that no one wants to account for. I had a very good solid credit history and I intend to reach my FICO score goal and keep it that way.
Respecfully,  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 2017-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
On  XXXX   XXXX ,  XXXX , my wife and I closed on a property purchased, with a mortgage approved by  Citizens  Bank. Up to that date, there was a line item of " adjustments and other credits '' of {$2500.00} for numerous documents we received from the bank since last  XXXX . On  XXXX   XXXX , I noticed the {$2500.00} credit was removed, and I had to pay @ the closing the additional {$2500.00}. When I spoke to the representative that day who had worked with me since the application was submitted, he told me if I did n't pay the additional {$2500.00}, the loan could not be closed, and a new application would have to be submitted.     On numerous dates following  XXXX   XXXX , I submitted documentation to Citizens and they never provided a satisfactory explanation of why I would not receive the credit adjustment. I was told such things " We thought you provided the seller {$2500.00} as a down payment '', " there was no record of a deposit made of {$2500.00} prior to the closing ''.   The  Citizens  Bank mortgage representative knew there was never a deposit since we provided routinely all deposits made which were earmarked for the closing.     I faxed documents to Citizens Bank in  XXXX   XXXX , and again in  XXXX ,  XXXX  Finally, another Citizens representative, who told me to fax all documents for their review, left me a voice mail on  XXXX   XXXX ,  XXXX  in response to my fax on  XXXX   XXXX ,  XXXX  @ my office saying that she was referring my complaint to the office of the Chairman, and I 'd receive a response with in 3  business days. I never did receive such a response.     I am attaching documentation, sent previously to Citizens Bank which supports the costs and credits represented.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
I received a Collection Notice in the mail for an amount of {$3500.00} from Phoenix Financial Services LLC dba Indiana  XXXX   XXXX   XXXX . Phoenix said they were contracted by  XXXX   XXXX   XXXX   XXXX   XXXX . Phoenix assigned an Account #  XXXX . They offered in their letter to provide a discounted settlement of {$2500.00}. There is no reference to where this originated and prior to this I have never seen a bill from a Hospital or ER for any type of Services this size. Also, I have had insurance for years and again have never seen a bill for anything this size.     I am building a new home and working with my Mortgage Company,  XXXX . I had a low  credit score  from  XXXX  and when I asked  XXXX  what was being shown that I owed, they referenced  XXXX  Account numbers from  Phoenix Financial Services. Phoenix had  split the {$3500.00} and showed it as  XXXX  derogatory reports to  XXXX .  XXXX  for {$1000.00} and the other for the {$2500.00} which they keep adding interest too. They claimed they were making a deal with me to pay less but in fact they had split the amount into  XXXX  Accounts  XXXX  and  XXXX . I believe these are false charges. My insurance would have paid any claims. I saw online that this same group o f Phoenix Financial Services a nd  XXXX   XXXX   XXXX   XXXX   XXXX  have scammed other customers and ruined their credit to make them pay something they never owed in the first place.  One  customer stated " When I received the " original charge '' fro m Phoenix Financial Services, I found that Phoenix ha d obtained my information from  XXXX   XXXX   XXXX   XXXX   XXXX , including my name, credit card number and social security number. I then checked my records for the  XXXX / XXXX / 2013  emergency room visit and found that I had paid the {$65.00} at the time of service. The charge on my credit report was false! ".     This is what I believe has happened to me. I do not owe this money. I believe that  XXXX  is to blame and is in this wi th Phoenix Financial. Phoenix th en split the charge  XXXX  gave them and reported me to  XXXX  and I am not sure if they have to anyone else. They created  XXXX  Accounts and acted like they were doing me a favor by charging me less while not notifying that they have also reported the {$1000.00} they were claiming to give me off as another delinquent charge.     Should I call them? I was instructed by my Mortgage Company to contact CFPB first. This is a scam that has hurt my credit. The removal of these  XXXX  charges would move my  Credit Score fr om  XXXX  to  XXXX . That makes a huge difference in what I qualify for. Can you please help me! My name is  XXXX   XXXX . My email is  XXXX  XXXX  XXXX  and my  Mobile  number is  (   XXXX  )  XXXX .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Phoenix Financial Services LLC
State: WA

