vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Collection Management. Inc
State: MO

Complaint narrative:
I was first notified by phone on XX/XX/XXXX when Consumer Collection Management refused to give me any detail concerning the debt they were calling about. An attorney I spoke with said that as the creditor had turned this to a collector they would likely refer me to the collector. Since I could not get information from the collector I tried to call the creditor several times the following week and there was no answer no recording. I did not even know the amount being claimed until XX/XX/XXXX when it showed on my credit report. 
On advice I filed a dispute with all three credit bureaus written the next day and mailed return receipt the following day. I have since received all three of the receipts. As I understood that collections would not continue to contact me during the dispute process I didnt take further action while waiting for the companys response to the dispute. 
On XX/XX/XXXX I received a call that disconnected within seconds of my answer so I dialed the number back. When I realized it was Consumer Collection Management I turned on my recorder. I told her I had been disconnected and she informed me my file had been noted that I refused to cooperate and so the collector disconnected the call. I told her that there wasnt enough time for that to have transpired as the call was a few seconds in duration. I then stated my understanding that they should not be contacting me while this account was in dispute. She told me who they worked for and that the collections would continue regardless. She stated that they had been sending notices about this to an address on XXXX XXXX at which I have never lived. I told her this again as I had told them on previous occasions when they called and on their call of XX/XX/XXXX when they asked to verify my address. They knowingly continue sending notices to a place I have never lived and they keep telling me that will note my file that I refuse to cooperate. When I try to clarify they tell me they can not discuss the debt and hang up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I have had a Citi/Costco card since XXXX. 
I use it primarily for Costco purchases, and pay in full every month. 
I have always resided in Connecticut. 

on or about XX/XX/XXXX, I received an email notice from Citi that my account balance was {$11000.00}, and over my credit limit. 

My card has remained in my possession and has not been lost or stolen. 

Upon calling Citi, I was informed that a purchase using my card was made on or about XX/XX/XXXX, for services from a medical provider in California, XXXX XXXX, for {$11000.00}. The purchase apparently was made from XXXX, showing a XXXX change rate to US dollars. 

Despite inumerable red flags, Citi approved this charge on my account and reported it to the credit reporting agencies as overlimit, without reaching out to me in any way to verify this charge. 

The red flags included that this charge was completely atypical from my account usage over the several years I had this account, was for a very expensive one-time purchase, was an immediately over-limit purchase ( my other charges on the account at that billing cycle were for less than {$100.00} ), was made out of the country ( from XXXX ), to a medical provider across the country from my residence. 

This experience leads me to seriously question the safeguards Citi has in place to screen for fraudulent transactions. 

.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I filled out my information for a free credit score from experian.com and was denied my free credit score unless I paid a fee. There is no fee mentioned before I put my information to get my free credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Had my identity stolen in XX/XX/2019 and have hard inquiries from EXXON/Cbna that i did not authorize. I called them to have those removed and its been almost a half year later and they are still reporting on my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-31 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: AMERICAN ADVISORS GROUP
State: MI

Complaint narrative:
I highly caution anyone thats looking to do a reverse mortgage with American advisors group AAG to not do it! One hand doesnt know what the other hand is doing they stretch it out every day clicking up the charges for you. It takes 10 to 14 days in this computer age to get a pay off letter thats ridiculous. The sad part about this is this is geared towards senior citizens which could be considered elder abuse XXXX XXXX is on TV all the time talking about this encouraging people to do this Im telling you from first-hand experience do not do it its a nightmare.The Lansing office that Ive been dealing with I have told them and sent them documents stating my fathers address has changed 3 times this year, they have never done it they may have done it now they broke their contract by not sending monthly statements it is not a good situation please please talk anybody whos thinking of this out of doing it OK thats my public service announcement for today.Many elderly have to leave their home because of health issues such as my father he would never be able to handle all this nonsense that weve been dealing with and I think that they know that and take advantage of it please convince your parents or whoever not to do that!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PlusFour, Inc
State: TX

