vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-19 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
I have been trying to re-fi my home. Seterus, Inc in my current mortgage company. I have requested several documents to be faxed or mailed to me. I gave XXXX different fax numbers and I was told it was sent at least 4 times to each number. I finally gave them the number to the lender I was working with. It was received. This was on XXXX XXXX. 
I then found out on XXXX XXXX, 2016, that Seterus, Inc. paid XXXX different homeowners policies. I am now trying to seek reimbursement from the Insurance company I cancelled with. I requested information from Seterus, Inc and I was told I would receive within XXXX 7 days. Today is the XXXX, and still nothing. I called Seterus, Inc. and explained what I was calling about. I was put on hold and disconnected. I called back again, explained the situation, and again, put on hold and then disconnected. I called a third time, and finally reached a good representative who was willing to help me. She explained that it was cancelled because they only process XXXX request per 30 days. What the heck??? I have never heard of something so obsurd, not to mention, the request was due to their mistake. Due to a bankruptcy, they will not send me a statement, nor will they re-instate my loan. It does not show on my credit report. I have had this company for past 6 years and it is always an act of congress to get anything I need without calling several times. This customer service is the absolute worst and I get a different answer every single time I call about the same issue. How can a company be so horrible? I filed bankruptcy due to a life changing event, but I did not file against my home. I have never been late on payments, nor behind. I feel as if I am being discriminated against because I had to file bankruptcy. 
I have read so many reviews about Seterus, Inc, and they are all the same. 
Is there anything that can be done to straighten this Mortgage company out???

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In XXXX we bought a new vehicle from a car dealership whom bought the previous vehicle financed by XXXX XXXX XXXX. The dealership sent the total payoff to XXXX XXXX XXXX before the 30 day mark. We noticed the inaccuracy immediately and informed this credit bureau. The creditor stated that they do not see where they reported it this way. XXXX instantly took it off after contacting the creditor. 

This CRA sent us investigation results stating that they verified the status. How is this possible? On my credit report ( which is attached ) under the STATUS it is reporting LATE and 30 days past due. This CRA is reporting inaccurate information and lying to consumers to save money by not fully doing their job to investigate inaccurate information for consumers. 

This inaccuracy is keeping us from getting approved for a new home and causing us financial damage and emotion duress. 

Please help us take action against this company, thank you for publishing tips on hiring legal counsel to help file a lawsuit. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Dear CFPB it has been a long time I been dealing with all XXXX credit bureaus for one I 've disputed items ( example XXXX I been late a few times my bill is due on the first but I use the grace period of XX/XX/XXXX to make my payment I 've skipped a few payments always notified XXXX and made my payment on XX/XX/XXXX there has been times when XX/XX/XXXX or XX/XX/XXXX comes around and I am being served with a move out notice or a rep of XXXX XXXX is at my door to see if I am or anyone is living there ) Now in 2010 I lost my job my mother had a XXXX I had to move to California but a year or two before that I lost my grandpa in XXXX and that is when XXXX XXXX got all kinds of lines under my name now between XXXX, XXXX and XXXX XXXX my life has been a living heck I 've disputed things with XXXX, Equifax and XXXX XXXX before I 've filed complaints with XXXX and not single company is willing to help My mother is undergoing XXXX XXXX for the last 3 years ( yes after the XXXX ) I am XXXX on XXXX and I do n't know what to do anymore I 've gone above and beyond to try to work with all the companies I 've mention but it is like talking to a brick wall I need my credit fixed I am trying to get at least a part time job and I am being turned down for errors of all the companies I mentioned My last plea is to hopefully get help from your organization please I am begging you to help me

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: ND

Complaint narrative:
On my EQUIFAX report, Both of the XXXX ACCOUNTS are showing as OPEN ACCOUNTS. It is not open, it is closed and has been closed for years. It has also been paid in full since with no balance owed. I also believe it is time for XXXX accounts to be removed per the law from when it actually defaulted as the debts originally was not theirs but another companys. It is the same debt as the XXXX XXXX ACCOUNTS. Those XXXX XXXX ACCOUNTS are also CLOSED, PAID IN FULL and are no longer in collection. I have spoke to XXXX as well as XXXX and they have verified as well as told me they sent the correct info to the bureaus to fix this yet I see EQUIFAX is still reporting incorrectly. Also, I received a letter from XXXX that verified they also informed XXXX who is dragging there heels on updating my last complaint to you all, which is CASE # : XXXX as they are showing this as charged off in XXXX 2015 now and at the time I complained to the CFPB they were showing it as charged off XXXX 2015. This is just illegal XXXX that I am tired of and XXXX says it will take 60 days and I know XXXX well they have the updated info already as it was mailed to them about a month ago yet they are still reporting this XXXX account incorrectly and illegally, probably out of spite. I am paying for monitoring services where they claim they update every day, etc and thats just a lie. If I decide to charge back every month I have paid them for there " NOT THE PRODUCT THEY CLAIM TO BE SELLING ME '', I wonder what would happen and if i took it to court what would a judge say. Someone needs to get on this as I am sure there are thousands of Americans just getting ripped off on this monopoly these bureaus have going on. I pay and subscribe to EQUIFAX, XXXX, XXXX and XXXX and I pay all my debts and have not missed a payment on any account I have opened in over 2 years but yet I suffer from some XXXX working at these companies who can not seem to comprehend english or speak it properly when I try to make progress on the phone and apparently can not enter correct true data. I do not deserve this.

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 terms
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX XXXX sent me XXXX cancellation of debt notice for a charge off account in 2012. The XXXX forced me to claim this as income on my 2012 taxes which i was penalized for on my tax return for that year. Now on my credit report XXXX XXXX has continued to report a balance, past due balance and a status of this account as an open charged - off. This seems to me that XXXX is trying to collect on an account that has already been resolved. This account is about to be removed from my credit report in XX/XX/XXXX/ XX/XX/XXXX but I still feel the need to file a complaint because they have never responded to any of my disputes. The credit reporting agencies have allowed XXXX to keep my account in disputes past the 45 days that a required response is needed. Further more XXXX flex has continued to increase the balance on my account even though the account is a year past the collectable statue of limitations. The only response i have ever had from XXXX flex was a letter telling me to call their call center in XXXX and when i did the call center was unable to locate my file in their system to give me an answer to status of my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is reporting a " pending '' judgement ( XXXX. XXXX XXXX Texas ). This error was also showing up on XXXX and XXXX, however after I mailed them and pointed it out they deleted it. Equifax says they " verified '' the information. I have contacted the clerk of the court and was assured that no one from any credit bureau had been in touch with them nor did they ever report this in the first place. 
This was settled before court. There never was a judgement. It is not pending since 2008 as Equifax is reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Wrong address on Equifax report. 
XXXX Florida XXXX is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-27 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK
State: UT

Complaint narrative:
I saw a promotion where Discover Bank was offering {$100.00} within 30 days of opening a savings account with them and depositing {$15000.00}. I followed their terms exactly, my deposit was made on XXXX/XXXX/2016, and Discover has not given me the {$100.00} that was promised. I have repeatedly emailed and called them and have received no explanation as to why. They tell me it is obvious I have met the terms, but there 's nothing they can do to help me, and that I should keep waiting, and that maybe in a few weeks I 'll get what I should have received by XXXX/XXXX/2016.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-04 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: DISCOVER BANK
State: IL

Complaint narrative:
I have had a Discover card since XXXX in which they have advertised for decades a " 1 % cash back bonus ''. ( See the attached XXXX which references this. This was how Discover entered into the credit card business was with the 1 % cash back bonus to compete against Visa and XXXX XXXX and MasterCard. Tonight I called Discover because my cash back was much less than 1 % and I spent approximately {$11000.00} in XXXX. The whole year I 've only earned {$270.00} in cash back bonus but spent {$41000.00} on my Discover Card. So my cash back bonus should be {$410.00}. I find out that because my anniversary date of joining Discover is in XXXX my cash back is only XXXX up until I spend {$3000.00} in XXXX. This is false and deceptive advertising - no where does Discover say that this happens on your anniversary date - which conveniently for them is the month that I spend the most for the holidays. Further, I found out from the service rep who I spoke to that they now have a special card called an " IT '' card ( which I have never heard of ) that offers 1 % to customers who joined since XXXX that does n't have an anniversary date catch. So not only have I been ripped off for 30 years but now new customers get the 1 % automatically. But I would have to replace my current card with this new " IT '' card. That 's just crazy! Why did n't they give their long-time customers the IT card automatically?? I am sure most of us do n't even know IT exists!! Or a better question - why create another card when my card is supposed to pay 1 % cash back? Why would I voluntarily choose to have a card that pays XXXX over one that pays 1 %?? 

Discover Card needs to stop false advertising. None of their current TV advertising about the 1 % cash back bonus says " if you are a long-time customer this does n't apply to you ''. This is just another scam like the XXXX XXXX scam. Discover Card ca n't get away with ripping off long-time customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: American Payment Holdco, Inc.
State: DC

Complaint narrative:
A friend transferred money to me using Popmoney. First, the email notifying me of he transfer was not marked as coming from Popmoney so I did not see it looking for Popmoney as the transferor had identified it. After a thorough search of my emails I found it XXXX days later. When I tried to collect my funds, the website was nearly impossible to use. First, when they sent my an email that was supposed to contain a PIN number, the email did not include it. I was wise enough to try a second time and only on the second try did the email contain the PIN number. Next, they needed my birth date but the only way to select my birth date was to click a back arrow through 65 years at XXXX month per click..When I finally reached the point where I could attempt to deposit the funds, the menu to select the destination account listed the account but it was not clickable. Finally I called Popmoney and was informed that their mobile website has not been working properly and I would have to go to a non-mobile device to complete the deposit. Fortunately, I am a wealthy individual who has both mobile and non-mobile device so I was able to complete the transaction.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: DISCOVER BANK
State: GA

Complaint narrative:
i told discover card years ago that i couldnt pay their high payments anymore on social security. they pursued took me to court XXXX/XXXX/XXXXi called XXXX when i got court papers and they said just go alone as on ss with credit card dont have pay. so i replied to court with the fact i couldnt pay debt but court went against me and slapped public judgement on my credit report that just came up. i dont have funds pay {$4600.00}. been waiting out 3yr term from former foreclosure to buy house XX/XX/XXXX but this puts Big dent hindering that. how can you HELP?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13 00:00:00
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK
State: FL

Complaint narrative:
I filed a complaint in regards to a fraudulent inquiry on my Equifax credit report from XXXX that was dated XXXX XXXX, 2016. I was informed XXXX XXXX, 2016 by XXXX XXXX XXXX from the XXXX XXXX XXXX XXXX XXXX from Discover that she would forward a letter for Equifax to remove the fraudulent inquiry. Well, as of today, XXXX, it still has n't been deleted from my credit report. I contacted Equifax and they would not remove. I have attached the letter that was forwarded from XXXX XXXX in regard to removing the fraudulent inquiry. 
I am asking XXXX XXXX to please contact Equifax to have it immediately removed. It is unfair to me to have an inquiry on my credit report in which I did not initiate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: DISCOVER BANK
State: CT

Complaint narrative:
Discover card lowered my credit rating and removed over XXXX worth of credit from my credit line based on an inquiry that " just happened '' to be at the highest point of my credit debt. This occurred in XXXX 2016. In the last 60 days I have paid off XXXX worth of credit card debt and Discover will not do another inquiry for me, without doing a hard credit pull, to ascertain if I am worthy of more credit. I have several credit cards and all of them are in good standing. None of them have requested a credit line decrease.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc.
State: LA

Complaint narrative:
In XX/XX/XXXX I purchased a home in XXXX XXXX with my VA loan financed through XXXX and serviced by Dovenmuehle Mortgage. I purchased Flood Insurance from XXXX with {$170000.00} Building & XXXX contents and a premium of {$1900.00} per year. On XX/XX/XXXX XXXX mailed a renewal notice to my lender. My lender, at its sole discretion, chose option B on the bill and purchased additional coverage without my consent. I did not catch this until XXXX when they tried to raise my mortgage payments. 
XXXX said they are required to provide XXXX options by XXXX. I think this is unethical. 
When I called XXXX the XXXX time they just told me the premium increased. They did not tell me they purchased additional coverage instead of renewing the policy I already had. They chose option B which is {$190000.00} building, {$26000.00} Contents with a {$2100.00} premium. I NEVER Authorized them to add coverage. When I questioned them more they told me it is their standard operating procedure to " pay the highest premium on the bill ''. Again, this is unethical. The way I see this is XXXX is mandating bill 's to be sent with an option to increase coverage, mortgage companies are " automatically '' purchasing the increased coverage, and the Insurance companies are getting rich off unsuspecting customers that trust their mortgage company is doing the right thing instead of padding their books and policies. This was not a force placed policy. It was only a renewal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: STERLING JEWELERS, INC.
State: NY

Complaint narrative:
On XX/XX/2017 I received a called from I received a call from XXXX from XXXX, he called back to back three times, when I answered the he asked to speak to XXXX, I responded this she, he identified himself, Then he proceeded to as for my ss # and I said I 'm not going to verified anything with he then asked for my birthday, I repeated my self, he continue to asked for my address I refused. He became very upset with and his whole attitude change. I told him you do n't talk any kind of way. He snapped you have a great afternoon, I 've just got out of the hostipal and not supposed to be under any stress. 
My husband grab the phone he hung up this is the second they called and got smart. My husband explained to them that I have a serious XXXX XXXX and their respond was somebody have to pay the bill. If we had the money the bill would be paid nobody like to be harrass

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
The apartment bill me a year after i moved out.They bill me for about {$2.00} XXXX and said i did not pay rent.I gave them a 90 day written letter, turn my keys, and i got a walk thur letter.I even gave them my foward address which is my current address now.The said i was evicted and did not turn in my keys.That was not true i follow all the rules of the lease ending.I have been writing them only get dead end and lies.I need help get this off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: American Credit Financial
State: NY

Complaint narrative:
I live in nys, I did n't know that payday loans were illegal here until today, a few years ago I took out payday loans to help me with bills and have had a lot of financial issues since then anyway I get a phone call today and was left a message about I need to call American credit financial back in 48 hours there are XXXX fraudulent checks in my name, I call back and its about a payday loan then this man proceeded to tell me someone is coming to my home on Friday XXXX XXXX 2016 to give me a letter that I owe XXXX and if I do n't respond then the sheriff in my county will serve me the papers and then I will have to go to court and judgement will automatically be XXXX dollars and he was from legal dept I told him I would call him back tomorrow he said his name was XXXX XXXX and he said the call I got was from XXXX XXXX a courier if I do n't call him something else will happen I do n't remember what he also said the conversation was being recorded, now mind you I tried to contact this lend me now payday company a couple of years ago number was out of order and like I said I did n't know that these payday loans were illegal in nys what can I do now

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK
State: LA

Complaint narrative:
XXXX, who claimed to be a supervisor at Discover Bank, informed that the company had placed an interstate call to me and recorded it without my permission. She said I should 've been informed that Discover was recording the phone call when I called into their center. I did n't call them. They called me. 
The Bank has not honored its promotional terms for my opening an account, although another employee, XXXX, verified that I had met all of the requirements and the promotion should have been honored. XXXX and XXXX both said they would have to inform another department of the potential error and it would take another 4-6 weeks for them to consider whether to fix their error in applying the bonus that should have been applied in XXXX for opening a bank account with their company. XXXX and XXXX said they wo n't honor the terms of their promotion if I close the bank account now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-14 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: DISCOVER BANK
State: NV

Complaint narrative:
The issue was false advertising and " switch and bait '' practice. The company did n't address this issue in either of their responses. According to Press Release, there was no restriction to XXXX cashback earnings. A few weeks later, the terms and conditions added more restrictions and put the burden on consumers to provide receipts. This is not acceptable. I personally incurred financial losses for buying an XXXX and applying for a new Discover card. I needed the cashback promised to be added to my account.

Company response to consumer: Closed with explanation