vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Phoenix Financial Services LLC
State: GA

Complaint narrative:
Phoenix Financial Services is in violation of my 30 day right to dispute. They added an item to my credit without any warning or proof of the item being mine. The account number is # XXXX. This account is not mine and should not be on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Patient Accounting Service Center
State: TX

Complaint narrative:
On XX/XX/19 @ XXXX, XXXX called my phone number re : my acct. I have been making the required monthly payment. The rep advised they were offering a discounted price to be made in 2 payments. I thanked her but said I couldn't do that now. I wanted to keep my payments the same. The rep started naming my debts and a credit limit on my credit card. I repeated that I wanted to keep the same payment as that was all I could do. She insisted on increasing my payment amount. She began talking about my husband 's income and said, " Well that's an awful big chunk of money for you to not be able to pay more on this account. '' I then told her that was none of her business what my bills were and what all income we had. I stated that I'm paying on XXXX kids college loans and she said, well we all have college loans that have to be paid for books and things. She would not leave me alone about my payment. She said I didn't need to get angry but I told her she was harrasing me and she began talking in a patronizing voice. After many times of me telling her to leave my payment where it was and she kept going, I had to hang up on her and block the number. I know that the call was recorded and all of the information can be verified and it was stressful for my daughter who was in the car hearing it all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Checked my report on XX/XX/XXXX and I have a inquiry from XXXX XXXX and I have had my account with them since XXXX its fraud and they wont take it off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently applied for a furnisher account with XXXX XXXX, long story short I was denied. I don't understand why I would be denied because I'm typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I'm unsure of how this happened. I need these items deleted from my credit report. I have contacted the FTC and my local police. I'm doing this on my own behalf. XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, and account # 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 2019-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Hello I have several accounts that was taken out in my name that doesn't belong to me. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, qual ast rec XXXX, XXXX XXXX XXXX, my car was never late. I was incasarated when these accounts was opened. I left my car with my daughter and she paid every month. Please help me with these companies. I contacted them but they never believed me they said that's my problem basically and to contact the credit bureau. I contacted my attorney and he showed me this site. Please help me im looking for a fresh start.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX is in violation of my 30 day right to dispute. They added an item to my credit without any warning or proof of the item being mine. The account number is # XXXX. This account is not mine and should not be 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 explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I was shopping for a couch at Raymours and Flanigan and got approved a card to pay off the couch in 12 months with a 0 % interest. I took advantage of the promotion and paid off the couch in 7 months. Later on in the year I noticed a negative tradeline on my credit report from Raymours and Fanigans. It was and still is reporting a charge off with a balance of {$310.00}. I have kept all of my receipts and the contract of sales. I will attach said documents to the report. There you will find that I completed my obligations to the debt and this company should not be reporting this information inaccurately to the credit reporting agencies.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I recently reviewed a copy of my credit report, and after carefully going over everything on my report i noticed their were a bunch of unauthorized inquires on my report. I Sent Transunion two letters disputing the information that they are reporting. I sent my first communication to them onXX/XX/2018 I received a response from them advising me that they validated the information and to contact the creditor directly. I sent another communication on XX/XX/XXXX and received the same response. so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.. In addition, as part of your investigation, please send names, business address and phone numbers of those who made unauthorized credit inquires so I may contact them directly. I am asking for this because my credit is being unjustly degraded because of these unauthorized inquiries. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
Forged deed. XX/XX/2005, my home, XXXX XXXX XXXX, XXXX, per divorce court order, was sold to a person who, as I recently just learned, shows no record of ever existing. My home was flipped 4 months later at a {$40000.00} higher cost, with the fraudulent buyer of my home in XXXX turning over my large house quickly, at a much higher price, in a poor housing market at the time.The mortgage release, which my then spouse said I HAD to sign, with his providing no explanation for the delay from my home being, presumably, sold XX/XX/2005, and the release I was told to sign, from WAMU, being dated XX/XX/2005 ( after the XX/XX/2005 sale/flip, which at that time in XXXX, I knew nothing about. ) The mortgage company was Washington Mutual, now Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Business & Professional Collection Service Inc
State: NV

Complaint narrative:
On XX/XX/2019 I received a call from my mother XXXX XXXX that a debt collection agency called her about some debt that she had but that I own on a debt collection thats showing under her. She asked what is it for XXXX XXXX  she said she has auto pay on it. They asked if she recognizes the address XXXX XXXX XXXX XXXX she at first said not then they ask its under XXXX XXXX XXXX she said that it was her son then they told her the amount of it. She send me the phone number the XXXX XXXX. I called and she stated first that she spoke to my dad and that my dad confirmed it was him then said that it wasnt it was hes son. Then I asked why did this come under my moms information she said thats how it was send. So I told her we have different names different birthdays. She answered by it was no energys fault so i let her know I will call XXXX. I called XXXX  they confirm the Ssi number attached to the acct and its mine and the phone numbers on there which are my phone number and wife and the name on the acct which is only mine as well they dont know how they would get confused. I called my parent to ask my dad why did he say it was him then say no they said that my dad never talked to them. So I called back XXXX to get information of the collection agency and her information cause this information should have need been released to my family members and to make sure that these conversations where on a recorded line.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Experian has drastically dropped my score for no reasons my car loan was paid off XX/XX/XXXX it dropped my score from XXXX to XXXX a new account hit it dropped three more points XXXX reported my card stolen it dropped 6 points in now at a XXXX as of XX/XX/2019 they only do this to XXXX consumers I my score should have went up from paying off my car loan not dropped 25 points. Experian is full of XXXX and need to be fined for improper abusing of credit scoring and reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC
State: FL

Complaint narrative:
I understand you must have full coverage insurance on your vehicle for a title loan and i've had full coverage for over ten years. Instant loans co. Are forcing me to purchase their insurance which adds an additional 60 dollars to pay off. I mention this policy to them and they responded that my insurance must be paid up for 60 days. How is this legal when the loan is only for 30 days?. In additional to this when you make a payment, your new due date is the same date that you pay the loan not the next 30 days, how is this legal? Making customers pay for full coverage insurance when the customer already has insurance seems illegal. They have charged me over 500 dollars in insurance fees in which i already have and have had full coverage insurance for over 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc.
State: MA

Complaint narrative:
XX/XX/XXXX i opened a {$500.00} loan with Money Lion. i have never missed a payment and paid the full amount off in XX/XX/XXXX. Since then, i have called them several times since XXXX because it didnt show it was paid. Said they would fix it numerous times and now my credit report shows 60 days late. I was in the process of buying a car and this destroyed my chances for a couple months. You do have to wait on hold for a very long time to speak to an agent. They refuse to transfer you to a manager unless you threaten to record them. They will not fix my credit and i have reported it to my creditors and showed proof of this payout. They are now showing the correct balance on my other loan that i retook out with them in XXXX. Another indicator i satisfied the first loan because they will not let you take out a second one. Now an extra balance that i did not agree with is showing on my active loan. The payments have also been made on time and are drafted from my account every two weeks. They have my social security number and personal banking information and i am VERY VERY VERY concerned they are conducting illegal activities. Since they wont even respond to my XXXX  that is even more concerning. They will not work with a consumer on their concerns and now credit reports are being destoryed. i have seen other compaints just like mine on XXXX. I need help and will keep reaching out until this is resolved!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I had unauthorized debits made when my card was stolen I made a police report and talked to capital one 360 and they gave me XXXX dollars for a pay they didn't even make the payment but debit me and they got my balance at - {$620.00} on my personal account and now they never gave the XXXX $ back to my joint account witch is for me and my wife please help me out! I just would like my money back I been loyal to capital one 360 for 2 years straight I'm very disappointed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: State Collection Service, Inc.
State: TX

