vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-31 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I sent a dispute letter to Equifax regarding XXXX and XXXX. The Bureau received my dispute on XX/XX/XXXX and was verified by the US postal service. The bureau failed to respond to my dispute within 30days and they were unable to verify the collection accounts as required by the FCRA. the Fair Credit Reporting Act, 15 U.S.C. 
I asked the credit bureau to send me any documentation they had on file verifying that these accounts belong to me. I have no knowledge of these accounts. On XX/XX/XXXX, I contacted Equifax for and spoke with XXXX ID XXXX Supervisor of the dispute department. She told me that Equifax did not collect or retain documentation of the information they received to verify that the debt belong to me. The collection agencies wanted me to call to verify. These items should be removed and Equifax should be fined for reporting inaccurate information and not properly documenting account. 

Credit reporting have a duty to verify and report accurate information. These account should be deleted immediately per the letter I sent on XX/XX/XXXX. Equifax has not responded in a timely manner and can not prove that the debts are mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am requesting with this notice that the following account be DELETED from my credit report. XXXX ( NOT MINE ) this is a result of ID THEFT and is causing me financial distress because of their derogatory information. Appropriately, I can show a judge at XXXX XXXX OHIO that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items correctly. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. If this final request does not prompt you to conduct a proper investigation of the accounts in question, and send proof to me of said investigation, how it was done with who with contacts actions I will file a civil suit in XXXX XXXX Against XXXX if no results for damages. I take my credit very seriously and your lack of proficiency and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. I stand by the right to sue your credit bureau for violations of the FCRA and I believe I can prove to full extent, that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process further. I am irritated at your indictment and I have consulted with the court my rights in regards to my credit file. I look forward to your expediting my original request immediately. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. This is NOT a request for " legalization '' via E or evidence of my mailing address ect, but a demand for AUTHENTICATION made pursuant to my Precise name Date of Birth Social Security Number and correct XXXX accordance with section, of the Fair Debt Collection Practices Act. Or I request this be Deleted with immediate effect. I am also requesting the names, addresses and telephone numbers of individuals contacted or going to be contacted during this time with my signature. Absent such proof, you must correct any erroneous reports of these as mine. Please evidence your endorsement under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. What is your authorization of law for your gathering of information? What is your authorization of law for your collection of this supposed debt? Please evidence proof of the alleged debt, including specifically the alleged agreement or other instrument bearing my signature or authorization. 
Consent to publish the description of what happened? Consent provided

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-29 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax refuses to provide REAL telephone numbers to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: I.C. System, Inc.
State: KS

Complaint narrative:
IC systems along with XXXX XXXX XXXX are threatening a court action on a debt that is from 2001. It is from a XXXX account that IC Systems have just recently put on my credit report as a new debt. They have started to call several times daily from different parts of the country and with threatening phone calls to take me to court. I believe through research that this is a scam on old debts that have been deleted. I want this off of my credit report along with them being told to stop harassing me. 

Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
I attempted to take advantage of the below payment plan offered by Paypal Credit, however, the rep I spoke with previously by the name of XXXX insisted on a monthly payment of XXXX for six months which I can not afford. If I could afford such a high payment then the account would not be past due and over limit, which is obvious. Why Paypal still offers a plan with a high payment, I have no idea. I think the settlement offer is reasonable, considering there is fraudulent charges from an Ashford.com which run into the thousands. However, Payal Credit now insists on a payment amount of XXXX for six months. Paypal did offer two other payment plans, however, they do not offer any settlement which is reasonable as there is fraud on the account as stated before. I 've called in to Paypal Collection dept and reps like to lie stating there is a cease and desist order on the account when there is not, this is so they do not have to discuss the account prior to closing at XXXX EST. They will also breath into the phone, then hang up if it is a few minutes before closing. Please advise Paypal I will accept settlement plan below due to fraud charges, however, I can not afford XXXX a month. I can afford XXXX. 

