vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
There are on authorize items on my credit report that I did n't pull my credit 17 hard INQUIRIES THAT ARE AFFECTING MY CREDIT SCORE THE INQUIRIES WAS REMOVED FROM MY XXXX CREDIT REPORT BUT THE INQUIRES FROM YOUR COMPANY IS STILL SHOWING ON MY CREDIT REPORT I SEND AND LETTER AND TRYING DISPUTTING INQUIRES AND GETTING A LAWER THIS IS FRAUD ON MY REPORT AND HURTTING MYSELF AND CHILDREN

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: NY

Complaint narrative:
I called Penn Credit Corp on XXXX/XXXX/XXXX regarding an account noted on my XXXX Credit report for {$900.00}. The orginial Creditor Name is XXXX XXXX and it was opended on XXXX XXXX, XXXX. I spoke to the representative and she was not able to find any account with my ssn. The only account that was on file was a XXXX XXXX account for XXXX which was removed from their system on XXXX XXXX, XXXX. There was no further information she can find in their system

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My social security number was listed in the XXXX, and XXXX XXXX XXXX. The hard inquires were removed but reinserted. The inquiries should n't have been reinserted without a 5 day notice.

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 2017-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Direct Recovery Services, LLC
State: NC

Complaint narrative:
I received several calls from this company, Direct Recovery Services claiming to take " legal action '' against me. After speaking to a rep named " XXXX '' I told her I did n't want to discuss this and I terminated the call and she immediately called me back telling me that she needed to verify who I was and needed more information. I advised her that she was not allowed to call me back after I hung up on her because she was with a third party collection agency. She kept stating she needed to verify the info, I advised her that I would submit a complaint and she did n't care.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have purchased an appliance on XXXX which was delivered on XXXX XXXX, XXXX. The dishwasher was broken and I been contacting XXXX since then without not resolution. They keep transferring me over to XXXX company and XXXX transferring back to XXXX. no one want to be responsible and replace the dishwasher or refund my money back to XXXX card. Today XXXX been waiting for more than 1hr to talk with a XXXX representative over the phone and still not getting any response. I need help to raised since I received my bill already but I still not having my product.

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 2017-12-18 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: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
I have filed numerous online disputes with each of the three ( 3 ) Creditor Reporting Agencies ( CRA ) in an attempt to correct errors, inaccuracies and/or incomplete information for my individual credit report issued by each of the CRAs. I have also contacted and communicated with each creditor identified herein in an attempt to resolve the noted issues. 

I have attached a 3-bureau credit report dated XXXX/XXXX/XXXX issued by myFICO.com for reference. Due to the breadth of my issues, I will identify the credit account via reference to the corresponding page number on said report. I will further indicate which CRA I feel is reporting incorrect, inaccurate and/or incomplete information for each identified item. Also attached are four ( 4 ) Advisory Opinions issued by the FTC that i feel are applicable to the items addressed below. 

On page 3, I have a list of five ( 5 ) negative accounts. Two ( 2 ) of those accounts ( Syncb/Amazon XXXX and XXXX XXXX ) had a {$0.00} balance and were always paid by the statement due date while they were open. As outlined in the FTC 's " XXXX XXXX to XXXX ( XXXX ) '', it is the FTC 's view that " it is not a reasonable procedure to label an account that has been XXXX in bankruptcy as 'charged off as bad debt ' if the account was open and not charged off when the consumer filed bankruptcy. The FTC goes on to state " such a designation would be inaccurate or misleading, because it would indicate that the creditor had written off the account at the time of the bankruptcy when in fact it had not done so. '' This is certainly the case with the aforementioned accounts as there was no balance due on either account at the time of filing the Chapter XXXX bankruptcy so, as a result, there was no corresponding amount for the referenced creditors to right off. 

A third account identified as a negative account and charged off includes the XXXX credit card that was a joint account. Although there was a balance due on this account at the time I filed bankruptcy, monthly payments continued to be made by the statement cut-off date both before and following discharge. The account is current as of XXXX/XXXX/XXXX and is absent any late payment during its lifetime. Just in the above referenced cases, the creditor in this case did not write-off the account at the time of bankruptcy and, consequently, the creditor 's reference to the account payment status being anything other than paid/paying as agreed is inaccurate, thereby rendering reference to the account as charged-off incorrect and inaccurate.