Complaint narrative:
XX/XX/XXXX : Purchased a part for my XXXX machine from XXXX XXXX. Paid by credit card. 
XX/XX/XXXX : I received my receipt via email for above purchased item. 
XX/XX/XXXX : I found an {$1100.00} charge on my debit card. I tried to contact the company that charged my credit card but was unable to speak with anyone. I called my bank, told them the {$1100.00} was not an authorized charge to my card. 
XX/XX/XXXX : I received a invoice from XXXX via email. I saw this and dismissed as a scam. 
XX/XX/XXXX : Again received an email from XXXX and again I disregarded and deleted the email. 
XX/XX/XXXX : Another statement and it was deleted. 
XX/XX/XXXX : Another statement and it too was deleted. 
XX/XX/XXXX : I received a letter from State Collection Service requesting {$1100.00} on behalf of XXXX. I spoke with the agent from State Collection Service. I told the I never ordered anything, I never received anything and I was not going to pay. I tried to contact XXXX via phone with no luck. 
XX/XX/XXXX : I was alerted that a negative/derogatory remark was added to my credit score. 
XX/XX/XXXX : I contact XXXX to dispute this alleged purchase. After a couple of weeks I receive a letter from XXXX with the results of the investigation. They verified the action as accurate with no other explanation of how the action was validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Continental Services Group, Inc. d/b/a ConServe
State: MO

Complaint narrative:
On XX/XX/2019, XXXX XXXX was contacted regarding a debt allegedly owed by XXXX XXXX. The type of debt was not discussed, but XXXX XXXX has never been a cosigner for XXXX XXXX at any point in time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Williams, Rush & Associates, LLC
State: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is WILLIAM RUSH & ASSOCIATE # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, WILLIAM RUSH & ASSOCIATE # XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section XXXX07 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) WILLIAM RUSH & ASSOCIATE # XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA , with {$1000.00} per violation WILLIAM RUSH & ASSOCIATE # XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where WILLIAM RUSH & ASSOCIATE # XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. WILLIAM RUSH & ASSOCIATE # XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
I had a Citizens Bank Checking Account number XXXX. 
I was subject to Identify Theft where my Checking Debit card was stolen! I notified the local police authority and immediately notified Citizens. 
Because of the identity theft, no fault of mine own, Citizens arbitrarily and capriciously closed my checking account! 
I then notified the Corporate Offices of Citiizens who advised my account should not have been closed and to go into my local branch and reopen it! I have attempted this without success!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I received a letter from General Revenue Services on XX/XX/XXXX saying they refuse to investigate my dispute- I have requested debt validation for the balance of {$540.00} General Revenue Corp and I have not received any thing. I reported this previously and they claim to have mailed it in the past but I never got anything. 

They also did not upload any documents in the Consumer Financial Protection Bureau Portal. I am requesting them to provide a copy of a signed contract for the services of this amount they are collecting for. I am asking for a numerical breakdown of the services they provided that cost {$540.00}. 

They have not provided the documents within the 30 day required by law-

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Financial Credit Service, Inc.
State: TX

Complaint narrative:
I received a voicemail message Thursday, XX/XX/2019 at XXXX XXXX  from a man who did not identify himself but said he was calling on behalf of XXXX XXXX with ARA, Inc. He left the number XXXX and extension XXXX for a return call and included the case #. When I returned the call to inquire about the purpose of the call he said that it was about a XXXX  [ which I do not have, nor have I ]. When I told him I don't have one he said that I do and then started listing off the last 4 of my social, large portions of other credit card numbers and said that I would soon loses access to these cards and to my bank account ( s ). When I tried to verify the phone number to give to my attorney he  accused me of using stall tactics. When I asked again to verify the phone number for the attorney, he hung up on me. I called my credit card companies directly to inquire about my accounts and was assured that all was in good standing. I feel that I was threatened over monies I can not owe.

Company response to consumer: Closed with explanation