vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-14 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: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
There is an account listed on my reports from Pinnacle LLC that should not be reporting. The Federal Trade Commision has stated in federal court orders that Pinnacle is prohibited from participating in debt collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: McCarthy, Burgess & Wolff, Inc.
State: IN

Complaint narrative:
In XX/XX/XXXX, I hired XXXX, to assist my cleaning service with payroll processing, and workman comp insurance. I spoke with XXXX concerning the finished work and no longer needed workman comp insurance, because the initiated the connection, between XXXX XXXX XXXX and myself, or XXXX XXXX XXXX XXXX, which I am owner. The continued harassment about an audit, which was not supposed to take place, without my consent was taken. The phone calls started XX/XX/XXXX. Thereafter, the continued calling me two, to three times a week has to stop. XXXX only processed one payroll for XXXX XXXX XXXX XXXX XXXX, and sent another payroll, which I did not receive, until I came to my home office, which was about XXXX XXXX  on XX/XX/XXXX, and at that time I only had two people working. XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX has called me too many times. XXXX XXXX called, me today and told me to stop talking over her and I was unprofessional, because I do owe them for seven payrolls, which they had to commit to an Audit. I hung up, came, to my computer, and announced one again, which I had done several time, and told her I was filing a complaint against them, and she said, I will not call you any more, and I told her, I have told you several times to stop contacting me, but she continued. The constant contacting me, and harassment has caused me great anguish, and the continuing calling XXXX and XXXX, has cause me a mental break, " I only had two payroll processed, because the job only lasted two weeks ; '' " It was a final cleaning contract. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax refuse to include my maiden name. I 've submitted my drivers license in XXXX. My married name is XXXX. All of my former employers have been deleted. I sent a current copy of my social security card with my name as XXXX XXXX XXXX. I 've sent a copy of my IRS statement showing my name change.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 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:
Someone most had got my information

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 2017-09-14 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:
We have tried several phone numbers for Equifax and their website to attempt to place a security freeze on our accounts. Repeatedly knocked out of website and calls not going through, probably due to being overloaded.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
I recently discovered that PRA is reporting inaccurate information on my XXXX report, which is negatively affecting my credit. According to my XXXX report PRA is reporting the collection account as the original creditor XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX as an open account with a past due balance as the payment status. I never opened an account with PRA.  The terms of the account is listed as one month although I have not entered into any terms with PRA regarding either account. PRA list the accounts with a credit limit/Original amount as if they are a creditor that extended credit to me. In addition, PRA list payment and balance history for both accounts monthly, which debt collectors are not allowed to do. PRA updates the " Date Reported '' date monthly, and with a Payment Status of " Collection Account '', and with no " Date Closed '' Date. I believe these are all violations of credit reporting of a collection account. 

I have also, on numerous occasions, provided proof that I did not receive any kind of notification of the debt, which CFPB and PRA continue to ignore. I have provided a copy of my DL that states my address at the time PRA said they sent a dunning notice. 

The choices given by CFPB for issues with a company are so limited and narrow and I am forced to make a selection that may not adequately identify my issue with PRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 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: CT

Complaint narrative:
Equifax states that all of the personal information they have stored about me MAY be impacted by the hack Equifax suffered in XX/XX/XXXX. It was revealed to the public mid-XX/XX/XXXX. They recommended signing up with their credit monitoring product free ( due to this issue ) for a year. When I tried to do this I had to sign up several times, because they were not processing my request. When I called them they simply said they had no record of my signing up and said I would have to sign up again. This is intolerable, unprecedented, and WRONG. For a situation like this the free monitoring service should be a lifetime membership, because what they allowed to happen will impact me for my lifetime, and beyond. For all I know my SSN, medical records, personal card information, and anything else about my life, could be in many unscrupulous hands and would likely be used for purchases, get medical work done, obtain a visa, or any number of things, over the course of my life and even after I die. This is a life changing event for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 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: CA

Complaint narrative:
In response to the XXXX Security Breach and to protect myself from identify theft, two days ago, Tuesday, XX/XX/XXXX, I froze my credit reports with XXXX, Experian and XXXX. I accomplished this online for XXXX and XXXX, and by phone for Experian. At the end of the call with Experian, a recorded voice told me Experian would mail me my PIN number. As you may know, a PIN number is the only way a consumer can unfreeze their credit report. If I were applying for credit, to  include renting an apartment, and the lender used Experian, I would be in a bind to say the least. Today, Thursday, XX/XX/XXXX, I called Experian at XXXX ( XXXX ) XXXX to find out when they would mail me my PIN number and when I would receive that information in the mail. I was on hold for more than an hour, and never spoke to a real person. I would appreciate the CFPB assisting me in contacting Experian and finding out when Experian is mailing my PIN number and how soon I will receive it. Thank you for your assistance, which is greatly appreciated.

