vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: NJ

Complaint narrative:
I own a condo in XXXX, NJ that was my primary residence and is now rented for {$1300.00} a month. Last year, there was a period of time where I lost my renter and had to make repairs to the property and I was unable to afford the mortgage payment. I then received " streamline '' modification documents from Seterus. I met the probationary period making monthly payments of approximately {$1300.00} for three months. I was then sent the final modification documents to sign however in the interim I received a letter from the escrow department stating that my escrow was incorrect and that they would send me a letter with the new amount. I received the letter from the escrow department and it would have reduced my payment to the probationary amount of approximately {$1300.00} rather than {$1400.00} as indicated on the documents. I kindly asked for new modification documents reflecting the corrected escrow amount as that was in line with what I could afford and being they made a mistake I wanted accurate loan documents. This began in XXXX. After numerous phone calls and their recommendation to just sign the documents even though the amount was incorrect. As recent as this week, I spoke to someone stating they would look into it and put in a request for updated documents and they would get back to me. I have never gotten a response. On XXXX XXXX, I was served with foreclosure papers. I am only trying to have accurate loan documents reflecting the payment with the correct escrow amount that they had originally calculated incorrectly. But as is typical with large financial institutions, the right hand does not communicate with the left. I do not have money to get a lawyer and I just want to fix the situation but they said there is nothing I can do but try to reapply for a new modification which I am completing for form today on XXXX. I feel that it is wrong to recommend a borrower to sign documents that they know are incorrect. Also when I make calls I have gotten different answers from different representatives. There was no consistency. I greatly appreciate any assistance you can offer in helping me rectify this situation as I do want to keep the property. I am in XXXX, a XXXX, so I am not nave to the process, however I think the OCC would criticize us if we did n't have correct documents and the Bank recommended the consumer to just sign the documents knowing the payment is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax is reporting a judgement ( # XXXX ) for {$1500.00}. This judgement was paid and satisfied. I have written them twice but they have not changed it to show paid and satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have disputed the following accounts ID # XXXX, ID XXXX and ID XXXX numerous times with Equifax. I have contacted the alleged source as stated in the attached document at ( XXXX ) XXXX and the Courts stated that they did [ n ] ot give any information to the Consumer Reporting Agencies with respect to this matter and that the Consumer Reporting Agencies upload from a third XXXX public system called " Pacer ''. The account are [ n ] ot mine are damaging my credit and life. Please provide me with the method of verification as required under 611 ( a ) ( 7 ). I also request to see the original contract containing my signature that you have on file with respect to the above mentioned account ( s ) per Section 609 ( a ) ( 1 ) ( A ) of the FCRA. Your failure to accurately verify these accounts have devastated my credit score and my credit worthiness. Denial of this request violates Federal Law in addition to my Consumer rights. According to the FCRA all unverified accounts must be removes from my credit file if you can not provide proof of claim and or verification. If the alleged source has not reported any information pertaining to these accounts as the Data Furnisher, who has the authority to inaccurately report fraudulent information on my Consumer Credit Report????

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax is frustrating the purpose of the XXXX XXXX Initiative and violating publicpolicy because they are refusing to remove a Withdrawn XXXX tax lien from my creditreport. 
Under the XXXX XXXX Initiative, XXXX if consumers pay their liens in full and the XXXXgrants a consumer a " Withdrawal of Filed Notice of Federal Tax Lien After Release '', CreditReporting Agencies are expected to delete the lien from consumer credit reports to provideconsumers with a fresh start. The new public policy was confirmed by all XXXX credit reportingagencies and their trade organization, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to XXXX XXXX, Vice President of Public Affairs for the XXXX, " I'veconfirmed that all three credit reporting agencies remove withdrawn XXXX tax XXXX. '' XXXX XXXX XXXX, XX/XX/2013, I obtained a Withdrawal of Filed Notice of Federal Tax Lien AfterRelease, and submitted the notice to XXXX, XXXX XXXX, and Equifax. See Exhibit A. XXXX and XXXX immediately deleted the federal tax lien from my credit reports. SeeExhibit B. Equifax however ignored the notice, refused to delete the lien, and determined thatthe lien would be reported as released and remain in my credit file for up to XXXX years. SeeExhibit C. 
In sum, Equifax is violating public policy and frustrating the purpose of the XXXX XXXX Initiative by refusing to delete the withdrawn XXXX tax lien from my credit report. Thankyou for taking this matter under consideration. Please let me know if you need additionaldocumentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I XXXX, am filing a complaint because Equifax has ignored my request to provided some kind of documents that their company has on file that was used to verify the Public Record I disputed. Being that they have gone past the 30 day mark and can not verify the Public Record, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. 
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX is in fact NOT complying with the FCRA. And the FTC just looks the other way. 
It is OBVIOUS that XXXX does not want to give you a free credit report. The web barriers are very difficult to surmount, so most people give up and pay money, as XXXX wants. They say I have already received a free report within a year, so I am not eligible. But I did not. They ask very picky and detailed questions, which are unnecessary and often impossible to answer. They say " unable to complete your request '' with no reason. Their XXXX character recognition system rejects most anything you enter. They reject you for any of the above and you have to start over or worse they say you are disqualified. They say you have to apply by mail. I got their form and filled it out and sent it back. They never replied. 

So in desperation I paid them for a report. Then I found in the fine print on the very last web option, that now I was a " member '' and they would charge me {$25.00} additional every month. I never signed up for that and it is a complete ripoff. I had to call them to complain, and then they offered me half price to remain a member if I agreed to stay on for 5 years. THIS IS ALL A COMPLETE SCAM!!! 

The best evidence I can give you is just try it yourself. Any reasonable person would conclude as I have that their web pages do NOT constitute de facto compliance with the FCRA. They are deliberately designed to just male money for themselves, and not serve the public.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-16 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I reported it in XXXX of XXXX, it is still affecting my family and we have lost everything since the incident occurred in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX, XXXX XXXX XXXX Number Num : Balance {$220.00} Sir or Madam, I am writing in regards account XXXX XXXX XXXX on my credit report. I have filed a complain to the CFPB, that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national XXXX. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX account XXXX does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX University XXXX XXXX has false reported to Equifax a {$5200.00} balance on my credit report when the Federal Government US Dept of Education discharged and paid all my student loans. I have disputed this account for 5 months with documentation and they still have not deleted the fraudulent info from my consumer agencies. I have never had a loan with them the Government controls all student loans and the University XXXX XXXX denies the fact that my account was left at a XXXX balance when I withdrew from them because of their grievious financial practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
I applied for a second loan on my home with Discover Home Loans. During the process I was told there was a pending lawsuit against my property which Discover identified during a title search. After receiving the information, I conducted a county records search, and a title search with XXXX XXXX but my title showed it was clear of any pending liens. Discover Home Loans denied my loan based on the pending lawsuit " XXXX '' on my property, but there is no XXXX. I asked for the information used to deny my loan but was told I was n't entitled to it, although I believe I am entitled to information used to deny my loan. Discover Home Loans has refused any further communication with me. It should be noted that the pending lawsuit case number given to me by Discover Home Loan is a civil suit filed by a citizen against me and several other law enforcement managers with no tie to the incident being brought to court. County Council believes the lawsuit to be frivolous and vexatious as the managers listed in the suit where only identified due to being listed on a webpage. While the lawsuit is public record which is most likely how Discover Home Loans identified it, it is not attached to my property as a lis pendens. I have attached my correspondence with Discover Home Loan for reference, as well as the law suit filing. My goal for this complaint is to receive the documentation used to deny my home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: DISCOVER BANK
State: CA

Complaint narrative:
I co signed a loan for my daughter Discover sl has refused to go after her -- i feel they should try and find her -- she is not talking to us anymore. and will not work with me. They call me just before the payment is due or say your just a couple of days late and it has not affected your credit yet but if you do n't pay now -it will

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I received a student loan from Discover. I was notified that my bill was due in mid-XXXX and I told them I would be unable to pay until the end of XXXX, at which time I would also cover XXXX 's bill. They seemed understanding until I started receiving multiple daily calls from them. I called back, reiterating my previous statement of being unable to pay for a month. The calls are relentless and at this point I have received over 100 phone calls in less than 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: DRS Financial LLC
State: PA