Complaint narrative:
Plusfour has been reporting on my credit a debt that was paid by insurance. I contacted the original creditor XXXX XXXX XXXX who advised me there is absolutely no amount owed on this debt. Ive requested they remove it or provide validation that it is still owed and have no received anything. I have a security clearance with the XXXX XXXX that this debt is affecting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
On XX/XX/XXXX, NewRez LLC dba Shellpoint Mortgage Servicing took over my mortgage from XXXX. XXXX told me to continue to pay them, that Shellpoint was name only. This was incorrect. When I tried to pay XXXX my payment in XXXX it bounced back to me. I immediately called Shellpoint and they told me that I should be paying them. They explained that is takes time for information to go from one company to the other. I paid this payment on XX/XX/XXXX and then paid my XXXX payment on XX/XX/XXXX. Two days ago I received a letter in the mail from Shellpoint Loss Mitigation office as an Intent to Foreclose on my house. I called them immediately and they said they never received these two payments and they charged me a foreclosure process fee of {$350.00}. I sent my bank statements to show them that these payments were in fact paid, they said I still owe {$350.00}. I don't understand how I owe this and how they can begin foreclosure proceedings. Their customer service is horrible, I am seriously afraid of what could happen as they seem to do what they want. I have called everyday waited on hold for 40 minutes or more, requested call backs that I never received. Last night I received a call from them, the number came up on my phone as Telemarketer. This was very disturbing for me. Before XXXX sold my loan, I had a surplus in my Escrow account for approximately {$5000.00} which they said would come to me. I have not seen this and Shellpoint claims to know nothing about it. I have just recently been discharged from a 5 year bankruptcy. I have worked hard to try and rebuild my credit, this company is making things impossible. I don't know what to do at this point. Please help. 
Thank you, XXXX XXXX XXXX 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 2020-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Robinson, Reagan and Young PLLC
State: AL

Complaint narrative:
I have not lived in XXXX   since XXXX and yet I find a collection on my credit report of {$350.00} reported in XXXX XXXX clearly my credit history shows I lived in XXXX  from XX/XX/XXXX until XX/XX/XXXX when I bought a house in XXXX  and moved there. someone in XXXX tn however used my identity to get utilities through XXXX and not pay for them. Robinson, Reagan and Young refuse to remove this from my credit history. I am willing to sue them for the damage to my credit score. This entire account was a surprise to me when I did my annual credit report check. I have had stellar credit for over ten years and am very angry with this identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I started working with XXXX XXXX XXXX to pay off this credit card. The card was paid through XXXX on XX/XX/19. I have called XXXX to try and get this paid off account listed as such with no action taken. Please help since this is hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NJ

Complaint narrative:
Freedom Mortgage Corp. is refusing to provide payoff statements for customers to pay off their mortgage. When payoff statements are requested, even through multiple channels, they are ignored indefinitely. This is a repeated and ongoing issue with this company. Upon making a follow up call to customer service, they state that there is a turn time of 3 business days, even when the request was first placed longer than 3 business days prior. They refuse any sort of remedy, refuse to allow the caller to speak with a supervisor, and continue to walk the customer in circles. There isn't any sort of customer service, it is merely a way of dismissing anything that might be an inconvenience to their staff. It should also be noted that this company has a large number of CFPB complaints.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 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: Innovis
State: TX

