vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-17 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX is claiming owner ship of my morgage. 
my morgage in the XXXX district court is owned by XXXX XXXX. 
Even though I have never received a transfer notice as required by law frim XXXX XXXX. 
please find with this complaint copies from the XXXX district court snt to me by XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-20 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have notified Equifax multiple times by phone of being a victim of identity theft since XXXX XXXX. In my hurry back in XXXX XXXX I paid them the {$10.00} dollars to place a security freeze on my credit file, which they done. However when I needed that freeze to be temporary lifted I was told by their website and on the phone that I failed to prove that I was victim of identity theft. So I fax and mailed to the address that they told me to the required documents on XXXX XXXX, XXXX. After doing so I went to temporary lift my credit freeze two months later only to be told again that they never received the documents, but when I have them search for them they find them and then claim it 's not their department to handle and transfer me to another and another. Then one person will say, " I will lift the security freeze JUST this once for free ''! And the supervisor ca n't help because they " can '' t transfer the information over to the correct department ''. I live in california, and I was told by law I had a right to place, temporary, and permanently a security freeze on my file for free. But Equifax wants to continue to try to charge me money to protect my credit file. 
Also when notifying them of my current address they took two months to correct it, going back and forth with my previous address as my current address. I would n't be surprised to receive another letter saying they switch my current address to my previous address again. 
I have attached proof of their messing around and hurting me. I hope you can fix this with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Two months ago, I submitted a complaint about Equifax Credit reporting listing a tax lien with the State of California. Equifax , stated that they had investigated and the reporting was accurate. At that point, I took the complaint to the California Franchise Tax Board, and upon investigation California found that while the tax lien was paid, it was in fact placed in error. California Franchise Tax board indicated that they would notify the credit bureaus to remove the lien item. At this time Equifax continues to report this item. I have attached a copy of the release of lien, filed in error and desire that Equifax remove this reporting as it is not only inaccurate but damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear Sir or Madam : I am writing to dispute the following information in my file. The item I am disputing is attached in this email. 
This item from XXXX and XXXX XXXX XXXX has been settled and needs to be removed from my credit report. My credit report is still reflecting this as a balance owed and now that it has been satisfied it needs to be removed or corrected with a {$0.00} about due. 
I am requesting that the credit bureaus delete the information or correct it. 
Enclosed is an attachment from XXXX XXXX XXXX supporting my position. Please investigate and delete or correct the disputed item as soon as possible. 
Sincerely, XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of Identity Theft and am trying to get these items off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
EQUIFAX continues to accept inaccurate information from XXXX which results in re-aging of the account keeping it on my Credit Reports since 2006. I have disputed it with them over 12 times and even though they acknowledge my facts nothing ever happens. EQUIFAX shows the item has been on my Report 93 months well over the 7 years allowed by the Fair Credit Reporting Act. XXXX is guilty of Fraud. XXXX & XXXX XXXX have removed XXXX from my Credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: CO

Complaint narrative:
Our home loan was sold to a company called Seterus. It has been over XXXX months and I have not been allowed to speak to anyone about my loan and it has been nearly impossible to make a payment. We are in bankruptcy and they said they would need a letter from my attorney authorizing them to speak to me about my loan. That letter has been provided XXXX times to them. I then received a letter from my home insurance company ( XXXX ) stating that the insurance escrow had not been paid to them. I have spent countless hours trying to speak to Seterus and they continue to tell me that they can not speak to me. My home is on the verge of being uninsured and I am at wits end. In order to pay my house payment I finally had to go to the bank and get a pre-paid bank check to send to them. I am very frustrated and do n't know how to move forward with Seterus. Any help you can provide would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-18 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
THIS LOAN WAS SOLD TO SETERUS BY XXXX. THE STATEMENTS WERE MAILED TO MY ADDRESS INSTEAD OF MY PO BOX IN XXXX. THERE IS NO MAIL DELIVERY TO MY ADDRESS OR ANY IN THE TOWN OF XXXX, ONLY PO BOX DELIVERY. I DID NOT GET THE STATEMENTS AND, THEREFORE COULD NOT PAY THE BILL. I WAS NEVER LATE ANY OTHER TIME. IT SHOULD NOT BE REPORTED AS A LATE PAYMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been a victim of identity theft for over five years. I have filed multiple complaints and disputes with Equifax XXXX and the Federal Trade Commission. On numerous occasions, Equifax XXXX has blocked and/or froze my file, which hindered me from getting a copy of credit bureau reports and the deletion of erroneous information. My consumer credit rights, have been continually violated and disputes have been ignored. I have sent in countless copies of my drivers license and social security card, yet the erouneous information remains. 