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 2017-12-18 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: FC HoldCo LLC
State: GA

Complaint narrative:
On XX/XX/2017, I received a message on XXXX XXXX from an acquaintance that I really do n't know. She explained that a XXXX XXXX contacted her on XXXX and noticed that we were friends. My friend and XXXX XXXX used to work together. XXXX is an agent at XXXX XXXX XXXX. She sent my friend a message stating : " Hey girl, sorry to bother you but you are friends with one of my potential charge off at XXXX XXXX XXXX XXXX XXXX XXXX ... can you get her a message to call me XXXX tell her i will help her ... if you do n't mind..Thanks girl '' She has also attempted to friend me on XXXX under an assumed name, XXXX XXXX, with explicit pictures. The background photo matches the photo on her real XXXX page which is how I know now that it is her. ( I did n't know a " XXXX XXXX '' so I did n't accept the friend request. ) She is stalking me and I have no idea how many other friends she has contacted sharing my personal information. I feel very threatened! I manage a XXXX XXXXr and any agent who compromised XXXX  compliance would be terminated 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 explanation
Consumer complaint received 2017-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have been a VICTIM of credit inquiries on my credit report. I am a victim of credit fraud and I have inquiries on my credit report that has not been removed after contacting TransUnion on numerous occasions. I have also contacted the companies that these inquires have been made with alone with a police report. I have listed the below companies and dates that they have made inquires on my credit. Customer service would not help and take care of the negative inquiries reporting to your credit report. 

Inquiry from XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX Inquiry from XXXX XXXX, XXXX Online Info XXXX XXXX NC XXXX ( XXXX ) XXXX Inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX GA XXXX Inquiry from XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX PA XXXX ( XXXX ) XXXX Inquiry form XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry from XXXX XXXX, XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX XXXX TX 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 2017-12-18 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: AES/PHEAA
State: PA

Complaint narrative:
Sent letter to company requesting : contact info, employment status, quarterly wages, XXXX XXXX XXXX ID, asking to contact at work. 
Also signature of XXXX XXXX XXXX XXXX XXXX XXXX reveals that the letter references a collection attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 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: PNC Bank N.A.
State: FL

Complaint narrative:
an ex co-worker allowed me to use his XXXX prime account to help me buy a gift for my kids last year..around XXXX XXXX, when we were working together, in XXXX, Michigan XXXX At the time i lived in XXXX, ohio, and he resides in XXXX, michigan. i purchased the item on his account to be delivered to his house free shipping. his account was free shipping, mine was not. he got the item, and brought it to me at work when it arrived. since then, he quit the company in XXXX or XXXX, XXXX. I left the company in XXXX XXXX, and moved to the XXXX, Florida area, XXXX XXXX, and live in a town called XXXX. in XXXX i was on work assignment in XXXX XXXX, stopped in on XXXX to the bank, PNC BANK, to check balance on my credit card and pay it. This is when i found out that there was many purchases to XXXX marketplace, which i did not do, nor authorize. I met with banker, they cancelled card, ending in ... XXXX, issued me a new one, and i filed a dispute. After i left the bank i called XXXX XXXX XXXX XXXX, and asked for them to look me and my credit card number up, which they did. I asked them to run a report comparing my card charges to any shipping address which was NOT mine. I live in XXXX, Florida. I have a billing and shipping address in XXXX, Florida. The Customer service lady, named XXXX, emailed me and XXXX ( the unauthorized user ) a copy of each purchase which was shipped to his address in XXXX, Michigan. including each order number and description of items, dates, and costs. Each which matched my credit card statement. This activity began XXXX XXXX and ran through XXXX XXXX. There are XXXX seperate orders, each with multiple items. 
Since then PNC BANK, XXXX XXXX, on XXXX XXXX, sent me a letter stating they " have determined '' that i had authorized the use of my card. And i am responsible for the charges on my account. 
This is incorrect. Never did i allow him to use my credit card for any purchase. Nor did i know he would have saved my card number, and use it at a later date. I called PNC XXXX XXXX week of XXXX XXXX, XXXX times, and asked how they came up with this determination, and they said i would have to speak with XXXX, who was suposedly off until Monday. Asked for her to call me back, and it has been over a week and she has not called me. 
The total purchases ( as known to this day ) is {$9100.00} .... 
XXXX bank contact was XXXX XXXX, at PNC, XXXX XXXX XXXX XXXX, XXXX XXXX, Florida XXXX, phone number XXXX. 
I spoke with PNC fraud/dispute team on that same day from XXXX office. business date XXXX XXXX, XXXX. I have a contact name of XXXX, at XXXX for dispute team.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Fax sent today to the Wells Fargo agent : We are extremely confused, concerned and bewildered with the status of our account. We started working with you last XXXX. We have never been informed of anything other than that the account would be reviewed and that the purpose of the review would be to add the arrears to the loan and resume payments. We were even asked by the underwriter if it would help to have some reduction in the payments. Over the course of nearly six months we have complied promptly with every request for information and documentation but at every step we were met with confusion and conflicting information. Frustration abounded when we were told 2-3 times that the emailed or faxed information could not be properly read ( allegedly cutting off the documents ). This was patently untrue. I personally went twice to the local Wells Fargo branch to have them scan and email the requested materials. Within hours I went to a different bank, had them scanned and emailed to both of us. Once again I was told that they were not properly received yet they came perfectly to my email which clearly indicated that the issue was on your end and that the materials were being properly sent. We recently received a checklist of numerous pages of the documents that we had provided. Your document showed over 50 documents that we have submitted, all on a timely basismost within hours or days. It also listed a request for four other documents that we had provided at least three times previously! It asked that these be submitted by next week, however you then called and said that it was not necessary. 
During this process I was never advised that I should be making paymentsit was always that the payments would be incorporated into the loan and therefore we continued putting our money into the home improvements. Our world was shaken when, last week, I received a phone call that said that the refinance was going to be denieda call that came before the date of a letter stating that the file was open and that more documents were requested. The alleged denial was due to a lack of sufficient income. Reference was made to the loan exceeding 40 % of income which is impossible! Attached you will see that the loan is less than 33 % of income. I was told that I could see how this was determined but never told how. I have yet to be able to access this calculation and frankly, there is no doubt in my mind that this is incorrect and that for some reason we are being screwed.