Settlement : Settlement offer of {$2800.00}, which is XXXX % of your current balance of {$5700.00}. If accepted, your account will be considered settled for less than the full balance due after you send a payment for the full amount of {$2800.00} on or before XX/XX/2016. Alternatively, you may make six installment payments totaling {$2800.00}, the first of which must be no less than {$110.00} and must post to your account on or before XX/XX/2016, and the five remaining payments, totaling {$2700.00}, approximately {$550.00} per month, must post to your account on or before day 20 of the following five months, respectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX, I expressed interest in XX/XX/XXXX, XXXX ( XXXX ) that I found on XXXX, at a dealership named XXXX TN. I was instructed to go back to the website and apply with their lender, XXXX XXXX. I was pre- approved for {$39000.00}. ( XXXX ) I was emailed contact info from XXXX XXXX, though I eagerly anticipated purchasing this vehicle I stopped hearing from XXXX.On XXXX XXXX, I emailed XXXX XXXX ( XXXX ) and told him I was no longer interested in purchasing that vehicle or doing business with them. I asked that they properly discard my personal info and since I was pre approved, I should not be receiving a denial letter. I found a XXXX, at a dealership in XXXX AL, I was approved on XXXX XXXX by XXXX XXXX and took a XXXX bus on the XXXX XXXX, signed the documents and drove my truck back to Georgia.Though I 've been driving my truck for almost a month, as recent as today ( XXXX ), my credit is still taking hits ( XXXX ) by being denied financing for a vehicle I requested that I was no longer interested in.Despite being pre approved by their lender and approved by XXXX, My credit is still taking hits!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
I had my mortgage with XXXX XXXX XXXX. In XX/XX/XXXX, XXXX XXXX XXXX sold my mortgage to Seterus. I had no prior notification from Seterus about my loan is being transferred. I ca n't make my XX/XX/XXXX payment on the due date because I have no information where to make my payments. I wanted to verify my ending balance with XXXX XXXX XXXX but all of my prior information, including my prior monthly statements are all gone. I was finally able to sign up an online account with Seterus and got a copy of my initial statement. But there is no way I can verify the beginning balances with Seterus are correct. And I realize that they had charged me {$250.00} legal fee to my account. I dont believe its fair for me to pay for any legal expenses on sales transactions between XXXX XXXX XXXX and Seterus. When I called Seterus to complaint, they refuse to refund this {$250.00} legal fee. Instead they gave me a PO box address and told me to write a letter to that address. This is completely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
Pressler and Pressler Collection Agency has been collecting monies on a debt way longer than they should. They received the debt plus plenty of interest to date. This case should be closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax has been ignoring the rules set forth in the FCRA. Back in XXXX XXXX I sent a dispute in for acct US Dept of ED. Equifax claimed they verified the account on XXXX XXXX, XXXX & I needed to contact the data furnisher for further verification. On XXXX XXXX, XXXX I sent the data furnisher a letter requesting all proper documentation verifying this account belong to me & I was liable for the account. I also wanted to know the methods used to investigate the account. I was n't convinced they account belong to me or was properly verified using the proper methods required in the FCRA. On XXXX XXXX, XXXX, US Dept of ED received my letter. As of today 's date I have never received any correspondence from US Dept of ED. On XXXX XXXX, XXXX I sent a complaint back to Equifax explaining that US Dept of ED has ignored my request for further information & they needed to remove the account from my report. It has been over 2 months now since my XXXX XXXX, XXXX letter was mailed. Equifax still shows the account on my report & has not sent me any correspondence as to why it has n't been removed. I would like this account removed at once ... it does n't belong to me ; there is no signed agreement between me & the data furnisher which I 'm aware of & Equifax has failed in doing their due diligence in protecting my credit. I would like this account removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was viewing my XXXX XXXX report and noticed that there were XXXX inquires from XXXX. I contacted them and they referred me to Equifax and Equifax refused to dispute. They redirected me back to XXXX. I am entitled to dispute fraudulent inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: MA

Complaint narrative:
Dear Madam/Sir : [ Today 's date XXXX/XXXX/2015 ] Today, I contacted Seterus, Inc. by phone ( XXXX ), to request a copy of my current monthly statement, which reflects all of the missed payments up to the currnt date. I usually login into my account online to obtain any information I need, but because the last statement reflected on my account, as of today, was not current ( only went up to XXXX 2015 ) I was forced to call to request the information by phone, expecting it would be mailed. 

The first representative I spoke to told me that I would not be able to receive a current statement that lists the outstanding monthly amounts because I was automatically opted out of receiving monthly statements and placed into a category of borrowers who now only receive coupon payment vouchers. This is not a request that I personally made, but that Seterus placed me in. I proceeded to ask the representative for a copy of my current monthly statement, but he refused to process the request. He stated that he needed to know why I wanted a copy of my account. I explained I needed an accurate record of all missed payments. He refused to process my request. I asked that he transfer me to his manager. 

His manager, XXXX XXXX, was placed on the phone. At the start of the conversation he explained that Seterus could provide a statement, but could not provide a letter. I said that a statement would be fine, as long as it provided the amount I owe of the missed monthly payments. He then began to ask questions on why I needed the statement and what it was being used for. I explained that it was for my records so that I could confirm the exact amount owed in order to bring my acount current. He then began to create reasons he thought on why I needed the statement. I explained I needed an accurate record in writing. I told him that I have always received statements. I am not sure why Seterus would cancel my ability to receive paper statements without my consent. XXXX . XXXX, the Manager then said that it was Seterus ' perrogative to do as they choose. When I told XXXX . XXXX that I now have all of the information I need to discuss this matter with the proper authorities and that I was happy the call was being recorded, he then said that Seterus could provide me with the letter with my account information, but that it would have to be requested from a department called " Correspondence ''. The address provided was : XXXX XXXX XXXX, XXXX, CT XXXX. He said it would take 30 days to process the request. 

