vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I received a response from a Consumer Credit Reporting investigation concerning information contained in my Consumer Credit Report from Equifax. I requested the investigation more than 18 months ago. The response had a gross error in reporting current employment information, reporting that my current employer XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX Was n't included, even after recent employment updated proof was submitted by mail, and the results of the reinvestigation showed erroneous information about a former employer being my current employer. I am submitting that proof along with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I 've tried disputing a couple of fraudulent accounts on my credit report, and the Bureau has taken some of it off but only the collection things. I 've sent letters to the creditors XXXX, XXXX XXXX, XXXX XXXX, etc. and have gotten little response. Not sure what is being looked into when the bureaus send me the results showing verified. How can they verify something that 's not mine? Most recently about a month ago I did send in an Identity Theft document and all of the items it asked me to include. Feel like after six months of disputing and working hard that it is going nowhere. Would like to have this stuff taken off my credit report bc it is not mine. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I 'm submitting proof that Equifax is illegally reporting this bankruptcy and they are refusing to remove it even after submitting the proof. I really need your assistance because I do n't understand how they can be refusing to remove this information when there is physical proof! I do n't care that they are sending me a piece of paper that they are generating saying that its something else - I 'm proving it by sending the page from my credit report! I need for this to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
The bank just approves things that are fraudulent deposits checks that i did n't sign for, and approves charges I did n't make, but then I make a charge online and it gets decline and comes back saying fraud. Its been months trying to add my partner to the acct and we did everything they asked us to to send, now they say they never received the documents. The security is so restricted because every little transaction with apple pay puts a security hold on the acct. it also lets merchants to make a payment twice, and reverses payments if it did n't have but {$5.00} short its ridiculous. plus call the fraud dept and they always ask so many questions and there rude.

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 2016-10-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I have repeatedly disputed unauthorized hard inquiries via Equifax 's online dispute route, I have faxed them about the disputes and I have called them several times to no resolution. The reps were unfriendly and unwilling to help. I am only having an issue with Equifax, the other XXXX bureaus resolved with no conflicts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CORELOGIC INC
State: NC

Complaint narrative:
CREDCO MADE A LOT OF INQUIRE ON MY CREDIT REPORT WITHOUT MY CONSENT

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I went online to equifax and received a free online report. In less than XXXX hours it was no longer available- I received an error message with a number to call but when I called the number there was no way to relay the message or get my report back. There are no automated options and no possibility of speaking to a representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Information was provided to Equifax and XXXX without my authorization or consent. XXXX inquiries without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: WY

Complaint narrative:
In XXXX 2016 my entire tax packet mailed by my CPA was stolen from the custody of the US Postal Service. I reported this theft to the Inspector General of the US Postal Service and received a case number. I requested a 7 year Extended Fraud Alert from Transunion, and they and Experian placed this on my credit report, and confirmed same in writing. Equifax has never responded in writing, been uncooperative, and has informed me that they only except a " Police Report '' or " FTC Fraud Affadavit ''. They do not recognize the IG Report for US Postal Service Mail Theft. I told Equifax this is ridiculous that they are the Law Enforcement Agency for Mail Theft. I provided a copy of this report, case number, both other Credit Bureau Letters that state they have accepted my request to place a 7 year Extended Fraud Alert on my wife, and my Credit Report. On XXXX XXXX, 2016 I spent over 1 hour talking to " Equifax , XXXX, XXXX XXXX ''. I was told no 7 year Extended Fraud Alert would be allowed because the US Postal Service Theft Report is not a Police Report. Equifax was looking at the completed explanation letters, Equifax Information form, Theft Report, and copies of photo id, Social Security Card for identification they requested. All these documents were scanned into their system and available for the Fraud Department to review. I sent all this to them by US Postal Service Priority Mail for myself and my wife. Equifax , XXXX said you can not send in a husband and wife notice in one mailing by Equifax Policy, and no action was taken on my wife 's signed affidavit. XXXX said no one responded to my wife 's request because this is against Equifax Policy if a husband and wife send in a letter in the same mailing. The letters we sent included both of our Copy of Drivers License, Copy of SS Card, Copy of Joint Banking Statement, Equifax Form required for 7 year Extended Fraud Alert, and ( XXXX ) other Credit Bureaus saying we have a 7 year Extended Fraud Alert on our Credit Reports. What more does Equifax need? Now they want us to resubmit in separate mailings yet they have chosen to never respond in writing once to my consumer request for assistance with MY CREDIT REPORT. XXXX and XXXX have no problem writing to me as a consumer. XXXX said my wife would have to call in to file a dispute. My wife called " XXXX, XXXX Department '' on XXXX/XXXX/2016. XXXX provided a new confirmation case number XXXX, and she said once again the IG US Postal Service Theft Report does not qualify as a Police Report, and told my wife she would need to go get a Police Report. Who is running the Fraud Department at Equifax? Please help us with Equifax because they are being unreasonable, and unresponsive?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX, I requested Equifax to investigate and verify erroneous, incomplete and inaccurate information that they were reporting in my credit file. It took them more than 35 days to respond and they said that they had verified the information, but they did not provide " Proof of Verification '' or their " Method of Verification, '' as requested. They simply matched up numbers in a data base and said that it has been verified. 

On XX/XX/XXXX, I sent Equifax a letter to re-investigate this same incomplete, inaccurate and erroneous information, specifically requesting their " Proof of Verification '' and their " Method of Verification '' for this inaccurate and incomplete information that they are reporting. On XX/XX/XXXX, I sent a follow-up letter ( all letters were sent certified, return receipt ) reminding them to validate and delete this erroneous, inaccurate and incomplete information that they are reporting without legal verification. 

So far, they have totally ignored my request and have violated my legal rights as a consumer. I have also expressed to them how damaging this inaccurate, incomplete and erroneous information that they are reporting is to me, my family and my financial well-being. However, they continue in their blatant disregard of the law. In addition, I have requested that they provide " Proof of Verification '' as well as their " Method of Verification. '' They have not complied. 

According to the FCRA, Credit Bureaus have 30 days to investigate a dispute, and another 15 days to provide the " Proof of Verification. '' It has now been more than 100 days since my initial dispute and request for verification, and Equifax has totally ignored my requests and have not resolved this issue as of today 's date. Federal law states that under the Fair Credit Reporting Act, a Credit Bureau can not report information on a consumer that has not been legally verified. For your review, I have included my correspondence with Equifax, as well as, copies of my Return Receipts. 

Thank you for your prompt attention to this matter, and I shall look forward to hearing from you soon. 

Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
The student loans that are being reported ( XXXX ) are not late payments and should be removed. This bureau does not properly verify my credit report and whenever I called I could never speak with a representative. There are also multiple hard inquires that I did not authorize and are not associated with my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: GA

Complaint narrative:
We have been trying to refinance a XXXX loan with the Servicer SETERUS for over one year. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX. They finally sent the refinance after one and one half years at almost 6 Percent. However, they continue to change the monthly payments, are es crowing Money for taxes that do not have to be paid, and Overcharging for forced placed Insurance when we had in place insurance ( Military XXXX Vet, he is except form Taxes. XXXX has spent hours with XXXX at XXXX and she has been helpful, but is limited on her assistance. 

Thank you XXXX XXXX POA for my brother XXXX XXXX XXXXXXXXXXXX XXXX or XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK
State: IL

Complaint narrative:
I had contacted Discover card explaining the temporarily financial experience I had encountered XX/XX/XXXX, Due to a death in the family, that set me back. XX/XX/XXXX without my permission or knowledge Discover card applied my deposit funds to my balance on my account. I have had my Discover it card since XX/XX/XXXX, with current payments. And this one time I need help in asking for assistance to keep my account active and open. I find out this morning via live chat. That my account had been closed. I was inquiring about how much I needed to bring my account back to it 's original available balance of {$500.00}. XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY

Complaint narrative:
I put in for a loan modification and it was denied, they stated I didnt provide proof of income, and the {$6800.00} was not enough to sustain a mortgage and they never received payment to show good faith.I dont even know how much to pay because they never told me. They said they sent letter.. which is not true. They told me to put a loan number on my moidification forms that was different from the loan number on there papers, when I asked about it they said that was the loan modiication number. while i waited for an answer on my modification my loan was transferred from XXXX to XXXX to XXXX back to XXXX and now they have it with a company called Rushmoore loan servicing which told me i needed to re submit all paper work because the other was out of date. Now they started foreclosure proceedings and I dont now what to do. I sent the documents to all these companies numerous times and every time they say im missing documents. I need Help I cant loose my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: DISCOVER BANK
State: OH

Complaint narrative:
I recently was selected to upgrade my Discover Secured Credit Card account to a Discover Unsecured account. This transaction occurred several months ago. I logged into my Discover credit account online to apply for a credit limit increase on XXXX, 2017. The website submitted my request and it went on for further review. The message stated, " Your request is under review. Decisions are typically made within 2 business days. There is nothing else that you need to do at this time. '' I was not contacted by Discover Bank and did not get any confirmation email that my request was under review. 

I contacted Discover Card Customer Care within the 48-hour period and was told that there is an ongoing system issue that is preventing my requests for a credit increase to be reviewed by a credit analyst. No timeframe was given to reapply. I was told to keep resending the applications if I get " bored '' and to see if it gets fixed. 

I also attempted to contact the online chat support, and I was informed that the credit analyst team did n't review my request for an increase and that I should call them. When I contacted them, they advised me the request had to be deleted. 

I feel that Discover is unfairly preventing me from utilizing my account by not accepting requests to increase my credit limit. Other Discover Unsecured credit card customers are able to submit requests to increase their limit, and sometimes get instant decisions, however, " graduated '' customers are not due to a system issue because my account was upgraded. I feel as if Discover bank is discriminating against me because I had a secured card, and will not allow me to ask for a higher limit on the upgraded account. I feel as if " Graduated '' customers of their secured card are not fairly treated and that their lending practices are not fair as we can not request an increase in credit on our accounts. Our requests are queued and then deleted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Acquired Assets, Ltd.
State: WV

Complaint narrative:
I have no idea what this {$67.00} dollar debt is? But if I owe it they need to get ahold of me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04 00:00:00
Product: Consumer Loan — Title loan
Issue: Lender repossessed or sold the vehicle — 
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: RI

Complaint narrative:
LENDER sold and inspected SUV with check engine light and many other e problems due to kill switch hacked in to harness and plugged into fuse panel so terms are weekly however if i am 24 hrs past due they disable SUV no matter where what and it violate contract law and any logical practice beyond that they charged 400 month i was told 24 months and its actually 36 they claim and the suv is a XXXX books at XXXX maybe they charged XXXX and harass leave you stranded never been more than a day or two except once the bank error but they called we paid 3 payments right then the suv now one yr into it needs tires exhaust check engine electrical battery remote entry messed up

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-31 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: DISCOVER BANK
State: MD

Complaint narrative:
I have a loan ( fixed ) with Discover Personal Loan service ( account # XXXX ). I thought when I consolidated my Credit Cards, my payments would help me get out of debit faster. I did n't know how high the Interest payment would be. My monthly payment is {$580.00} for a {$2500.00} loan that stated in XX/XX/XXXX. The interest payments started in the {$500.00} range in XXXX and now it 's down to {$280.00} as of XX/XX/XXXX. They 've take more interest then they put towards the principle. MY loan payment as of XX/XX/XXXX is still at {$19.00}. I called to asked if I my interest payment and monthly payment can be lowered, but they said that 's could n't be done according to the agreement. I have XXXX other Discover Credit card accounts that are at the max. XXXX is at {$7800.00} and the other is at {$2100.00}. I have other debit that I 'm trying to keep up with, but I would like to know if theirs anything I can do about the agreement of the Discover personal loan,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: DISCOVER BANK
State: IL

Complaint narrative:
This is the second time I have been denied my cosigner release through Discover student loans. I have a good credit score of XXXX and I meet all of the requirements asked of them below and on the cosigner release application:1. Qualify for cosigner releaseTo have your cosigner released from your private student loan : Your loan must be a prior XXXX Loan that was purchased by Discover. 
You must be at least 18 years of age. 
You must be a US citizen or permanent resident. 
You must have made the required number of consecutive monthly payments on time. 
Use this chart to determine the number of required payments. 
Your gross monthly income must be at least {$1500.00}. 
You must have a satisfactory credit history and pass applicable credit criteriaI do n't believe that my application is receiving the attention that it deserves and Discover student loans is doing whatever they can to avoid honoring the cosigner release terms. 
I will attach my verification of income and the cosigner release document for your review. 

Thank you for your time, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19 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: N.A.R., Inc.
State: TX

Complaint narrative:
I noticed a collection on my credit report I did not recall or remember. I sent them XXXX letters and they just simply sent me a response stating I owe them the debt. Tried calling and the number was disconnected. Tried disputing with the credit bureaus and having little luck there.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-28 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK
State: LA

Complaint narrative:
I contacted this company about fraudulent charges on my Discover credit card back when i first got the credit card. I have n't made a single charge on the card. They told me I 'm not liable for any unauthorized charges on my account. I have called several times since i been back in the USA. I went overseas around the time i reported the charges and i just got back on XXXX/XXXX/16 and I filed a police report and called Discover and gave them my police report number and they said they would remove the charges and send me a new credit card and they still havent did any of that yet and its been 2 weeks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Lloyd & McDaniel, PLC
State: AL

Complaint narrative:
Debt collection agency is confusing me with someone with the same name. Even after letting them know that they have the wrong person ( when they tried to garnish my wages ) they have continued to try to collect the debt, threatening to garnish bank accounts. The worst part is that the legal notices of the garnishment attempts are going to the correct person, but the actual garnishment attempts are against me -- so I do n't have an notice of the activity until it happens. 

The debt collection agency has ignored all communication from me, and refused to give me any thing official to say that they realize that they are going after the wrong person.

Company response to consumer: Closed with explanation