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 2017-12-18 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is the second ( 2nd ) time I have logged in to get my free, annual Equifax credit report and received the following message : " Online Delivery Unavailable We are not able to deliver your free Equifax Annual Report online ''. I am instructed to request it by mail and have to submit a request form along with a copy of my Social Security card and a copy of my driver license. I DO NOT want my personal information being mailed to Equifax, nor do I want my credit report being mailed to me. This opens me to identity theft!! The mailed items give a thief all they need to cause havoc to my financial life. I have no trouble getting XXXX or XXXX ; I have them for XXXX. And, I received them in XXXX. I just received the Online Delivery Unavailable for XXXX from Equifax ; I also received the same in XXXX. I 'm not sure about prior to that. If Equifax can not provide the free, annual report online like the others do, please close them down! They have already caused enough anxiety and worry for consumers with their massive breach, which they failed to disclosed when they found it. I want my report online ; or I want Equifax to assume 100 % liability for any identity and/or financial problems I incur with my personal information being required to be sent via the XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: MN

Complaint narrative:
On Friday XXXX XXXX XXXX we had signed our closing papers with XXXX XXXX. On the papers, it said that they providing us with an interest rate that is 2.5 % BETTER than our current one, which is FALSE. And they are charging us {$3400.00} for it. They rate with them is actually MORE than the one we currently have. The man from the closing company told us just to sign these and let them know and they will edit the information, and probably just cut us a check for the difference. It would be fine because we have 3 days to back out. So we continued to sign the rest of the papers, and now NOBODY will get back to us from XXXX XXXX. I am getting VERY nervous and frustrated.

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 2017-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau of York, Inc.
State: PA

Complaint narrative:
XXXXXXXX XXXX called to collect a debt I do not owe. They refused to understand it is not me who owes this debt and threatened to take me to court. I am XXXX and in a XXXX and find this XXXX and want them to stop calling. 

They call all the time but I answered this morning XXXX/XXXX/17 and she berated me and threatened me for a debt of over {$3000.00}. 

My daughter called them and spoke to them and told them to stop calling or she would contact their attorney and go after them for harassment as their actions are illegal, she says.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have made a dispute concerning the adverse accounts that should be removed from my credit report as per FCRA. Neither the creditor or the credit reporting agency will remove the items disputed. These items disputed are either fraudulent and or unverifiable and no proof has been give regarding the accuracy of the items. 

Remove : XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX 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 2017-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I just Received notification from a new service that i set Up with Transunion to notify me or if my credit report is requested. I logged In today and discovered inquiries including two that were recently made ( one as early as today ) against my consent and will. I have rtrequested that Transunion investigate and or delete these unauthorized inquiries as i did Not authorize them neither have i consented in any way for this offer fro credit. 

XXXXXX/XX/XXXX ( spoke with XXXX in fraud resolutions who verified this is an error on XXXX part ) XXXX XX/XX/XXXX ( spoke with XXXX is Credit resolutions who stated a request would be submitted to delete ) XXXX XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX - XX/XX/XXXX ; XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Recovery Services, Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX Southwest Recovery Services reported on my XXXX report that I owed {$810.00} on an individual account taken from original creditor XXXX XXXX XXXX XXXX. Stated it was opened on XX/XX/XXXX which I have not opened any new accounts at that time. Tried calling XXXX ( XXXX ) XXXX pressed option 2 to speak to someone regarding credit reporting office regarding a issue appearing on your credit report. Rings several times then you are disconnected or occasionally you can leave a voicemail for an individual. After several calls was informed this was a payday loan however other than that they just refer you back to XXXX XXXX XXXX which has no information as the debt was removed from their office

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation