vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-24 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Phoenix Financial Services LLC
State: NJ

Complaint narrative:
I received a call on XXXX/XXXX/XXXX at XXXX eastern from Phoenix Financial Services saying I owe money to a hospital from XXXX XXXX ( it is XXXX XXXX ). I was told the debt is over {$400.00} because " your insurance does n't cover it. '' He may or may not have given me an exact amount. The rep kept talking over me. 

I tried multiple times to ask him for some specific information as ( 1 ) I have not received anything in the mail from Phoenix Financial Services, nor recall receiving a hospital bill ; ( 2 ) the rep did n't identify the hospital, only a medical billing service ( XXXX? ) ; ( 3 ) I do n't know if this is supposed to be for me, my wife, or son ; and ( 4 ) I did n't ( and still do n't ) recall a hospital visit. I tried telling him that I 'm not going to pay something, especially over the phone, that I have no idea what it is being collected and this is the first time, I believe, that I am being notified. 

The rep was more interested in offering me " a huge discount '' but I " had to pay now ''. After asking at least 3-4 times for more information, I asked for a debt verification. The rep got angry and loud, called me a " pro at avoiding your debts '' and threatened to " report it and affect your credit. '' With that I hung up as I was not going to bullied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 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: LEXISNEXIS
State: AZ

Complaint narrative:
XXXX XXXX received a certified letter from me dated XXXX. XXXX XXXX received XXXX. Requesting XXXX XXXX to verify how they verify the information on my report. I have not heard back from them. It has been more than 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
Withdrawal was made from the account I had by others.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: ND

Complaint narrative:
I have filed a complaint with American Express regarding their XXXX miles promotional offer based on which I applied and received this credit card. It has been 6 months since I had the card and I still do not have the miles even though I met the criteria in the first month. I was told there was an " issue '' they are investigating and that I will receive a final answer by XX/XX/XXXX. Of course, this did not happen and every time I contact them they say wait more. Last time I spoke was with a supervisor named XXXX via chat on XX/XX/XXXX at XXXX XXXX central time ( chat ID : XXXX ) and he said the case was still open which strange because I was told before it was closed. He also said that there are other customers who have the same issue. This was the first time I heard that and they never want to say what the issue was. I asked for legal department contact information and he said they do not have one. This is clearly fraudulent advertising and what makes it more appalling is that they continue to send me emails with the same add.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 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: NJ

Complaint narrative:
There are unknow unauthorized inquiries on my Experian report. Specifically, I did n't give authorization for my credit to be ran numerous times by Equifax solutions on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX. I did n't authorize it united auto to run my credit on XXXX/XXXX/XXXX. I did n't authorize XXXX XXXX  to do a hard inquiry on XXXX/XXXX/XXXX. I did n't authorize XXXX XXXX XXXX on XXXX/XXXX/XXXX or XXXX XXXX XXXX on XXXX/XXXX/XXXX. Moreover, clarity was not authorized on XXXX/XXXX/XXXX or XXXX/XXXX/XXXX. Moreover, there are numerous inquiries from XXXX credit that are unauthorized on my report. Please have these inquiries removed immediately.

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 2017-10-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
Borrowed {$20000.00} in XXXX. Have paid {$14000.00} in interest. I now, XXXX years later, owe {$21000.00}. Navient has just driven my payment from XXXX a month to XXXX! Please help. This ca n't possibly be legal!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 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: MA

Complaint narrative:
I have filed a number of disputes with Equifax regarding erroneous information appearing on my credit report, specifically a " charged off '' balance of {$XXXX} from XXXX XXXX XXXX due to identity theft. Each time they have responded back with a resolution putting the information back on my credit report, simply stating that the company has verified my identity and correctness of the item and told me I need to contact the creditor, though the account number that Equifax has given me does not exist when I call the creditor, therefore I am in a Catch XXXX regarding this item.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Baker Recovery Services
State: CA

Complaint narrative:
In XXXX I fell victim to an online payday lender, XXXX. This company is owned by the XXXX XXXX XXXX tribe and was a scam. Neither XXXX or XXXX XXXX are licensed in the state of CA therefore, any and all loans or agreements are null and void. 
I received multiple calls and was harassed at work by XXXX, until I made them aware that they are not licensed and they need to cease and desist. 
The calls stopped and I had not heard about them until recently. 
I checked my credit report as I had been being turned down for things and I noticed my score dropped. XXXX XXXX sold this illegal debt to a company named Baker Recovery Services - I immediately initiated a dispute with the credit reporting agencies, and I also emailed the owner of Baker Recovery Services. I let her know this debt is illegal and it is illegal for her to be reporting it on my credit report. She would not give me their license number either, and kept giving me the runaround. When I asked more questions she stated she would not longer email but would speak with me on the phone due to me threatening her. I was n't threatening anyone. I was exercising my legal rights. I need them to remove the illegal debt from all of credit reports and not to sell it to anyone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
The draw period on my Bank of America HELOC is expiring. I can not afford the payments on the amortized portion of the loan. I contacted BOA to request a modification or extension of the term. They declined my request because I am not delinquent or in foreclosure on the debt. For the past 10 years I have never made a late payment on the HELOC, so they tell me I do not qualify for one of their programs. I believe I am being penalized and denied because I am NOT delinquent. I am trying to continue to pay this loan on time and in full. I am asking the bank to provide me with amortized fully amortized payments over a 30 year period, with a 10 year due date. I do not believe I should have to become delinquent, erode my credit and pay late charges and foreclosure fees, just to conform to one of their programs. 
The HELOC is a bank owned product. The bank does not sell this type of loan to investors, and therefore has a choice on how to help their customers. BOA never considers customers who pay their debts. The HELOC situation is becoming a huge problem that the banks will have to deal with. Other details are contained in the letters I have attached hereto.

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 2017-10-24 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: GA

Complaint narrative:
I am writing to file this complaint because Equifax & XXXX have failed to respond to my request to remove multiple inquires from my credit file that were not authorized. There are numerous inquiries showing on my credit report that I did not Authorize! I have disputed them over 4 times as well as made numerous phone calls regarding this matter and I get the same response few days later. This further lets me know they have not verified these inquires and continue to send me the same generic response. I have asked for signed consent from myself to any of the companies listed verifying I have giving authority to have my credit pulled which I have yet to receive. I am submitting this complaint with you today in hopes that you can help me! 

I understand that the FCRA states that the only permissible reasons for pulling someones credit is for : Firm offers of credit, Insurance, EmploymenXXXX and court order, none of the listed permissible reason apply to me. As I have NOT authorized anyone written, implied or verbally to pull my credit. I also am aware that Credit Bureaus are not allowed to put an entry on my file unless I have authorized it. I

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: FL

Complaint narrative:
I applied for a new auto insurance policy through XXXX XXXX XXXX for a new car I purchased on XXXX XXXX, 2017. XXXX XXXX XXXX has turned me down for a new policy because there are six entries that are erroneously linked to me on my Auto Claim History Results report from LexisNexis Consumer Center. This information has not allowed me to obtain auto insurance for a vehicle I have just purchased. I have sent LexisNexis many documents that proves that I am me and that I do not own more than one car. Six cars are on this report that are not mine! 

Could you please help?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BlueChip Financial
State: CA

Complaint narrative:
In 2015 I fell victim to an online payday lender, XXXX. This company is owned by the Blue Chip Indian tribe and was a scam. Neither XXXX or Blue Chip are licensed in the state of CA therefore, any and all loans or agreements are null and void. 
I received multiple calls and was harassed at work by XXXX, until I made them aware that they are not licensed and they need to cease and desist. 
The calls stopped and I had not heard about them until recently. 
I checked my credit report as I had been being turned down for things and I noticed my score dropped. XXXX XXXX sold this illegal debt to a company named XXXX XXXX XXXX - I immediately initiated a dispute with the credit reporting agencies, and I also emailed the owner of XXXX XXXX XXXX. I let her know this debt is illegal and it is illegal for her to be reporting it on my credit report. She would not give me their license number either, and kept giving me the runaround. When I asked more questions she stated she would not longer email but would speak with me on the phone due to me threatening her. I was n't threatening anyone. I was exercising my legal rights. I need them to remove the illegal debt from all of credit reports and not to sell it to anyone.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Went to XXXX 's location at XXXX XXXX last XX/XX/XXXX - Was looking for XXXX but got lost - Was looking for a cheap food-processor - Effectively found one on a table with a sign " ON SALE " for {$36.00} - Asked a clerk from another department if the price was right and she said " Yes " - Then she asked me if I wanted to sign up for a membership card? I said yes! She told me that I 'd receive a letter home in few weeks - She never told me that it was a credit card from XXXX 's ... I paid the item with my debit card and few weeks later I receive a bill - Never received any physical card - Wrote XXXX 's last month telling them about the issue - Called a XXXX number but it did not work - Then last week after a XXXX number called me I called back then a gentleman was explaining to me that I can ask for a new card or have an Ecard sent to me - I told him I 'm not working right now, how in the world I 'd get involved in debts? It does not make sense - I do not need XXXX 's credit card - Then he suggested me to inquire about my rights which I did asking my bank for help - They suggested me to file a complaint and then I searched your number guys - Do not know the difference between the Account number and the Card number - Never received any card 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 2017-10-24 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I tried talking to the credit bureaus in regards to identity theft and they just ignored me I sent in a identity theft affidavit notarized and sent certified and was still ignored

