vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I order a free copy of my credit report on XX/XX/2016. Upon checking my credit report I noticed that there were inquires done as if someone is trying to use my information. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. I have not inquire about any credit on these dates listed on my credit report. Although, I know it stated on my credit report that it does n't affect me I am convince someone is trying to use my information to obtain credit or tangibles. How do I stop this? In about an year I want to purchase a home and I do n't want any of this on my report at the time of purchase to affect me. I have several vehicles that are paid off so I was n't at anytime trying to purchase another vehicles. I am disputing other items on my report so that 's not an issue. The issue is someone is trying to use 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 non-monetary relief
Consumer complaint received 2017-01-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I just became aware of it. 

The security questions are asking if I applied for a car loan in 2013 and I never did. 

At this time I can not publish any suporting documents. I have also had the Social Security Office ask the security question of whether I have obtained an auot loan in 2013

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 2016-07-18 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: WLCC
State: MI

Complaint narrative:
I took out a loan the Leander was taking hundreds of dollars out of my account per month but the debt was not being paid off after several weeks of paying I was told there is an {$8.00} a day interest rate I do not think that is fair and I know the loan should be paid but now lender is threating wage garnishment

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-14 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: DISCOVER BANK
State: NJ

Complaint narrative:
XXXX sent me a letter dated XX/XX/XXXX stating 1 ) they had been retained by Discover Bank, 2 ) notice of opportunity to contact within 30 days to dispute the debt, and 3 ) a statement they are a debt collector. The letter was delivered uncertified. 

II. I responded on XX/XX/XXXX. In that letter, I asked XXXX to validate the date. The letter stated to respond to a specific Notary Public ( who would verify and validate receipt of said validation ) within 30 days. The letter was sent by certified mail and received by XXXX approximately one week later. 

III. I also pulled down my credit report and saw that this debt had been charged off. 

IV. I was served with a lawsuit on XX/XX/XXXX by XX/XX/XXXX regarding this matter. 

ISSUE : This firm stated they were retained by Discover Bank. That claim is patently false, since the debt was charged off. If Discover Bank was still pursuing this debt, it would not be at that status, so this firm has made a false statement regarding its disposition on this matter. Further, this firm has stated they are a debt collector further down in the letter. This indicates that they obtained this debt as third party debt collector. 

The statements made by XXXX in the letter are fraudulent and misleading, and intended to intimidate. Further, XXXX has extended this fraud into court.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-25 00:00:00
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
I lost my job and got behind on my Discover Card payment. I contacted XXXX XXXX, a debt management organization, to help me consolidate my debt to get it paid off. I contacted them, but did not sign any agreement forms with them. On the advice of the Counselor they advised me to get my entire credit account number by calling Discover, this was in the month of XXXX 2015, since I no longer had the card. I called the XXXX number for Discover and was transferred to the collections department. I spoke with the representative and reiterated many times I have not signed with a debt management program I just need the account number. The Discover Collections representative threatened to send my account to their " attorney '' if I hung the phone up. So I was forced into signing up with their collections department 's program if I did not want them to turn my credit card account over to their " attorney. '' I discovered that what they did was unethical and perhaps illegal. I contacted Discover and was assured by a " manager '' that my recorded/monitored call would be listened to and they would follow up with me to know the outcome. I made numerous calls over the next two months to see if what that Collections representative did was unethical/illegal, but to no avail. Fast forward to XXXX I have signed up with XXXX XXXX for debt management services. XXXX contacted me letting me know that Discover had me in their Collections Department debt management program, therefore I could not be in XXXX 's. I was livid!! In XXXX 2015, I called Discover and spoke with a Manager who assured me I would be taken out of Discover 's debt management program. The Manager also said she would forward my complaint on to the correct department. I do n't believe Discover one bit I think they are scammers and if that Collections representative used unethical/illegal collections tactics with me he will use them with everybody

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: DISCOVER BANK
State: LA

Complaint narrative:
I signed up for 3 automatic payments with discover card to bring my account current. After 3 months i was sinstructed to call in or make manual payments. After the 3 months my account was not current. I asked why. Discover said that i didnt get the full amount credited to my balance because i had been a part of the program the prior year. Therefore the interest and late fee charges still applied. AboutXXXX of XXXX dillars was going to my past due balance. When i complained, Discover told me there was nothing they could do.XX/XX/2016 money was automatically withdrawn from my account. Now XX/XX/2016 XXXX dollaars was taken from my account. When i call to complain they also tell me tbere is nothing they could do because there was no notation in the system stating that i wanted to stop payments. However the original agrement was that i only pay for 3 months automatically and then i would switch to manual payments ( hence no automatic payment occurring XX/XX/XXXX ). Im HIGHLY upset.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I filed Chapter XXXX bankruptcy that was discharged in XXXX 2015. I applied for a mortgage loan. They were unable to pull my equifax credit. I sent on three occasions my ss card and drivers license. Once my name was corrected, my credit report obtained information from someone with the same name. I disputed this information. Some has since been deleted but now it us showing public records that was once off. This has caused me great issues with my purchasing a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: DISCOVER BANK
State: PA

Complaint narrative:
I overpaid Discover Student Loan Services ( {$2000.00} ) and have been getting the run around trying to get a refund. It 's been over 70 days since I gave them notification ( e-mail and I have a solid paper trail ) and I continually get " the check is in the mail ''. Any suggestions?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-09 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: DISCOVER BANK
State: NC

Complaint narrative:
Discover ran XXXX concurrent promotions in XX/XX/XXXX, including a Double Cashback Bonus Promotion ( wherein all cashback earned is doubled for 12 months after enrollment ) and an XXXX XXXX % Cashback Promotion ( wherein through XXXX XXXX, XXXX, you 'll earn an extra XXXX % Cashback Bonus ( R ) on up to {$10000.00} in purchases when you shop in stores and use your Discover card with XXXX ). I enrolled in both promotions with my XXXX Discover Card accounts ( XXXX ending in XXXX, another ending in XXXX ). To date, Discover has failed to pay {$1400.00} in cashback bonus that I earned during the promotion. 

Between XXXX XXXX, XXXX and XXXX XXXX, XXXX I made XXXX different XXXX purchases at XXXX and XXXX 's using my XXXX Discover Cards totaling {$7400.00} ( receipts attached in this complaint ). Discover sent me emails suggesting these purchases did not qualify for the promotion because they contained gift cards. As requested by Discover, I sent documentation on XXXX XXXX, XXXX proving the items I purchased are not gift cards. I 've repeatedly requested that Discover pay the cash back bonus on the {$7400.00} in XXXX purchases but they have been non-responsive ( this includes, but is not limited to : an email on XXXX XXXX, XXXX, a call placed on XXXX XXXX, XXXX where I spoke with XXXX in XXXX, a call placed on XXXX XXXX, XXXX where I spoke to XXXX in XXXX ). 

Discover will claim that these purchases contain " gift cards '' and therefore do not qualify. However, this is problematic for XXXX reasons : ( 1 ) Discover did not initially claim that certain purchases would be ineligible for the promotion, and ( 2 ) an examination of my receipts will show that I did not purchase products that are sold or marketed as gift cards. 

It is bad faith on Discover 's part to run these promotions and not honor them. As a result of the promotions, I made my XXXX Discover Cards my primary credit cards for my purchases ( winning my business from other financial institutions ), and referred friends and family to sign up for Discover 's credit cards ( winning new customers ). They earned my business and the business of friends and family as a direct result of these promotions. Their marketing efforts were successful, perhaps too successful, and that is why they are attempting to avoid paying out the cash back I earned on these purchases. They have failed to fully honor the promotions. 

I 'm requesting payment of {$1400.00} in cashback bonus for the receipts attached in the complaint. 

XXXX purchases that have not been paid cash back bonus ( including XXXX % for XXXX, and doubled, per the XXXX concurrent promotions ) : Location Amount Date XXXX {$450.00} XXXX/XXXX/XXXX XXXX {$470.00} XXXX/XXXX/XXXX XXXX {$450.00} XXXX/XXXX/XXXX XXXX {$1000.00} XXXX/XXXX/XXXX XXXX {$1400.00} XXXX/XXXX/XXXX XXXX {$1500.00} XXXX/XXXX/XXXX XXXX {$2000.00} XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-24 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: DISCOVER BANK
State: MD

Complaint narrative:
Discover card offers a price protection guarantee for items purchased using the card whose price drops within 90 days of purchase. I purchased a number of iPads that later dropped in price, but the company to whom Discover outscources their claims service, XXXX, refuses to pay out on the claim. The reason cited is that there is an exclusion for paying on no more than XXXX of any identical item. I purchased XXXX iPad mini 4 XXXX in Space Gray, and XXXX iPad mini 4 XXXX in Gold, and I have been told that only XXXX of these qualify ; the terms exclude size or color in the determination. However, in looking at DIscover 's terms and conditions listed on their website, I was only able to find the following sentence : " Coverage is limited to XXXX of an identical item with a limit of XXXX refund per eligible item. '' Nothing about color or size. The XXXX different types of items have different model numbers, are discounted independently from oneanother ( there was a sale at staples where silver iPad mini 4 XXXX were not discounted but the other colors were ). By any reasonable reading of that sentence, one would conclude the items are not identical.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-30 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: NJ

Complaint narrative:
case number XXXX XXXX disabled their online payment system to make payments. It has been shutdown for almost a month so far that I know of. 
They are requiring payments by the XXXX of the month, which is not possible with the system disabled and i have no control over mail delivery, especially with holidays.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Rent Recovery Solutions
State: AL

