vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
i have inquires that should be removed and have proof that they should be removed and equifax has yet to remove them i hope hat you can help me get them removed

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 — Account terms
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
Close to six years ago, I moved out of an apartment. I notified the utilities of the shut off date that I needed. A few years later when purchasing a vehicle I noticed that there were negatives being reported from the utilities I contacted the utilities and even though I did not owe the money, I agreed to pay the amount showing due, to clear the accounts. 
I was also advised that my deposit had been converted to cover the balance, and I was paying the amount remaining. It was made abundantly clear I disputed the balance and I asked for a investigation, so my payment ( s ) could be refunded. 
I never received follow up communications and it was only until recently, and much to my surprise and shock, only XXXX account was showing, an XXXX account, was shown as paid in full, but they still noted it was after charged-off ( even though this is unfair, I am not disputing that accunt ). 
The following accounts were paid in full, EVEN THOUGH I DID NOT OWE THEM, many years ago : XXXX XXXX 's tradeline that I owed to them the amount of {$220.00}, and XXXX tradeline that I owed to them the amount of {$130.00}. 
I disputed the following accounts on XXXX XXXX, 2016, and less than 24 hours later I received notification that Equifax 's investigation was complete and the accounts and amounts owed were accurate and complete. 
Equifax has a private contractual arbitration clause in their contract. I have already made my written demand, as required by their contract, to start the arbitration process. 
As Equifax testified to in in XXXX Equifax Information Services LLC, 3:11-cv-01231, that their policy is " [ t ] o take corrective actions to correct a consumer 's report is only undertaken if a civil action is filed, '' I do n't anticipate this complaint doing much good, in the short term, but I want to use their response to your agency in my Complaint. 
I am seeking punitive damages for willful violations of the FCRA and refusing to remove the inaccurate accounts from my reports, after this Complaint to your agency, will help establish the " willfulness '' element. 
I do not owe the amount alleged and even if I did owe it, it was paid long ago. 
Thank You for any assistance!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
We have sent the bankruptcy forms to the credit agency and the accounts do not show paid they show and outstanding balance and the mortgage account shows foreclosed and it was included in the Chapter XXXX bankruptcy with both mortgages on our credit .On XX/XX/XXXX, we filed for chapter XXXX bankruptcy, at the time we surrendered our house back to XXXX XXXX XXXX , previously XXXX XXXX XXXX XXXX XXXX our mortgage loan. XX/XX/XXXX, during our chapter XXXX bankruptcy XXXX XXXX XXXX sold our loan to XXXX on XX/XX/XXXX. XXXX foreclosed on our house in XXXX of XXXX. Our bankruptcy was XXXX in XXXX XXXX, XXXX. Now XXXX XXXX XXXX is reporting our mortgage on our credit report and XXXX is reporting it as a foreclosure XX/XX/XXXX. Our credit score has dropped XXXX points since XXXX started reporting the foreclosure XX/XX/XXXX. Please help us, this mortgage was included in our chapter XXXX bankruptcy and is the only reason we filed. It was our understanding that the mortgage loan was supposed to be marked in bankruptcy on our credit report. Our credit score has taken a hit with the Chapter XXXX bankruptcy ( the house loan was included in the bankruptcy ), and now we are taking another hit with the foreclosure reporting ( it is not being reported as included in the bankruptcy that has been discharged ). XXXX XXXX XXXX and XXXX are both reporting the same mortgage loan that was discharged in the bankruptcy on our credit report. I am attaching documentation supporting our bankruptcy. 
I am attaching several of our bankruptcy forms to support our story. We hired XXXX to help us with this situation and still have not seen results from any letters sent to the credit agencies. We do n't know where else to turn. We have spent many hours trying to get help with this situation. 
Our contact information is XXXX XXXX SSN # XXXX XXXX XXXX SSN # XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone XXXX Email : XXXXXXXXXXXX XXXX loan # XXXX XXXX loan # XXXX Property Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX Thank you for assistance in this matter. 
XXXX and XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Equifax removed all of my accounts from my credit report, then re-added them but without any payment history information, positive payment history, causing my score to drop XXXX points and therefore intentionally depriving me of the positive payment history reported to them. I am attaching proof of this via a report of the major XXXX obtain today. They refused to acknowledge the errors submitted in a previous complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax and my car loan company XXXX will not work with me to add XXXX back on my credit report. I disputed the late payment from XXXX we have been going back and forward about this dispute for over XXXX months and neither company is willing to do their job. I paid XXXX a month from XX/XX/XXXX to XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09 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:
Please remove this credit info from my credit report. It is not mine ... 
I was alerted today that I have a credit card from XXXX XXXX, with a {$1000.00} credit limit, which was opened XXXX/XXXX/XXXX ... with no derogatory information - never late and completely paid off ... but is now an inactive account. 
I have no idea who this card belongs to, but it is not mine. My credit score dropped XXXX points today ( within one week ) and I have no idea why or if this is the reason - FRAUD!!!! 
In addition, you report that my oldest account is only 1 year and 4 months old. This is absolutely inaccurate, too. Please contact XXXX and they will tell you that I opened an account with them on XXXX XXXX, XXXX. This is almost 2 1/2 years old.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On three seperate dates I 've mailed the CRA 's a letter as follows : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. ( I have left out the accounts for privacy reasons ) Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

I have not received any such documents as of this date.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
Back in XXXX 2015 i started a loan modification through my servicer Seterus who handles my mortgage for XXXX. I was approved by Keep Your Home California in XXXX 2015 for a principal reduction and was approved for {$84000.00} reduction was was sent to Seterus in XXXX for them to recast my loan. As to date they have not applied the funds nor recast my loan. I call on a weekly basis like they tell me to. I have spoken to numerous people and have asked for a single contact person that know whats going on and they told me that they can not do that. I have asked to speak to someone in their hardest hit department and they tell me i can not speak to someone their that they will put notes in the computer requesting an update. I get numerous responds in the mail with different programs they can offer me but nothing about the recast. I got a letter XXXX/XXXX/15 & XXXX/XXXX/15 that i was approved for a modification through the XXXX who i called that told me that they do n't service my loan, on XXXX/XXXX/15 received a mortgage Trial offer that would raise my interest rate and make my loan 40years, i keep getting a suspended account statement showing my {$84000.00} that keeps going down but nothing being applied to my loan, on XXXX/XXXX/2015 i received a letter stating i was denied a loan modification, on XXXX/XXXX/15 received an escrow account statement showing a shortage. I really do n't know what to do, I am at a lost please help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17 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 having issues with what is believed to be a mixed report with another individual. I have initiated disputes with the credit bureau. After several calls to the credit bureau, they finally initiated a proper investigation. I received notification from the credit bureau that on XXXX/XXXX/2016, the item has been deleted from my credit file. On XXXX/XXXX/2016, I looked at my credit file and the item was still reporting. I called the credit bureau, and after getting several different excuses about why the item was still reporting, I was finally told that there was an error within their system and the item would be completely deleted within 24 hours. I called back after 48 hours and my file has been placed with a special department within their company is handling my file now. They will not allow me to access my own credit file, nor will they allow potential creditors to view my file. I was told that in order to apply for credit somewhere, I need to contact them beforehand so they can allow the potential creditor access to my credit file. I did not request that they do this. This is very inconvenient. I also have credit monitoring services that I am paying for that do not have access to my file because of this unauthorized tactic by the credit bureau. 