I currently have the following listed on my reports : XXXX XXXX XXXX Collection accounts that were not opened by me ( XXXX XXXX Credit inquires that I did not authorize. 
( XXXX XXXX Addresses in multiple states that do not belong to me. 
( XXXX XXXX Social Security card numbers XXXX XXXX XXXX Date of births including years XXXX XXXX XXXX Employers, XXXX of which I have never worked for. 

I am requesting that my credit bureau reports be accurately adjusted to reflect the truth!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been a victim of Identity Theft. I have been trying to work with the Credit Reporting Agency but they are refusing to honor my valid identity theft case thus these incorrect/fraudulent items are still on my credit report and they must be removed immediately but they are do not belong to me. I have provided all of the proof to show that I was a victim of Identity Theft and that to the best of my knowledge these fraudulent accounts do not belong to me. Please take immediate action on my behalf so I can have these items removed, deleted and permanently blocked from my credit report, so that I can get back on track to a normal life. 

Regards

Company response to consumer: Closed
Consumer complaint received 2016-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Trojan Professional Services, Inc.
State: GA

Complaint narrative:
I have made every attempt to dispute this account with both XXXX and Trojan Professionals. XXXX stated that Trojan Professional verified this debt. It will be impossible for Trojan Professionals to verify a debt that do not belong to me. I have not received anything from Trojans with regards to this debt. So they are in violation of the FCRA. Please assist me in getting this matter resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: NC

Complaint narrative:
Seterus is the service of loan in my fathers name who is deceased. 
They are attempting to foreclose on the property. 
I am offering to bring the loan current and continue to make payments however they will not provide the payoff figures to me. 
I have supplied both the Death Certificate and POA of my mother, the surviving spouse.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-17 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax Information Services , LLC . refuses to send a updated and corrected copy of my consumer credit report and file to XXXX, XXXX and XXXX , XXXX. 
The XXXX National Consumer Credit Reporting agencies ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax , XXXX and XXXX continue to list and update XXXX XXXX XXXX on my credit file. I have contacted this company several times over several months time frame. This company has failed to respond to any of my disputes. Instead, they have failed to provide me with a debt verification, they have failed to provide me with a right to dispute notice. They have failed to list accurate information on my credit report. I contacted them certified mail in XXXX 2015 at the address listed on my credit file and my certified mail was returned back to me as an unknown address from the post office. Yet, all of the credit bureaus keep updating the account information for this company that I have never done business with. By law, XXXX XXXX XXXX can no longer remain on my credit and I want your agency to make sure that this account is not resold to another agency since this company is too busy to list their correct mailing address on my credit when they update their account, as well as too busy to respond to my disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently received a copy of my Credit Bureau Name credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 

Thank you for your help, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
Approximately 1 1/2 years ago I submitted proof that I have no tax liens against me by suppling Fed tax lien release docs to all XXXX reporting agencies. I also dispute any claims that I have unpaid or delinquent medical bills. There is nothing else that I am late with. I se3nt the letters by certified mail and to date, I have never heard from any of them. I will attach the docs that show the tax releases. I hope you can help me, as I am sure you are aware that it is very difficult to get any response from these agencies. 
Thank you for your help XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: CA

Complaint narrative:
ILLEGALLY WITHDRAWING FROM MY ACCOUNT AFTER THEY BEING PAID OFF.XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 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: VA

Complaint narrative:
I am a current customer with Discover Student Loans. My interest rate has increased from 6.5 % to 7.00 % in less than two years ; that includes XXXX increases in the past six months. So, I called Discover Student Loans this morning. I asked for a reduction in my interest rate. I was informed by XXXX agents that the federal regulators set the rates, and that Discover can not reduce my interest rate. That is incorrect. The federal regulators set the prime rates. Discover adds on to that rate to set my Discover Student Loan total interest rate. My first complaint is that Discover provided me incorrect information on how my student loan interest rate was calculated and blamed the regulators for the rate, not taking ownership for their calculation. 

Next, I was informed by a Discover Student Loan agent that the ONLY way to reduce my rate was to apply for a consolidated student loan. This would account for a hard inquiry on my credit. Upon hearing this was my ONLY option, I submitted my application over the telephone. My second complaint is that I was incorrectly informed the only way to reduce my rate was to re-apply. This is incorrect. Discover has committed in the public press that they will work with student lendees to reduce interest rates for highly qualified individuals ( of which I am ). I informed the agent of this, who simply did not agree. 

Next, the agent obtained my information and imported my existing Discover Student Loan information ( i.e., the current balance ) into the application. Next, the agent informed me that I was not approved and that I would receive a letter in the mail informing me as to why I was not approved. The application I submitted and was ultimately declined for only included the existing Discover Student Loan. Ironically, I was declined for the same student loan product that I currently have with Discover. That 's my third complaint - that I was declined for the same product I have today. 