I was refused a copy of my current statement and told that this information was inaccessible to me at this time. The explanation provided was that I have been placed in a category of borrowers who have been forced to receive coupon vouchers without their consent. I just want a current copy of my montly statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I disputed the fact that a Chapter XXXX bankruptcy that I filed XXXX and was dismissed on XX/XX/XXXX should no longer be reported on my credit report. The laws clearly state that ChapterXXXX bankruptcy will remain on your credit report for 7 YEARS from the date filed, which it should have been removed XXXX. I XXXX disputed this in XXXX, with Equifax. Equifax reported that this bankruptcy was mine and verified XXXX. As of today it is still on my record. XXXX XXXX and XXXX did remove the bankruptcy XXXX. I again disputed with Equifax in XXXX about the bankruptcy, and again they claimed it was verified as accurate. After talking with a customer service agent with Equifax, they informed me that I had to call the bankruptcy court and dispute the record. On XX/XX/XXXX I called the court, and they advised me that they do n't report anything to the credit reporting agencies and that I needed to consult with an attorney. Nevertheless I 'm getting tired of the run around and the time its taking to resolve this. Especially when the XXXX other credit reporting agencies have since removed the negative information from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX XXXX XXXX on or about XXXX/XXXX/2015 on EQUIFAX. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: OR

Complaint narrative:
I have a mortgage with PHH Mortgage Co of XXXX XXXX 
PHH has a responsibility to collect my monthly mortgage pmts in a timely manner via ACH Direct Debit as established on the ACH authorization form that I signed and submitted XX/XX/XXXX. 
PHH was in compliance until I began to periodically submit clearly marked 'principle-only ' pts via check in XX/XX/XXXX. As directed by PHH, I always delay mailing these pmts until after the loan pmt is scheduled to be debited from my bank which is the XXXX of each month. Also, as directed by PHH, I mail the 'principle-only ' pmts to XXXX XXXX XXXX XXXX XXXX Yet, many times PHH is not taking the ACH debit action on the XXXX, but rather uses my 'principle-only ' check to cover that pmt due on the XXXX and applies only the balance of my check to the principle. The result is my loan pmt is delayed and my {$1000.00} 'principle-only ' check results in a mere {$440.00} applied to the principle. 
I see this as a fraudulent means for PHH to manipulate and collect additional interest on this loan and to deny me my right to pay this loan off as quickly as I can. 
I expect this mammoth mortgage company to honor our agreement to ALWAYS collect my loan pmt on the XXXX of each month via ACH direct debit. I also expect PHH to ALWAYS timely credit XXXX % of 'principle-only ' pmts to my principle.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: MA

Complaint narrative:
Since I have my new number, NCO FINANCIAL SYSTEMS , INC calls every morning/ sometimes twice a day asking for a person who apparently my new number belonged to in the past. Sometimes automated or direct calls. We have talk daily to let them know we do not know her/nor related to her in any way. for this is a new number, and they say they will stop calling but they continue. This has been happening for a year now.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-20 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Mitchell Rubenstein & Associates, P.C.
State: VA

Complaint narrative:
Original debt was with XXXX. It was charged off my credit and purchased by XXXX XXXX. I then received demand letters from Mitchell , Rubenstein & Associates demanding payment.. I disputed again and never received anything from them either. A judgement was placed against me due to a summons being served at a home I had n't rented in over 2 years! I wrote Mitchell, Rubenstein & Associates on XXXX XXXX and asked them to reverse the Judgement and now just over 1 month later my bank account has been frozen without ANY correspondence from them. They have very POOR and unfair practices, especially over a {$700.00} debt that supposedly occurred in 2012.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: PHH Mortgage Services Corporation
State: NC

Complaint narrative:
The Loan held with PHH/Century 21 Mortgage was paid and satisfied XX/XX/2016. This lien has still not been released of record and is still showing negative reporting on the homeowners credit report. Please demand this lender compliance. It is a Lender 's Fiduciary Responsibility to Release of Record at the Register of Deeds. This homeowner is a XXXX Veteran. 

PHH/CENTURY 21 LOAN # # # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25 00:00:00
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: Meridian Title  Corporation
State: IN

Complaint narrative:
I purchased a XXXX acre property and was issued a title policy by Meridian Title. The policy stated their were no encroachments on the property. It was later determined that there was a pipeline running across the property and they held a blanket easement on the entire property. Several attempts by me about the problem were ignored by the title company. I had to hire a private attorney to assist me in this issue. It is now over {$5000.00} in legal fees later and the title company attorneys have refused to advance the case to mediation

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation