vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-25 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: OK

Complaint narrative:
I sent a dispute certified mail dated     XXXX   XXXX  , 2017  r egarding erroneous reporting on my Equifax Credit Report ; with a Creditor. I referenced the account number listed on the Equifax Report for an "  Unverified  Account. '' I had    XXXX     accounts total reporting from this  Creditor and three  of those were an asset to my credit report, and were validated as mine. Equifax erroneously removed ALL four causing a very detrimental affect to my credit score and reporting. Removing   XXXX   good standing accounts, shortening my length of open credit and good pay history ; this was a poor decision of Equifax . One of the three  accounts is one that I am still paying on faithfully without  one  missed or late payment for the past seven years. " Deleted ''. The other two were paid in full account with no late or missed payments. " Deleted. '' Only one which was negative did I dispute and it was removed.     When I got the update in the mail, dated,     XXXX   XXXX  , 2017    , I immediately contacted Equifax for correction. When calling I received a very rude and insensitive representative that continued to tell me that I disputed the accounts and when referencing the dispute letter I sent she said, well you need to contact the Creditor ; after not being able to justify the error.     The  Creditor  is saying we need copies of the report and we may not be able to assist you with the paid off closed accounts, but the open one that your still paying on we can research. This is time consuming, and unfair. This seems intentional and no one is willing to help as I am in the middle of credit crisis and financial investments  may  fail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Chaplain Financial Services LLC
State: FL

Complaint narrative:
I have been contacted by a very rude, harrassing and disrespectful lady from these phone numbers XXXX and XXXX at least 6 times today. She has left me very threatening and serious voice messages on my cell phone and on my work phone. I work for a XXXX XXXX and she is threatening to contact Human Resources to have my wages garnished. She also threatened to take police action against me, take me to court, have me served in public, contact my neighbors and my family members. All I asked her for was a validation notice for this " debt '' from 2011 and she has gone out of her way to threaten me. I was in the process of giving her my email address so that she could send me the validation notice and she did n't like that I was spelling out my name for her. She has called me at work requesting the fax number of Human Resources. And then she left another voice message pretending to be talking to someone on the other line saying " yeah at least now we know where she works. '' I will be informing the XXXX PD at the XXXX where I work so that they can be aware.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Had a {$2500.00} credit limit and over night with no ch ange in credit score or missing payment or even a late payment ever, I had {$800.00} balance and they changed limit over night, and I have set it up to auto pay my bills. By doing this they have affected my credit score negatively in the most important way because it changes account balance/ to credit limit ratio. This is not fair and it happens all the time with banks of all kinds. They offer you credit and when you use it they lower credit limit to cause credit report to go down and then they can charge a higher rate of interest?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 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: NC

Complaint narrative:
XXXX   XXXX ,    2017,  went online to try to get the annual free credit report from TransUnion, because we became aware that a different credit report company had incorrect info on our report.   The online service for TransUnion would not allow a free report. It said " We cant determine if this is really you '' It said that for both my husband AND  I. Said  they did n't have enough info to give questions to determine our identity. If they do n't have enough info to determine who we are, HOW and WHY are they giving out info about us to OTHER people?   BUT if we would agree to PAY online, then it would let us have the report. The one that is supposed to be free.   When I called transunion, the man said they had already sent a report to some address that was not even our address. When I became angry and asked exactly who and where this was sent, he recanted his story and said that no report had been sent. When I said, but you just said it  WAS  sent, then he recanted again and said it had been sent to our correct address 5 days earlier, but he would send it again.   I finally received it much later. I received the report for my husband, but not for me.   Basically, they are refusing to provide the free reports that they are required to provide for free, and making people pay to get it.   They also began sending a lot of transunion spam to my email after I had tried to get the report online. Trying, again, to get me to pay. When I called again, they said that they can not stop the transunion emails, that is a DIFFERENT phone number that I need to call REALLY?? I asked for an email address to stop the email spam. They said they do n't have an email address, I have to call and wait on hold for hours.  REALLY AGAIN??  Of course the emails are do not reply emails that I can not simply reply to.   I also started getting a lot of solicitors on my phone right after this. I travel internationally, and these phone calls wake me in the middle of the night and cost me a lot of international call fees.   Transunion presents itself as a company that is there to help to people, but it is a scam in itself. When I did get a rep on the phone, it is obvious from the accent that this is being outsourced outside the US. Seriously? Asking me for my social security number and all personal information over the phone to someone someplace in  XXXX ? Does that sound like a good plan to help " protect '' peoples identity??   They want people to be compromised, so they will sign up for their credit monitoring. It is all a scam and someone seriously needs to stop these people.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
been paying for years and amount not going down. cant afford and live at the same time with what they want.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
We have been awaiting short sale approval since  XXXX   XXXX  2017. the negotiator keeps promising the approval will be ready " in a couple of days '' but it never comes. Today I was told that the approval was not issued because they needed updated document. The documents which they requested  XXXX ,  XXXX   XXXX , an d Dodd fr ank were all updated and provided as of  XXXX   XXXX . Those documents have a 90 day self life and are not expired. This caused an unnecessary delay when the buyers are going to walk if the approval is not received by  XXXX   XXXX .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Exeter Finance, LLC.
State: NY