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 2017-09-14 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: MD

Complaint narrative:
For each of the last three days ( XXXX XXXX -XXXX, 2017 ) I have attempted to place a credit freeze with Equifax due to its security breach. After I entered my information on the Equifax 's website, I reach a screen that says the credit freeze service is unavailable at this time. I attempted to call Equifax to try to achieve resolution, but got only recorded messages that provided no help. I would like you take action on the behalf of myself and others to require Equifax to make credit freezes available when people ask for them. That 's the very least Equifax should be expected to do to prevent damage resulting from the security breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: DISCOVER BANK
State: TX

Complaint narrative:
My Discover card company filed a dispute chargeback in XX/XX/XXXX. There was fraudulent activity on my account and the issue was resolved in my favor however the chargeback was reported to all the credit bureaus and my score dropped 40 points as a result thereof. 

I called Discover card immediately upon finding this out in XX/XX/XXXX. Discover said that they sent a letter requesting for that to be removed to all 3 credit bureaus. I see that my score is still not reflecting this correction. 

How do I get this removed? Discover has sent another letter today and said all three bureaus should be receiving it within 24 hours. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX XXXX, XXXX I had ordered a new card through JP Morgan Chase 's telephone banking because the card I had was n't working correctly. I would have to swipe a few times before it actually worked. I never received the card I ordered and on XXXX XXXX I called back to customer service telling them that I still have n't received it. They told me the card was still being processed and there was a demographic change on my account causing my card to delay. They stated the only way to over ride the card was to go into a branch. On XXXX XXXX I went into the branch and unbeknownst to me she closed the card I did have. And only when I went to the market on the XXXX I found out the card was closed. She also stated that it would be rushed delivered. I went back to the branch on the XXXX telling them the closed the card without my knowledge and that I needed some way to get around for the weekend also I waited on all day on Friday to get the card and still nothing came. I waited as well on Monday the XXXX because they stated that it was past the issuing time that it was delayed by a business day. So on the XXXX XXXX called Corporate they did n't know why this was happening and to go back to the branch. I called the telephone banking spoke to someone in the fraud department and he stated he fixed the demographic hold on my account and would rush deliver no later than Thursday the XXXXAnd to call back in the morning to get a tracking number so I called the XXXX for a tracking number and they could n't give me one so this morning the XXXX called to get a tracking number so I can have an estimated time when it would be delivered. They told me to go into the branch and have them approve the override and to tell them to call consumer services to reopen the card I had that was originally giving me problems and the card I ordered on the XXXX was still being processed. Went into the branch and no one could help me. The personal banker told me to leave the branch or she would call the police on me that she could no longer help me. I told her to go ahead and to give me the district managers number because my card that I had was closed and all the cards I ordered have never been received or even shipped. And no one was held accountable for giving me the run around. It feel distrimated and be little by them. To be told they would call the police is a big threat I was n't violent or yelling simply want to resolve this issue before I go out of town next week. I have XXXX little kids if an emergency arise where I ca n't get to them because I have no card to get gas I would hold them accountable. I have all three emails stated I ordered a new card but my personal information is on it

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
XXXX XXXX is stating that I owe {$2000.00} for services with Synchrony Bank from 2013. Thy are not able to provide any documentation bearing my signature, where the balance is coming from and what exactly it is for. I have sent several certified letters demanding that they provide me with all of the documentation to support this, which they have failed to do so. The only letter I have received was a letter stating the balance was " verified ''. This is a COMPLETE violation of Defamation, Negligent Enablement of Identity Fraud, Violation of the Fait Credit Collection Act and Violation of the Fair Credit Reporting Act. This is severally hurting my credit score and I have spent hours of my time and money trying to get this resolved. I demand that this be completely deleted from my credit report with ALL 3 bureaus. My next step will be small claims court, which I have already filled out paperwork & obtained an attorney. I expect this to be taken care of within the next 30 days.

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 2017-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
We paid the mortgage on time for many years. Then there was illness XXXX XXXX was hospitalized on numerous times. Then there was XXXX in the family. 
Then their sum was put into correctional facility. Then they took their car and they could not get to work. 