Complaint narrative:
VIOLATIONS OF THE FAIR BILLING ACT FAIR DEBT COLLECTION

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
My wife and I sent Wells Fargo a check for {$150.00} to get a Brokers price opinion done on our house to possibly remove the mortgage insurance. Sent them a check approximately on XX/XX/XXXX. ( check was cashed by Wells Fargo ) I was contacted by a broker ( XXXX XXXX ) on Friday XX/XX/XXXX at XXXX to set up a time for him to come take a look at our house and complete the BPO. I asked if Monday the XXXX at XXXX would work. He stated that he needed it done sooner. So, I asked him what he was thinking .... he stated Sunday the XXXX I said ok what time, he stated in the afternoon. So, I said how about XXXX? He said sure that works. I then asked him how long it would take to be completed and what he would have to do. He stated it would take less than an hour and that he needs to take 2 pictures of each room. I asked how clean does everything need to be as we have XXXX young kids and both work so our house is not always clean. He stated " that it needs to be clean like as if we were selling it ''. I said I was not sure if I could get it ready that quick as my wife worked the weekend. XXXX stated it needs to be clean so whatever it takes to get it done. He said if my wife needs to take off work then that's what needs to happen. So, my wife took off work on Saturday the XXXX and Sunday the XXXX 10 hours each day to help clean our house. I had a {$400.00} deposit on a fish house to go fishing on XXXX XXXX XXXX XXXX that I paid last year to reserve the date and time that I had to cancel to accommodate the BPO also. So, on Sunday at XXXX we were finishing up cleaning and I noticed that at XXXX XXXX I missed a call from XXXX XXXX . So, I called him back and said I saw I missed a call from you, what's up? He stated that there was a " hold '' placed on the BPO and that he would not be coming that day. Now we are out 2 days of vacation for my wife ( 10 hours each day at {$36.00}. and change an hour ) and my {$400.00} fishing trip deposit. XXXX have made contact with me regarding coming out to do the BPO however I have worked all week and so has my wife and we will not take off work again for the BPO to be done. We feel we have incurred significant losses that we did not ask for, and would like to be reimbursed for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Bank of America is still reporting an account that should have expired ( 7 year rule ). 
They refuse to fix the problem and continue to report account that should be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
Good morning, I am writing because my credit report is showing my credit history to be four months old. It does not show any past mortgage payments or home equity loan payments or accounts. Both are close now, but should be represented on my account for ten years. I have called repeatedly, only to be transferred from one associate to another, none of whom have spoken to each other, causing me to restart the process each time I have asked for a supervisor, with seemingly no greater knowledge or access to the information or remedy than the associate. This has caused me to be denied by creditors, despite them acknowledging my credit worthiness. Additional documents, and email correspondences to be forwarded at the convenience of the CFPB.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I am writing to report a violation under the FCRA. Equifax is reporting an unverifiable item. I am demanding this item to be removed from my credit report. 

If Equifax fails to remove this item from my credit report, I will not hesitate on filing suit. I am giving Equifax the chance to solve this through the CFPB portal. 

I am aware that reporting an unverifiable item violates the Free Credit Reporting Act and that it can be taken to court. I give Equifax 30 days to remove the item and send me a deletion letter for my records. 

Thanks to whomever reads my complaint. 

See documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC
State: SC

Complaint narrative:
so i filed a identity theft report with the ftc and i printed the documents and sent the to this company and its been over 2 weeks. i told them it wasnt mine and even included in the letter that someone was in jail for stealing my identity and even the persons full name and jail they are currently in. i dont know what else to do because the police in the case called me and told me what happened and told me the lady had charges in my name as well and i should look at my credit report because she had credit cards with my name. please help me with this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have struggled for several weeks to get a freeze removed from my Experian account which was placed after the mega security breach back in XX/XX/XXXX and I still dont know if its been removed. I have successfully removed freezes placed on XXXX  and XXXX  and now able to place a freeze on my XXXX  and XXXX accounts conveniently and free or charge however, Experian makes this task extremely difficult and the ultimate outcome is for me to subscribe to a credit monitoring service which I am not interested in obtaining. The same information I enter on the Experian site requesting a freeze is the same I entered to get my annual free credit report from Experian and that request was successful. I have tried numerous times to contact them via phone but Im only presented with a maze of phone options ultimately ending with the response to mail pertinent information to a location in XXXX Texas. 
The following are steps Ive taken to place a freeze on my account. 
Access the Security Freeze Center web site at Experian : https : //www.experian.com/freeze/center.html Select Add a Security Freeze -> Freeze My Own Credit File Enter name, address, SS #, DOB, email , and created a PIN Submit The next screen indicates Experian can not identify me based on the info I entered This same information was good enough to prove my identity for the free credit report.For what its worth, I also tried the link to remove a freeze both using the PIN created to freeze my account several years back and without a PIN. Both were unsuccessful. 
If I could talk with someone that would be helpful, but all avenues lead to a laborious process of mailing info to an address in XXXX Texas and adding time to the request. The only option offered by Experian is to buy a credit monitoring service. Any attempt to contact them results in the same thing. Im never able to easily speak to a representative. 
I simply want the ability to add or remove a freeze to my credit file free of charge as required by the Federal Government as of XX/XX/XXXX. 
Attached are screen shots of the Experian web pages I visited and the data I entered. 
I hope you have better success than me in getting this resolved and making Experian play by the rules Thanks, and Regards, XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-01-31 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: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX so called debt {$420.00} filed police and ftc report # XXXX

Company response to consumer: Closed with explanation