vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-22 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Atlanticus Services Corporation
State: LA

Complaint narrative:
XXXX XXXX XXXX is the latest in a series of companies who 've apparently " bought '' very Action Card accounts. I 've told them repeatedly I 've not had an Action card since XX/XX/XXXX, which I paid off both ; I 've noted there was nothing about Action Card in my credit records when I bought a house XX/XX/XXXX ; I 've demanded they send some sort of proof that I owe them anything, which they have not done ; I 've asked them to stop the daily calls at all times of the day, at home and work. XXXX XXXX XXXX is the current company hassling me - their latest " offer '' says the " current owner '' of the alleged debt is XXXX XXXX XXXX. I want these people stopped.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-11-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
Account status is a critical information upon which lender may rely to assess credit worthiness. Equifax should make sure that account status information, including any additional extraneous information they add to the credit report, is accurate. This is not the case. Instead of simply correcting the status of the loan as requested, Equifax added inaccurate information. 

On XXXX/XXXX/16, Equifax reported XXXX XXXX / Account No. XXXX status as 'Pay as agreed. ' On XXXX/XXXX/16 and XXXX/XXXX/16, the consumer and the lending company ( XXXX XXXX ) reported to Equifax that XXXX XXXX had been sold to XXXX XXXX XXXX As of XXXX 2016, Consumer had no open student loan with XXXX XXXX XXXX ( see fax from XXXX dated XXXX/XXXX/2016 ). On XXXX XXXX, 2016, Equifax changed the status of Account No. XXXX XXXX XXXX XXXX XXXX to 'transfer/sold. ' This is correct but Equifax also added : 'ADDITIONAL INFORMATION - consumer disputes this account information ... '' This extraneous statement is inaccurate. We disputed the previous account information ( i.e. Equifax 's failure to report the loan as closed and transferred ), not the current status ( closed ). We did not dispute the current status of the loan. Equifax must correct the credit report, i.e. remove reference to a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX told me that a credit check would n't show up on my credit report. They lied to me, I complained to Equifax, and they refuse to remove it from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I have asked EQUIFAX TO PLEASE COMPLY WITH THE FEDERAL LAW AND SEND ME THE ORIGINAL SIGNED DOCUMENTS PER THE FCRA SECTION 609 THEY HAVE YET TO COMPLY PLEASE SEND ME THE COPIES

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I disputed a inaccurate public record with Equifax they failed to respond. I have been disputing this for almost a year. Each time they just ignore me

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15 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 discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX XXXX BANK XXXX on or about XX/XX/XXXX on EQUIFAX credit file. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX BANK XXXX has violated the Fair Credit Reporting Act Section XXXX ( 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 2017-03-24 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I applied online at annual credit report for my free report for all XXXX agencies. I was denied and later XXXX and XXXX sent me a letter in the mail. XXXX provided me with a reference number to enter on their site and I was able to view and print the report. XXXX provided a form to fill out and mail off to along with proof of residency verification. Equifax has n't sent me a letter and it 's almost been a month now. I 've contact customer service and they tried to charge me a fee, which I repeatedly told them no. They told me to go online to Annual or call them and I told them that I already did. The rep help me reset my username and password on their site, and once I was able to login successfully, there was n't a report to available for view.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My student loans are on duplicated on my credit report. They appear twice on all my credit reports. This effects my credit because I have several loans and the are entered twice. can we fix this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have sent information pertaining to XXXX XXXX being removed from my credit report because it was included in my bankruptcy. I sent this information to all XXXX credit reporting agencies. XXXX and XXXX have sense removed it. Equifax on the other hand has not. I have sent Equifax the information 3 times and it has now been a year maybe a little over. The account has been sent to a collections agency called XXXX. I talked to them and they said they will not remove it out of collections because judgement was before I filed bankruptcy. XXXX XXXX received bankruptcy and forwarded it to XXXX XXXX and they still will not take it off my credit report. Now they are saying that I owe more money because I never paid. Why would I pay when it is part of my bankruptcy. 
Why is it that XXXX credit reporting agencies have removed it yet Equifax refuses to do the same?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I disputed a chapter XXXX dismissed bankruptcy with equifax. The investigation came back as verified. I received a letter from the court explaining that they DO NOT report to credit bureaus and therefore must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Address information - Current is XXXX XXXX XXXX, XXXX XXXX XXXX. 
My informaiton has been mixed with my brother 's information. The following information needs be removed and placed under SSN XXXX instead : Personal Information - XXXX XXXX XXXX,, XXXX XXXX XXXXAccount information-XXXXAccount # XXXX XXXXAccount # XXXXAccount # XXXX XXXX XXXX XXXX XXXXAccount # XXXXAccount # XXXXAccount # XXXXAccount # XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -Additinally the following info is also inaccurate : Former Address2 - XXXX XXXX, XXXX, XXXX belong to XXXX XXXX XXXX ( USPS ' mistake for not able to tell the difference between " XXXX '' and " XXXX '' ) Former Address3 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX belong to XXXX XXXX XXXX ( my brother )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I got a call from a man with an XXXX accent claiming to be from Equifax Mortgage. He wanted to speak with my wife to verify personal information. He wanted Social Security numbers, bank account information, and other personal information. He claimed he would set up a conference call with my bank, which mean he would hear all of my bank login information via the conference call. The caller ID read ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have disputed items on my Equifax credit report and some items have been pending for months and I have tried calling and calling, talking to them through chat and even emailed ... nothing has been done .. the items I have disputed are medical bills that should n't be on my record because I had XXXX ... well I was told that in disputes it takes 30to 45 days after that they have to remove it if no proof is found, well remove it then please.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
i applied for a car loan and was denied for a report from equifax.i tried using the website but it was unable to deliver the file online so it wanted to transfer me to an agent which instead promptly hung up i tried this auto system 3 times and all were terminated by its auto service.no where does not give you an option for a real person.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am unable to answer the identity validation questions because they do not pertain to any past credit accounts I have ever owned or opened in my name. I was unable to answer the security questions in order to see an on-line credit report for Equifax. Due to non-existent accounts asked about my identity questions. I was able to answer and view my credit reports for XXXX and XXXX with no issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-09 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am unable to get my credit report or Score from Equifax and have had trouble with this for over a year. I have filed a complaint with you guys months ago and nothing ever happened. XXXX is trying to pre-approve me for the home of my dreams and I am getting turned down because they ca n't obtain my Equifax report. This happen to me this summer when i contacted you guys because I got turned down for a boat I wanted but they too could not pull my Equifax. I sent you guys some of the XXXX emails I have sent to Equifax and I ca n't get anyone at Equifax to help me, my last complaint number was XXXX. I have not been able to have any creditor to be able to obtain my Equifax for over a year now. I am sick of my credit report being held XXXX, I have read I can sue them for each time they do not release my info which has now been dozens. That could cost them a lot of money. Do I need to hire a lawyer and sue them for this for I am about to lose the home i have been looking for for 2 years. I am pre-approved with experian with a XXXX and XXXX with a XXXX, all they need is my Equifax which should be even higher. All I want is my credit file fixed but I am not waiting much longer before I just file a lawsuit. I ca n't take this anymore and they are definitely in the wrong! Please tell me if you can help or I should hire the lawyer I have been talking with?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: CORELOGIC INC
State: MN

Complaint narrative:
Unauthorized inquiry and/or unknown company

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 2015-10-16 00:00:00
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK
State: NM

Complaint narrative:
Most recent credit report that I reviewed revealed a derogatory account that was never previously reported. The disputed account is a Discover Account that was opened by my Ex-Wife after we were divorced. I also have a Discover Account with similar terms that is in my name only and opened about the same time frame about 10 years ago. For all of the time since these XXXX separate accounts were established, only my own individual account appeared on my credit report which I have paid on time, every time - only after her account went bad did they attach her account to my report. I was never listed as an authorized signer on her account. About a month ago, Discover sent me a new card and oddly enough they included a card in her name which should have alerted me to their under handed attempt to join both of our accounts retroactively. It was only after I saw my updated credit report, when I notices that they suddenly added her bad account to my credit, that it dawned on me that they were attempting to link XXXX of our accounts - purely as a punitive action against her for her apparent default on her own separate account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-14 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: N.A.R., Inc.
State: CO

Complaint narrative:
Hello, Upon review of my credit file with XXXX and XXXX I noticed XXXX collection accounts from N.A.R. ( North American Recovery ). I had no idea who this company was or the money stated I owe. I filed A dispute with XXXX and XXXX for validation. I also sent A Certified letter directly to N.A.R. requesting validation/verification of debt. In return N.A.R. sent me a statement from their own company not from the original creditor. I have no knowledge of any account with XXXX XXXX XXXX ( original creditor ). XXXX and XXXX returned with their investigation stating these account have been validated and the accounts belong to me? Again I sent another Certified letter with my full communication of this matter requesting proof of this account from the original creditor and/or where this account supposedly came from, It was returned to me unopened stating " return to sender '', " unable to forward ''. I verified the address on the envelope with N.A.R. 's listed address and it is correct. I am unable to proceed with this investigation and XXXX and XXXX are refusing A re investigation stating account has been previously investigated and verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Dovenmuehle Mortgage, Inc.
State: AZ

Complaint narrative:
FIRST YOU SHOULD KNOW THAT I AM XXXX FOR LIFE, XXXX with all the extra doctor bills, I fell behind on mtg pmt and applied for loss mitigation with Dovenmuehle mtg to have them help me in modifying the terms/pmt amt/interest rate or how ever they can help. THE FIRST PACKET WAS CLOSED because of the required info requested was not received. When indeed I sent the INFORMATION REQUESTED upteen times and I have all the saved sent emails w/attachments ( unfortunately, I cant attach emails ). It got so BAD that I got XXXX XXXX XXXX XXXX XXXX XXXX to assist with the paperwork because I sent everything in. They agreed and I filled out there packet and they refused to look at it and closed the case for help. Consequently, XXXX put a ESCALATED FILE STRAIGHT TO XXXX. So they reopened a new file after being contacted by XXXX ON XXXX I received that letter and I had NO FURTHER CONTACT FROM THEM ( letter recieved states THEY WILL INFORM ME IF COMPLETE/INCOMPLETE ), UNTIL I CALLED THEM ON XXXX see whats going on because I WAS BEING HARASSED BY SERVICER FOR PAYMENT EVERY 2-4 DAYs, which started even before pmt grace period over, because after 30 days of no info, this case would have been closed. I am ALSO FILING A COMPLAINT AGAINST the servicer of Arizona XXXX XXXX. for HARASSMENT FOR THEIR IMPROPER COLLECTION PRACTICES. The loss mit dept then told me they are missing information which I emailed to them. THEY STILL REFUSE TO DEAL WITH XXXX AT XXXX LIKE INSTRUCTED, her phone is XXXX. I even emailed a stern letter to Dovenmuehle Mtg loss mit dept asking what they are doing with all my emails and attachments. I have them all saved, luckily. 

IT BASICALLY LOOKS LIKE THEY WANT THE HOUSE/LAND BECAUSE I OWE $ XXXXAND IS WORTH {$110000.00}. THERE IS NO WAY FOR THEM TO LOOSE. 

My printer is broken, so I have to send backup paperwork thru a email address as an attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23 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: VA

Complaint narrative:
Received legal statement/ from Discover Student Loans regarding CFPB legal action and settlement information for account holders. This letter contained information regarding my account, stating that it was eligible for a {$75.00} account credit for applicable servicing years. I have yet to see this credit applied to my remaining balance. I have called on XXXX separate occasions to inquire about when and how this amount will be applied. They have told me that the {$75.00} was applied to my XXXX XXXX statement, however, all deducted payments were made by me and my checking account funds. When I called the second time, I was passed around to XXXX departments and made to feel ignorant about their financial procedures and told that a special statement would be created to illustrate how this {$75.00} credit had been applied. To the best of my knowledge, all deductions to my principal account balance have come from my personal checking account. I have just received this " special statement '' and it is nothing more than loan information, original disbursement information and contains information about credit reporting. Nothing about your judgment against them for their illegal servicing practices with their student loan borrowers. I have had many issues with them over the duration of our contractual agreement, including upping my interest rate to above what they currently offer to new borrowers, taking additional payments on my account and applying them to interest, however, they were additional payments made to be applied to the principal, furthermore, I was instructed by their representatives to seek out plasma donation sites for income when I was out of work in XXXX and asking for a 30 day deferral.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: Coastal Credit, LLC
State: DE

Complaint narrative:
Coastal Credit filed a judgement against me for an auto debt. This debt was settled in full six months ago. They left a residual balance that they apologized for and removed in XXXX. I have spent several months trying to get Coastal Credit to release this judgement and send me documentation. Each time a different person claims they are doing it and it never comes.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: UT

Complaint narrative:
UAC finance my finance manager told me that my payment was due on XXXX XXXX this was on XXXX XXXX i confined it with her the times then on XXXX XXXX i was notified that my payment for XXXX XXXX was past due and that if i do not pay it they are going to take my car i expand to them what was told to me by my finance manager and tried to work it out with them but they refused to work with me

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-30 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: TN

Complaint narrative:
I want XXXX XXXX XXXX XXXX firm ( claim to represent Discover Bank ) to drop the lawsuit and dismiss the Plaintiff 's Motion For Summary Judgment against me ( defendant ) and compensate me for over XXXX harassing cell phone calls and a letter of harassment. 
XXXX XXXX XXXX Debt Buyer/Collection Agency/Law Firm ( not the original owner ( Discover Bank sold the debt to XXXX XXXX XXXX ) filed suit against me XXXX XXXX, 2013 without properly notifying me of the lawsuit. Communication tactics after initial dispute and cease cell phone communications. False Statements or representation. Taking and threatening to take an illegal action. Attempting to seize property. Payment Protection Plan ( insurance ) suppose to pay for billed charges on the Discover Card charges due to my illness, vehicle injuries, and unforeseen financial difficulties.

Company response to consumer: Closed with explanation