Complaint narrative:
In or around    XXXX   XXXX   , lifelong trusted friend, approached me about co-signing for a car. I was under the impression that co-signer meant a witness to the transaction or to confirm that Ms.  XXXX  was of good character. In or around    XXXX   XXXX   , I accompanied Ms.  XXXX  to  XXXX   XXXX   XXXX . At the time of signing, the car dealership representative directed me to sign here, noting that the signatures were just formalities. The representative did not explain to me what exactly I was signing or inform me of my responsibilities as a co-signer.   After signing, the representative did not provide me with any copies of the documents related to the car. Instead, he told Ms.  XXXX  and I that the documents will be mailed to you. I had expected to receive the documents in the mail, but I never obtained the documents evidencing my obligation as the co-signer on the transaction. I discovered that the car loan was reporting negatively on my credit report when I was denied for a home loan in late  XXXX . I did not recognize the  Exeter  account on my credit report, so I contacted  Exeter  using the information listed on my credit report.  Exeter  explained that I had co-signed for the car, and thus if Ms.  XXXX  defaulted on payments, the account would become part of my credit report. Exeter also sent me the  Simple Finance Charge do cument, which was the first copy of the Simple Finance Charge that I had ever received. After sending a verification letter to  Exeter  on   XXXX   XXXX   XXXX  , I received the statement of the account, a copy of a monthly statement, and another copy of the Simp le Finance Charge. How ever, I did not receive any documentation that proves I was reasonably informed of my obligations as a co-signer at the time I signed for this account. Pursuant to New York Obligations Law 15702, before a co-signer becomes obligated on a consumer credit transaction, the creditor is required to deliver to the co-signer a complete copy of each note, contract, or other writing evidencing the obligation of the co-signer on the transaction, and a written notice that identifies the debt the co-signer may have to pay and reasonably informs the co-signer of his or her obligation with respect to it. According to New York Obligations Law 15702, if a creditor fails to comply with these provisions, the co-signer shall not be obligated as a guarantor of payment.   At this point, I contacted the lawyers at the  XXXX   XXXX   XXXX . They wrote to Exeter on   XXXX   XXXX   XXXX   requesting that they produce documentation that proves that I was reasonably informed of my obligations as a co-signor at the time of signing as required by the law. To date, Exeter has not produced any documents nor have they responded to my lawyer 's letter. In violation of the law, they continue to report this account to the credit reporting agencies and have not removed me as a co-signor.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
We received a bill in the mail from Transworld Systems INC that states a balance of {$72.00} has been placed with them by     XXXX   XXXX   XXXX   XXXX   XXXX     The bill is dated  XXXX / XXXX / 17  however we received a week later. We never never received an original notice of any bill directly from the  XXXX    XXXX   XXXX   and there is no itemization of what the original bill amount was, and if there is a surcharge that is being added to the amount. Within the letter it even states " If you have an income tax refund, perhaps you can use the proceeds to pay this amount. '' We have received no proof of any original bill and have no idea how any debt is being charged and for what reason. We have never had the  XXXX    XXXX   XXXX   come to our home for any reason and do not believe this debt is valid, and  may  be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
After pulling credit with a mortgage lender to buy a home we viewed a collection account from  XXXX   XXXX  for {$970.00 } (  Reported by  XXXX  ). This account was a charged off by  SYNCB/Sams Club.    ( Reported by   XXXX   )  meaning it was a tax write off for SYNCB. I am disputing this account with  XXXX  to have  XXXX   XXXX  remove this trade line. SYNCB is " double dipping '' by getting a {$970.00} tax write off then selling the debt to  XXXX   XXXX  for a profit. I would like  XXXX   XXXX  to remove this trade line. Consumers are being over charged for debt they do not owe. An investigation of these accounts regarding amounts owed need to be analyzed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
An unauthorized charge to my credit card was made by  XXXX  and granted by Bank of America without my approval. A class action lawsuit has been filed and is in process against  XXXX  for this practice ( see attachment ). Attempts to clear this up with Bank of America via the  XXXX  credit agencies have failed. This unauthorized charge has resulted in a reduction in my credit scores of approximately  XXXX  points and has been ongoing for over 7 years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Personal information incorrect
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have been a customer and Lowe 's credit card account holder since  XXXX  of  2005 . As a homeowner having and maintaining this account is almost a necessity. Over the past 12 years I have managed the account responsibly. Recently, due to incid ents ( errors ) to no fault of my own, my credit score was negatively impacted. The first incident involved my mortgage company incorrectly reporting payments, this incident was corrected and the company apologized. The letter is included for your reference. Unfortunately, around this same time, I had my smartphone stolen from a gym bag and as a result someone attempted to compromise my  identity. Despite both situations being fully remediated I am still feeling the impact from it because of what unknowing creditors are doing based on their due diligence processes. Rece ntly my Lowe 's credit account credit limit was reduced from {$8300.00} to {$3100.00}. This is caus ing further direct damage to the creditworthiness of my family and jeopardizes many plans that we have for college for our children and life in general. Credit utilization impacts your score so now it appear we have a " maxed out '' account. This has happened to other credit accounts closer to the initial happenings that caused the damage so I thought I was in the clear. But when this happens it is usually followed by a domino effect of other creditors doing the same thing. Also, to compound things I have had extreme difficulty logging in to the Lowe 's Credit website lately. I have had the same login information for quite a while but often the picture token i s not recognized and the answers to the security questions are not formatted correctly it appears.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On  XXXX   XXXX ,  2017 ,  XXXX  requested a copy of my Credit Report without my permission. I wrote a certified letter to  XXXX  but they did not reply. I disputed the request with EQUIFAX but no changes made to my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo closed my checking account without warning and for no stated reason. I have a direct deposit coming into the account tomorrow and Wells did not give me sufficient time to change the direct deposit method with my employer. As a result of this action, my access to my funds will be delayed and I will be unable to pay my bills on time causing significant ha rdship,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: SIMM Associates, Inc.
State: IN