The Nation Star Loan Service will not work with us. The reason they stated was that we had to wait until 2018.  House home is already in the foreclosure status. 
We paid XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX to help us. They charged us {$3500.00}. so far we have paid them {$2600.00}. They could not get us a modification from Nation Star Mortgage we asked them to return our payments but they wo n't. 
The contact person is : XXXX - XXXX XXXX - XXXX At this point we are waiting for help in getting the Nationstar Mortgage to work with us. 
When we received the modification we had no choices take it or lose our home. We had a sale date at that time this was the only way to stop the sale and keep our home. 
Please help us we have XXXX children XXXX under the age of XXXX years old. Please help us work with Nationstar mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have a XXXX XXXX ( NOT XXXX XXXX ) account XXXX that has been opened since XX/XX/17 and is being reported to the other 2 bureaus as such, this credit card company ( Corp. office number that handles the info being sent to bureas ( XXXX ) XXXX ) on numerous back and forth occasions state that transunion is listed as one of the bureas they report to as they report to all 3, transunion tells me that this card company must not be reporting to them because they do not gave any account info from them, transunion is telling me that are at fault and XXXX XXXX is telling me transunion is at fault, I am certain that XXXX XXXX report to the 3 bureas as per my research during and after I received the card and became an account holder, transunion states that there is nothing that they can do and XXXX XXXX says they ca n't send over information twice they just send it once a month, transunion recommended that XXXX XXXX give them a call and speak with then directly but XXXX XXXX states that that can not be done because it Is not their policy, I have done everything in my power to resolve this but everyone is blaming each other, I am positive that XXXX XXXX sent over info to ALL 3 BUREAUS but transunion keeps insisting that XXXX XXXX must not be signed up with transunion I am trying to rebuild my credit and find a place to live and I am being told me transunion report will be pulled, and my score and report is hurting because it submit showing the open revolving credit card account from XXXX XXXX which the other 2 show and it 's affecting my well being and life I tried everything, everything, I even tried a conference call but transunion states that are n't allowed to do conference calls and they released the call please help me

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 2017-09-14 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: CA

Complaint narrative:
I 've been disputing a XXXX account that has been on my report Account # is XXXX reflecting a 2010 opening. This account has been in dispute. I 've contacted the creditor reporting it and they sent a letter stating that they do n't own the account and are not reporting it. I forwarded that letter to Experian to have it removed and still it is there for no apparent reason. I 've tried to dispute it online and it gives me a red note stating that the account was already disputed and ca n't be disputed again. It 's an unverified account that ca n't be verified and the company showing on the credit report does n't even own it. I want this account removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 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: TX

Complaint narrative:
Someone most had got my information

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
XXXX I have had the same account and card from XXXX for the passed 19 months I have not gotton a bill or and email bill from them in the mail. I report it to then 19 months ago my home was robbed and id stolen but they still have me with my name using this card the only way I know is the bill is getting paid through my checking account which I told my bank and had a police man came to the home to report it then! they have sent me pre approved increase amount and they have said no because my balance is to high they sent me filyers in the mail saying I have discounts and rewards to use. how can I when the amount on the card is maxed out and someone still using my old card and got adublicate card. an XXXX refused to listen or do anything about it. I paying someone to use my card and they stole it and my bank number. people should not have to pay a bill if they never get a bill on paper or a bill from email. the card says vaild through XXXX XXXX needs to repay me all the money back that I have paid and have a XXXX  balance on my account. then they have the gull to send pre approved letters every six months with a date to take it. like I said above. then when I do they say the limit is to much or I have not called

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 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: TX

Complaint narrative:
I am one of the 143M Americans whose credit information was compromised by the recent XXXX data breach. I have worked many hours to try to understand and respond to the situation, and I am still not out of the woods. It appears the most complete level of protection for my information is a security freeze, which will cost {$10.00} in my state, Texas. Though I may get it free from XXXX, who has announced no-charge freezes and thaws for a few weeks, for those whose information has been accessed. ( I do n't know yet if this applies to me, whose information " may have been '' exposed in this breach, as expressed in their web tool in which I entered the last 6 digits of my SSN- how come they ca n't just say yes or no?? ). I would strongly suggest that ALL credit reporting agencies offer free freezes and thaws upon request from any customer ( with appropriate ID verification ). Forever. And that they notify us any time that anyone has requested our information. These agencies are making money on OUR information, and I do n't recall giving them the OK to share that. If that 's what they do, they should be totally accountable for the safety and privacy of that information. 
At this time I do not think anyone has committed any fraud against me, but the danger is clear. I believe any credit reporting agency, business operation or bank which uses people 's SSN 's and financial information must be held totally responsibly for any losses the person sustains.

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