They also placed an inquiry on my file that I did not give them permission to pull. They are the credit reporting agency, so they should have access to the credit file without have to do a " hard pull '' to view a persons credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I have been XXXX for over two years during this time I requested a modification 't with Citi Mortgage got the modification approved which increased my payments but that is another story. Every since then which was 2014 I have been having small issues with them getting letters stating my modification was denied I owe back escrow things like this that I was able to resolve until now. They are saying they are foreclosing on my home because I have n't made a payment since XXXX which is completely false and everytime I called and spoke to someone they said they were looking into it and when I got a point of contact they always went on vacation or transferred to another dept so now they are no longer allowing me to pay my mortgage because I am not on a repayment plan so I will fall behind and lose my house

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 2016-12-27 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: DISCOVER BANK
State: ME

Complaint narrative:
on XXXX i called discover to see about lowering the interest rate on my account and was told it could n't be done but financial aid may be able to help. i spoke to XXXX XXXX XXXX XXXX who said i could be put on a program that would reduce my interest rate to 9.9 % o both purchases and cash advances for a period of 6 months. i noticed that each month the cash advance amount would increase. when asked why i was told all money after interest was applied to the lower purchases balance and the only way to decrease cash advance amt. was to get that balance below the purchase amt. XXXX checked with her supervisor and told me if i made a {$150.00} payment, that would bring the cash advance balance below the purchase balance and then any additional money after interest would be applied to the cash advance balance and to call back in a couple days to be put on the 9.9 % program.. i made a {$160.00} payment on XXXX/XXXX/16 after my regular monthly payment was made. i was told by XXXX that it would all be applied to the cash advance balance. before the payment was made the purchases balance was {$3100.00} and cash advances balance was {$3300.00}. when i called back on XXXX i spoke to cooper. after the XXXX payment the purchases balance was XXXX and the cash advances balance was XXXX when i explained to XXXX what XXXX had done, he said he spoke to her and his supervisor and that XXXX was mistaken and the balances were correct and there was nothing i could do about it i feel that i have been lied to. i understand the conversation was recorded and that discover has a record of what XXXX told me..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK
State: NJ

Complaint narrative:
DISCOVER BANK WOULD NOT ALLOW ME TO CASH MY CASHBACK BONUS BALANCE ON MY CHECKING ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Wilson, Riley & Associates
State: OH

Complaint narrative:
on XXXX/XXXX/XXXX I received a phone call from someone claiming to be from a law firm called wilson riley and associates stating that they were going to be filing check fraud charges and take other types of legal action against me because they stated that i had not paid back the loan. 

I had paid a collection agency a settlement on the original loan in the amount of {$270.00} in XXXX. Upon talking to a representative of the law firm they told me that they had spoken with the collection agency that was told they had no record of my payment and to avoid being arrested and jailed i must immediately pay them. 
They did n't want to see my record showing that i had paid the debt. 

On XXXX/XXXX/XXXX they got hostile and hung up on me when i informed them that i was recording the conversation and that under the fair debt collection act they had to send me a letter in the mail containing information related to the debt that they claim i owe. 

XXXX and riley is not a legitimate law firm or a debt collector and upon further research other people have had similar experiences with these people. 

the number they are calling from is a XXXX michigan number but they claim to be in new york. their number is XXXX XXXX XXXX. 

also on XXXX/XXXX/XXXX they called my brother from another number and stated that they had warrants out for my arrest related to the issue stated above.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Dovenmuehle Mortgage, Inc.
State: TX

Complaint narrative:
in XX/XX/XXXX we purchased a manuf home and obtained fha financing- to date- tax districts list prop as lot only- manuf home is still listed under previous owners. When i turned XXXX i was trying to apply for over XXXX exemption-this is when i was told they is not home listed on property. I recieved overage check from dovenmuehle for XXXX i contact them to let them know this was a mistake and i send the check back in XX/XX/XXXX this has never been resolved. In XX/XX/XXXX we were contact by attorneys from the XXXX law center asking us if we wanted to modify our mortgage- They asked us to send them all our information, paystubs, bank statement, and budget letter. We were told to send them XXXX mortgage payments and not contact Mortage company since they would be handling the modification. In XXXX is when we found out this was a scam and Dovenmuehle sent us a foreclosure notice, they were not aware of any modificiation. We then tried to work with them thru loss mitigation. We made application and sent them all the required information, in XX/XX/XXXX they asked for updated documents since they were more then 30 days old, then in XX/XX/XXXX, they asked for more, same in XXXX, We kept being put off with a reason that they were not able to clear title- they said there were judgement filed against us, this was not the case- it was that the title did not show subject as real property- at the same time this was all happening, we Received a law suit filed by County of XXXX for unpaid taxes for XX/XX/XXXX on the Mobile home for XXXX this include court fees and was still show previous owners name included in the law suit. We contacted Attorney and were told the only way to not lose home to unapid taxes was to file for Chapter XXXX BK, which we did, the we contact HUD who contacted Dovenmuehle to pay the taxes. They were also told that they needed to file the correct documents to get the manuf home listed as real property. This has never happened. Our mortgage has now been sold to XXXX other mortgage companies since then. Was sold to XXXX then XXXX XXXX and now XXXX XXXX XXXX hold our mortgage- Since we filed BK- no one at any of the mortgage companies will talk to us. We have fallen behind again since our payments have increased by XXXX due to shortgage of escrows. They will not allow us to make any payments unless we pay the full amount. We are just wanted our property to be taxed correctly and able to get a loan modification at a current rate in order not to lose our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: DISCOVER BANK
State: SD

Complaint narrative:
I noticed that my private student loans currently being serviced by Discover Student Loans have been charged late fees in the last XXXX billing periods. My due date is the XXXX of every month, and my payments were received by them on XXXX XXXX and XXXX XXXX. I want to make sure they reverse these fees and remove any delinquencies on their records as well as any delinquencies they may have reported to the credit bureaus. 

I tried to chat with them, but sat on hold for quite a while with no response. I called them, and an agent said she was transferring me to the " payments screen '', then after several minutes on hold, she came on the line and spoke to me over the hold music asking if i wanted to try back later, I said I 'd like to continue to hold and she hung up on me. Lastly, I tried to send a message through their own internal message system on their website, and it wo n't let me submit it, giving me this error : " Message : Re-enter using letters or numbers as required '', here is the message I was trying to send : " I really hope you can help me, because I just got hung up on while on hold for XXXX of your payment representatives, and I sat on hold on chat for quite a while before giving up. I noticed my minimum payment has been fluctuating over the last XXXX billing periods, so i viewed my statements and saw that I 've been charged late fees on my last XXXX statements. My due date is the XXXX of every month, and my payment history shows my last XXXX payments were received XXXX XXXX and XXXX XXXX, so I 'm not sure how I 'm being assessed late fees. I certainly hope you 're not reporting me past due to the credit bureaus, because I have great credit and have made my payments on or before the due dates. Did n't you guys get in trouble last year for overcharging interest on student loans? Can you try to get this right? 

Please refund my late fees and correct any delinquencies your records may show, because I was not late. '' I am turning to the CFPB only after exhausting every method that Discover Student Loans offers of contacting them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: Rent Recovery Solutions
State: CT

Complaint narrative:
My fiance and I ( XXXX XXXX ) were living in the XXXX XXXX XXXX XXXX, XXXX CT. The XXXX materially and repeatedly breached its obligations to us under our lease, which caused us to terminate the lease and move out of the apartment. The XXXX then sent our debt into collections with Rent Recovery Solutions, during this time we notified The XXXX that they and Rent Recovery Solutions were only permitted to contact us via formal writing. Rent Recovery Solutions ( RRS ) attempted to contact us by phone, which we made aware was inappropriate. We received a letter of collection from RRS and responded within 30 days that " As your client, XXXX and XXXX XXXX " XXXX '' XXXX, has been repeatedly advised in writing, the entire amount of their claim is disputed and will not be paid. XXXX materially and repeatedly breached its obligations to us under our lease, which caused us to terminate the lease and move out of the apartment. '' Our credit scores have been flagged by RRS and we dispute all amounts due. It should be noted that RRS is not listed as a XXXX Agency with the XXXX as of XXXX XXXX. We have told both parties that we are being represented by a lawyer and are disputing all charges.

Company response to consumer: Closed with explanation