Complaint narrative:
Representative from company continues to call after several requests from myself and spouse to quit calling. I have asked for a letter of proof of debt and who the owner of the debt is and never received it.   They tell us it is a federal student loan when in fact it is a private student loan and they are threatening " federal repercussions ''.   They have called my spouses employer several times and claimed to my wife that I gave permission to do so. I did not give permission nor do I know how to contact her employer.   I have asked to come to a reasonable payment agreement assuming such debt is actually owed and am continually asked to pay full amount as the only option.   I am tired of the oppressive calls which to my knowledge are breaking both federal and Indiana law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 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: FL

Complaint narrative:
An unauthorized charge to my credit card was made by  XXXX  and granted by   XXXX     XXXX   XXXX  without my approval. A class action lawsuit has been filed and is in process against  XXXX  for this practice ( see attachment ). Attempts to clear this up with   XXXX    XXXX   XXXX  via the  XXXX  credit agencies have failed. This unauthorized charge has resulted in a reduction in my credit scores of approximately  XXXX  points and has been ongoing for over 7 years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 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: FL

Complaint narrative:
An unauthorized charge to my credit card was made by  XXXX  and granted by   XXXX     XXXX   XXXX  without my approval. A class action lawsuit has been filed and is in process against  XXXX  for this practice ( see attachment ). Attempts to clear this up with   XXXX    XXXX   XXXX  via the  XXXX  credit agencies have failed. This unauthorized charge has resulted in a reduction in my credit scores of approximately  XXXX  points and has been ongoing for over 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Chaplain Financial Services LLC
State: OH

Complaint narrative:
So this has been going on for year, with multiple debt companies all in the greater  XXXX , GA area, so I believe that these companies are all connected.     This is for a very old debt that I had taken out and paid back. The original debt was to  XXXX   XXXX   XXXX   XXXX   XXXX   which multiple federal agencies including the DOJ has sued for defrauding customers. Now this debt has been and keeps getting sold from debt collector to debt collector. I have asked multiple times for verification of the debt and a full accounting showing all payments made. I have never received anything I have asked.   I have asked in writing that they no longer call me and sent multiple cease and desist letters. They go away for years at a time only to resurface using a different collection agency name.     The most recent is Company name Chaplain Financial Services LLC,  XXXX   XXXX   XXXX ,  XXXX , GA,  XXXX  Phone :  XXXX .     In todays call  XXXX / XXXX / XXXX  they did multiple things.    1. C alled using a spoofed caller id. Todays caller id was  XXXX , returning calls to that number says that the number is not in service. I believe this is be a violation of the Truth In Caller ID Act of  XXXX  and FCC regulations. Additionally I believe that this violates deceptive practices under the FDCPA.     2. Their call was a robo-call made to my cell phone. They have been notified multiple times that this is my cell phone. I believe this to be a willful violation of the TCPA.
3. It was stated in the Robo-Call and in the subsequent phone conversation that I had with a gentleman there ( who hung up on me when I informed him he was in violation of the FDCPA ) that they are sending this to a process server today so that I can be served with a summons. They have not filed suit against me, nor do they plan to. I believe this to be another violation of the FDCPA.
All of this from a 3min 5sec phone   call.

Company response to consumer: Closed with explanation