Complaint narrative:
A proper billing statement was not received from the original creditor. The original creditor is The XXXX XXXX complex. After moving out of the apartment, a summary of charges was sent to our new address. This statement did not include an address to send payment, payment methods, payment stub, or due date. Adding to the confusion the enveloped the statement was sent in was addressed from XXXX, GA. The summary of charges document inside the envelope is addressed from XXXX, Al. This debt was sent to Rent Recovery Solutions. The collections agency was notified via telephone on XXXX/XXXX/15 when they called that proper billing notification had not been received from the original creditor, and that they were to only communicate via mail. This demand was ignored several times as we received several phone calls until we sent a certified letter again explaining the situation and requesting validation. The validation sent was the same summary of charges received from the original creditor that again did not include a due date, options of payment methods, payment stub, or address to send payment. A dispute has been sent to XXXX and XXXX, situation explained, proof submitted and has been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me instead of my attorney
Company: Rent Recovery Solutions
State: AL

Complaint narrative:
Rent recovery calls me multiple times a day I spoke with them advised them I 'm sending the letter back to dispute the amount and gave them my lawyer information. They called me back XXXX he later and said they never called she check the information and realized they did..this is constant..I see the number XXXX4 times a day

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Dovenmuehle Mortgage, Inc.
State: TX

Complaint narrative:
On XXXX XXXX, 2015 a complete short sale packet was sent to the lender. We followed up daily to see if there is a status update on the foreclosure sale date postponement. EACH time, they were having difficulty authorizing agent XXXX XXXX XXXX and took several minutes to dig through and find the authorization sheet. Every update they gave XXXX XXXX was indicating that docs are in and under review. It took more than a week for them to simply let us know they needed bank statements dating back to XXXX and to advise they did n't receive forms ( RMA, HUD1, Articles of Incorp, and XXXX ) to which we definitely sent and have confirmation of submission. They are very unorganized and are showing lag in response time which is resulting to our foreclosure sale date approaching quickly ; as a request to postpone has yet to be placed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: DISCOVER BANK
State: MN

Complaint narrative:
Discover is mistating my current balance. Please see attachment. The math does not add up. Also, please not that the attachment shows the pending activity so it can not be due to the pending activity not showing in the current balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I have been a victim of identity theft in 2002 once i been came XXXX. My purse was stolen that had mi bank account information, social society card, birth certificate, driving licence,. I file police report and close my bank. It have been many many checks written out in my name and number loans, cell phones account been open in my name, cable bills in my name student loans XXXX my name. All items are unpaid and on my credit report and under my driving licence. I have contact all XXXX credit bureaus along a credit repair XXXX law firm and ask all XXXX credit bureaus ro remove all negative items off my credit report. They have yet to remove items. Saying all items was mines. So ask someone please ask them to remove these items. Some items been over the seven year time frame. They have my credit horrible saying thing like i have charge off account and account not paid as agreed. I 'm XXXX years old XXXX mother and i ca n't get anything for the things that on my credit report that not mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Listed XXXX addresses that belong to family members.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Please cross reference CFPB Case number : XXXX. The account with XXXX XXXX XXXX loan number XXXX was completely ignored in the previous CFPB case. This account should have been removed at the same time as the other accounts in the previous complaint. Equifax provided no response at all to this trade line in their response. All of the accounts in Case number : XXXX should have been removed as they all became past due at the same time. 
( Also, Equifax did not remove XXXX account XXXX as they said in their response to the last complaint. I had to call on XXXX/XXXX/15 and have it removed after talking to a customer service rep named XXXX. Confirmation number XXXX. )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
This debt does not belong to me. I 've disputed it several times. Every time, it drops off of my credit report and then reappears two months later, taking my credit score down XXXX points. The debt seems to be sold to different collections companies over and over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
VA paid for an emergency visit. For service connected vet the credit people post the debt as the vetransand shows collections .same with forgivin student loan. Shows serious delinquintcy in all XXXX cases and ruined credit. The student loan is 15 yrs old the originators of the emergency debt even wrote a letter requesting it to be taken off with no avail. Help

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
The date opened and when the account for the original creditor ( XXXX ) went past due as reported by XXXX XXXX on my report needs to be corrected. They are reporting an open date of XXXX/XXXX/XXXX, which is incorrect. The records I have been able to find show the account possibly should show dates from XX/XX/XXXX or XX/XX/XXXX. 
I submitted a request through you to XXXX who has responded to me they completed their investigation and gave the result that the item was corrected/deleted. I can provide a copy of the letter dated XX/XX/XXXX from them if needed. 
Any help getting the correct dates for this debt corrected is appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting a complaint regarding 2 tax liens that are showing on my Equifax credit report. I did not know the source of their information on the liens and due to this Equifax violated the Fair Credit Reporting Act. in addition both liens are " PAID, AND ORDERED CANCELLED FROM RECORD '' from the Georgia Department of Revenue. I have submitted court documents affirming this to Equifax and they have refused to remove the liens, despite court order. I have previously disputed the liens with Equifax 3 times but they have not removed them from my credit report.

Company response to consumer: Closed with non-monetary relief