I informed the agent that I have obtained lower fixed and variable rates from a competitor. Discover 's competitor offered me the same lending terms ( variable, 15-year ) at 4.7 % interest. My current Discover student loan 's interest rate is 7.00 % ; that includes a .25 % reduction for direct debit. My fourth complaint is that Discover is taking 2.3 % more than its competitor ( s ) over the life of this loan. That amount excessive, and not working with me to reduce my rate to match industry standard is unconscionable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mnet Financial Inc
State: TX

Complaint narrative:
Received calls from XXXX manager XXXX. for a debt collection from 2014. After many calls back and forth I noticed they already knew my name without asking for it first, the account number provided was nowhere to be found with my hospitals, doctors etc and phone number provided was incorrect. Very clever group of people, PLEASE be aware if you receive any calls from this number!!!! Asked for their license, and they do n't provided me with that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-18 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Lloyd & McDaniel, PLC
State: OH

Complaint narrative:
My sole source of income is Social Security XXXX. I have a checking account and a savings account which had approximately {$800.00} in it. Lloyd & McDaniel, LLC of XXXX, KY garnished my savings account, taking more than half of it to collect on a debt that they 'd already attached to my condominium as a lien. 
My fear is that they will try and attach garnishment to my XXXX income even though I believe they are not allowed to by law. I need to make sure they ca n't take anymore of my income from me. I told them when they contacted me that I could not make payments on the debt at this time and that I planned to sell my property this year, thus allowing them to collect what I owed. But this was n't satisfactory for them. 
I have read numerous other complaints about this debt collectors practices. I live on a limited budget and while I realize I owe a debt I ca n't have what little money I have just grabbed from my bank account. This hurt me very badly financially and I do n't believe it should be a lawful practice. Also my own bank attached a high fee to the garnishment transaction adding even more distress to the situation. 
I contacted Lloyd & McDaniel several years ago about this debt and they were nasty and rude to me and gave me no credence as far my explanation for my financial situation. They act as sharks toward people without ability to pay them.

Company response to consumer: Closed
Consumer complaint received 2016-03-31 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Weber & Olcese, PLC
State: MI

Complaint narrative:
on XXXX XXXX 2015 and letter was sent out from weber & olcese about a debt with XXXX XXXX they said i owe, i received the paperwork around XXXX XXXX 2015 i did reply to say that the debt was paid for in bankruptcy ..but i never heard any thing else from them, they did n't say well ok or anything they just tryed to sever me in XXXX around XX/XX/XXXX with paper work but i was never home, not until XX/XX/XXXX this year that had tacted on my door..and i found out they been trying to serve me since last XXXX, so they did try to validate the debt, from the paper work they serve me with, they had already got and affidavit sign on XXXX XXXX 2015 from the time they sent me the letter that i got XXXX XXXX, then i had to response back to them, they did n't even take 30 days to validate the debt i wounded had until XX/XX/XXXX to response, had i not, but i did response right back and they ignore my letter, and i thought they where to stop collecting until they validate the date and send me some kind of correspondence, in stead they where getting affidavit to attached to the court papers, i never heard back from them, then i asked where they debt collector when i was in court last week, they said they where employee by XXXX XXXX, but i said the paper work said you are debt collector attempting to collect a debt, they are lying about there identity i hope you can help me get to the bottom of this

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: N.A.R., Inc.
State: TN

Complaint narrative:
I have been receiving calls from a debt collection agency for years. Every time they call, they ask for the same person who has my first and last name but a different middle initial. It appears that NAR in Arizona is the company that calls me once every few months. I have asked this company to remove my phone number from their database yet I receive calls from them on a regular basis.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
I had an account with Discover for nearly 10 years. I recently acquired high balances on all of my revolving credit as I prepared to sell a real estate property. I sold the property and proceeded to pay off ALL my revolving debt, including the balance on my Discover card. within a matter of days, Discover informed me that they cut my credit available from {$7200.00} to {$900.00} because of data they had from XXXX. They did not even allow at least 30 days to pass to truly verify my current credit worthiness. In fact, I no longer had any credit card debt and was more worthy at this point for credit than I was before. When I called to complain and explain that their decision was based on outdated information, they said I had no other choice than to wait 90 days and request a credit increase. I explained that the decrease should n't have happened in the first place because they were using outdated and inaccurate information to base their decision. It seems as though once they were no longer going to collect interest payments from me, the did n't want my business. Odd timing and poor decision based on inaccurate data. I finally just closed my account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK
State: MT

Complaint narrative:
I went to XXXX to get shots. They overcharged me by doing an exam that I did not ask for. Discover Card would not reverse the charges. Also, they still have not sent me my year end summary and XX/XX/2016 statements since my wife stole them. They sure are quick about sending the bill and making up charges. They XXXX. I will never use discover again. They also charged me for a dog walker that I did not use. Their customer service sucks.

Company response to consumer: Closed with explanation