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 2017-10-24 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:
I am writing to file this complaint because XXXX XXXX Transunion have failed to respond to my request to remove multiple inquires from my credit file that were not authorized. There are numerous inquiries showing on my credit report that I did not Authorize! I have disputed them over 4 times as well as made numerous phone calls regarding this matter and I get the same response few days later. This further lets me know they have not verified these inquires and continue to send me the same generic response. I have asked for signed consent from myself to any of the companies listed verifying I have giving authority to have my credit pulled which I have yet to receive. I am submitting this complaint with you today in hopes that you can help me! 

I understand that the FCRA states that the only permissible reasons for pulling someones credit is for : Firm offers of credit, Insurance, Employment and court order, none of the listed permissible reason apply to me. As I have NOT authorized anyone written, implied or verbally to pull my credit. I also am aware that Credit Bureaus are not allowed to put an entry on my file unless I have authorized it. I

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 2017-10-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
We have a property that has been for sale since XXXX XXXX. For most of this time period the property has been under contract ( 4 separate offers ) and awaiting response from the mortgage company. The first offer, buyers walked away because it took too long for a response. The second offer, mortgage company countered, buyers increased offer and again the mortgage company did not respond in a timely manner. When the closing date came and went the buyers threatened to sue us for breach of contract if we did not reimburse them for appraisal, inspection, and survey fees ; which we did. The third offer, buyers walked away because again the mortgage company did not respond in a timely manner. 

The current offer is a full price, cash offer of {$290000.00}. The contract was submitted on XXXX/XXXX/XXXX with a closing date of XXXX/XXXX/XXXX. The mortgage company requested to extend the closing date to XXXX/XXXX/XXXX, all parties agreed. We were advised by our point of contact that once we submit an offer close to or the exact amount of {$290000.00} it would not take long for them to review the file and issue a decision. Today is XXXX/XXXX/XXXX and we are still awaiting a decision from the mortgage company. Although we have been very prompt in submitting all documents and information requested, the mortgage company is unacceptably slow to process the sale which is causing anxiety to both parties. 

Any assistance you can give us in resolving this matter will be greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 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: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
First national bank purchased my accounts from XXXX XXXX XXXX transferred my non fee based accounts into fee based and then subsequently drafted service fees until the account was empty.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 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: MI

Complaint narrative:
I tried talking to the credit bureaus in regards to identity theft and they just ignored me I sent in a identity theft affidavit notarized and sent certified and was still ignored

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 2017-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XXXX XXXX I attempted to send {$1000.00} to a person via Bank of America mobile banking app from my XXXX with the app BoA provided to me. I sent the money to a telephone number, one of 2 choices the other being an email address. This was a domestic transfer to a person that provided me with a service, boat transport. BoA sent the money to a foreign account, unknown to me, they do n't provide any infomrmation. The person I sent the money to has no foreign accounts. I provided no banking information for the person that was to receive the money, only a phone number. They have had their number for well over 10 years, not a new phone number. BoA claims they followed my instructions so they are blameless. They clearly did not. They found the incorrect link to a bank account, not me. This is not the first online problem with BoA in the past 9 months but the only one this complaint is concerned with. 
They clearly need to return the fraudulently transferred money. 
Claim number XXXX. 
Account ending in XXXX. 
XXXX XXXX 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 2017-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
All of my old history has been deleted from my equifax report. This has caused my credit score and history to go down drastically and when I call Equifax they have transferred me to different people all saying the same thing that there is no history of anything being deleted.I have proof from my previous monthly report and have offered to submit to them but they say nothing they can do so I need to contact my credit card company which i have and they assured me that everything is being reported correctly by them. My history consists of all my good accounts from XXXX XXXX XXXX opened on XXXX, XXXX XXXX opened XXXX, XXXX opened XXXX, XXXX opened XXXX, XXXX XXXX XXXXs opened XXXX, XXXX opened XXXX. I have also attached proof of the accounts being on my report

Company response to consumer: Closed with explanation