Complaint narrative:
My  XXXX   XXXX   XXXX  son died on  XXXX  's  XXXX  last year.  Phoenix Financial LLC Keep s calling my personal cell phone to collect a debt that my dead son owes. I have repeatedly asked them to stop calling me, that  XXXX  is dead and it is extreamly upsetting to be reminded of his death every time they call. Also, when they call asking for him, I ask who they are and they wo n't tell me, but it 's the same number every time. I had to call back after they kept hanging up on me after inquiring their information. I finally got their name and address.   This is not my bill. My son was  XXXX   XXXX   XXXX  and had   XXXX   XXXX  . He had many financial problems due to his  XXXX . He died at home on hospice in my arms. I suffer from  XXXX  because of his traumatic death.   Please, please make them stop harassing 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 2017-05-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Account Recovery Services, Inc.
State: AZ

Complaint narrative:
ACCOUNT RCVY SERVICE  XXXX  ACCOUNT RCVY SERVICE Address :  XXXX   XXXX   XXXX   XXXX , AZ  XXXX  (  XXXX  )  XXXX  Account Number :  XXXX  Original Creditor :  XXXX   XXXX    XXXX   XXXX   Collection account. {$1400.00} there is also an amount of {$3500.00} that belongs to another family member who is  XXXX  and never authorized those   XXXX   prescribed by a Doctor.

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 2017-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: FL

Complaint narrative:
receivables management sv c is reporting false information to all  XXXX  credit bureaus. they are attempting to collect for services I never had. credit reporting amount of {$590.00} that I do not owe. I have reached out for a debt validation and gave them 30 days to respond but I never heard anything 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 non-monetary relief
Consumer complaint received 2017-05-10 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TFC Group, LLC
State: CA

Complaint narrative:
Trading Financial w ill not submit any payment history, statements, payoff letter or any of my requests for tangible copies to a title loan I got from them for {$5000.00}. I have made several attempts to call and email for this information and they do not respond.   In addition the payments I have made for the $  XXXX /month owed have been for $  XXXX  mos  and above. That was 22 months ago.  Three  months ago I asked over the phone what is my payoff balance and I was told " {$3800.00} ''. I requested payment history, provided an email address in which to send it to and got nothing.   Yesterday I called again, they said my account was in " recovery '' ... I explained I 've paid extra every month, where is the payment history that I never received? I asked what is today 's payoff balance? They said " {$5100.00}!!! '' I ca n't get an answer from these people as to why, what or anything and I have no idea if they are practicing legitimately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 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: VA

Complaint narrative:
XXXX   XXXX  #  XXXX  bod  XXXX / XXXX /  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Transunion  XXXX  and  XXXX  will not update my correct credit limit on my    XXXX     XXXX   XXXX  credit card account the correct limit is {$2200.00} with balance of  XXXX  correct my balance and credit limit

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 2017-05-10 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: VA

Complaint narrative:
XXXX   XXXX  #  XXXX  bod  XXXX / XXXX /  XXXX    XXXX   XXXX  CT  XXXX  VA  XXXX   XXXX  Equifax and  XXXX  will not update my correct credit limit on my  XXXX   XXXX   XXXX  credit card account the correct limit is {$2200.00} with balance of  XXXX  correct my balance and credit limit

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: IL

Complaint narrative:
I rented a car paid for with  my U.S. Bank Visa  card. The car had over  XXXX  miles on it and had a carbon monoxide leak unbeknownst to me. I became unconscous while driving due to the carbon monoxide poisoning and crashed into a telphone pole. I filed all papers in my possession and asked the rental car company for repair documents, etc, which were never in my possession. They iniitially said they would provide them but then ignored my ema ils. U.S. Bank refused to proess the claim because they said " I should have kept copies of the papers. '' I did keep copies of the papers in my possession, but obviously I could n't get copies of papers the rental agency refused to provide. U.S. Bank refuses to reimburse me

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 2017-05-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I reached out to  XXXX  an d Trans Union  to get the information on my credit report updated and accurate. I asked for them to please send me verification of the debts I am contesting according to the Fair Credit Reporting Act, Secti on 609 ( a ) ( 1 ) ( A ), y our company is required by federal law to verify - through the physical verification of the original signed certified consumer contract. I received letters back that they had verified them but I did not get any documents with signatures or proof in regards to these debts.

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 2017-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Pacific Union Financial, LLC
State: OH

Complaint narrative:
Pl ease consider this correspondence to be formal complaint to the denial of loan modification because your company failed to provide the required notice of additional required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore, this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ).    The denial letter was also not received for an appeal period to be responded to until  XXXX / XXXX  /2017 and  the file was denied  in  XX/XX/XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: General Credit Services
State: IN

Complaint narrative:
I attempted to contact the person by the name of  XXXX  regarding a debt we were disputing and wanting more information before making payments related to an account from the hospital that I informed the collector that we had not received. The rep spoke rudely to me and threatened to take action and stated that I was refusing to pay the account since I would not commit to a payment plan. She also states that she sent them to me, I informed her again that I did not receive it and she would not agree to send me another copy of that. She just told me to contact the hospital. In addition I am deeply concerned that the collector is not taking action to verify my identity when calling such as verifying my date of birth or other verifying information to ensure they are not releasing information to an unauthorized party. They have never done this. In addition they have been reluctant to work with me in the past and continue to call me while I am at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: IL

Complaint narrative:
Freedom Mortgage did not pay our property taxes out of escrow on time. The bill was due on   XXXX   XXXX  . The taxes were delinquent as of  X/X/17   . On   XXXX   XXXX  , I notified them in writing of their error. It is now   XXXX   XXXX  , and we received another delinquent notice from  our county  treasurer office as well as additional late fees. We are worried their error will affect our good credit ratings. I followed up today, and the representative read me notes that they called  our county  clerk and were told there were no taxes due. I highly discourage anyone from using this company. I have had to spend over 4 hours in phone calls rectifying their mistake, and I still do n't have my property taxes paid.

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 2017-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: IA

Complaint narrative:
Convergent Outsourcing wants me to call a phone number about a debt. I have no debts. That company 's phone number in the message was  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 2017-05-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My name is  XXXX   XXXX . I have several accounts listed on my credit reports that are listed incorrect information *violations of sect  623  fcra*. Transunion and  XXXX  will not remove this accounts. I have disputed this information and they only will allow me to re-dispute the information which results in the information remaining on my account. I called today to both agencies to have this information deleted, but was advised I had to place another dispute. I can not log in online with either of these companies  (  which I am assuming is due to my continued disputing this inaccurate information. ) The accounts are   XXXX   XXXX   XXXX    which shows  19  120 day late payments ( missed payment violation ) sect 623 fcra states an account cant be listed more than 90 days past due which it shows  120  on both sites.   XXXX   XXXX    account is a violation of a hippa agreement.  XXXX   XXXX   XXXX   XXXX  I have no contractual agreement with and should also be removed from both reports.  XXXX  is an account that shows as a revolving credit which is inaccurate ( this is not a credit company and I have never had credit with them ).  XXXX   XXXX  bank is listed on my reports as charged off but was sold to a collection agency which is also a violation. An account cant be charged off then sold to a debt collector.

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 2017-05-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: NJ

Complaint narrative:
I noticed a debt in collections on my credit report, back in  XXXX . The medical bill does n't belong to me and I have not had an medical visits around that time. I then disputed the charges to all credit agencies. All three agencies held investigations, all three then concluded the charges were incorrect. I then contacted Commonwealth financial the creditor to inform them of the mistake. They agreed in  XXXX , after conducting their own investigations. But are now still knowingly reporting false debts on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
This shady bank,  Wells Fargo , will change your checking account type and thus account requirements for monthly fee avoidance and only notify you at the bottom of your online statement which I never really access. Then they charged a monthly fee by bumping up the requirements for the account whether it is minimum account balance, number of debit card transactions, or whatever else the requirements for waiving the monthly fee. Disclosures should be agreed upon before a switch can be made, or else they should have to close the account if they do n't get a positive agreement for the account changes.

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