Complaint narrative:
On XX/XX/XXXX I contacted Capital Collection Services to verify an account that I was unfamiliar with. After receiving information that I was unsure of, I requested a letter to have physical of this account. They refused to send me a letter. They said they sent letters back in 2011 but will not send another today. I think this is horrible. How can you expect me to have documentation from 2011. Anything could have been happening to me during that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: State Collection Service, Inc.
State: FL

Complaint narrative:
XXXX provides me with XXXX and other medical products and services. I am covered by medicare and I carry a medicare supplement to cover all co-pays, etc. I am XXXX % insured. XXXX claims unpaid balances from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They never asked me for payment. My first notice of this was thru the collection agency letter ( attached ) which arrived on XX/XX/XXXX. State Collection infers the possibility of referring my name to a credit bureau if I do not pay these amounts. I have spoken to Medicare and found that the only XX/XX/XXXX claim was paid in full on XXXX/XXXX/2014 and forwarded to XXXX XXXX XXXX XXXX for payment of the patient responsibility portion. XXXX claims that the XX/XX/XXXX and the XX/XX/XXXX bills were duplicate billings and were denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: R & B Corporation of Virginia
State: IL

Complaint narrative:
On XX/XX/XXXX2016 I was alerted on my XXXX XXXX account that Credit control corporations had opened a collection account on my credit profile dated XXXX XXXX, 2016. I have received no correspondense on this account totalling {$210.00} on XXXX and {$250.00} on the other. Credit control corporations has not provided:1.Agreement with the creditor that authorizes you to collect on this alleged debt 2.The agreement bearing my signature stating that I have agreed to assume the debt 3.Valid copies of the debt agreement stating the amount of the debt and interest charges 4.Proof that the Statute of Limitations has not expired 5.Complete payment history on this account along with an accounting of all additional charges being assessed 6.Show me that you are licensed to collect in my state ; and 7.Your license numbers and Registered Agent

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Knight Adjustment Bureau
State: UT

Complaint narrative:
I spoke with people from Knights adjustment in Utah about a debt owed to University XXXX Utah XXXX XXXX. 
They vioated FDCPA twice by1. Call at or around XXXX XXXX/XXXX/15 when i was speaking with XXXX XXXX XXXX XXXX when he didnt read a MM to me until after me asking to speak to a supervisor. I was then hung up on. 
2.Upon speaking to supervisor XXXX at or around XXXX when verally speaking to him.. XXXX read me a MM without confirming any of my personal information. 
XXXX. Avoiding talking to me upon several calls being ignored by them, and several calls being hung up on by them. 

Information was released without confirmation of whom they were speaking too, as well as the mini-miranda disclosure was not verbally stated upon initial oral contact after confirming my identity. 

Also the lack of respect, and communication from Knights adjustment to myself.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ESCALLATE, LLC
State: NC

Complaint narrative:
this accout is not mine but this company claims it is and is reporting this debt this was from identity theft and is fraudulent i have filed police reports and id theft affidavit

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: ARC Management Group, LLC
State: TX

Complaint narrative:
XXXX/XXXX/2015 took my daughter to XXXX XXXX XXXX ER. She was seen and discharged. A year later, when trying to refinance my house, I see a collection account from ARC Management Group ( biller for XXXX XXXX ). I called to find out which account the collection was regarding. I was told that my daughter was not covered under my insurance at the time of the ER visit, so I was deemed a " self-pay '' ( meaning I had no insurance ). I assured them I did have insurance and my daughter has had insurance since the day she was born. The hospital submitted and got paid for that claim ( I have documentation to prove payment ), so that further proves my daughter was insured. I call my insurance to verify that there had been no lapse in coverage and they confirm ( I have documentation to prove coverage ). I called ARC back and am told they tried on several occasions to call my insurance company to verify coverage. My insurance company keeps track of any attempts to verify insurance and had no calls from ARC or XXXX XXXX. I have tried numerous times to explain that this was not my fault and that they should have submitted the claim to my insurance. The time to submit a claim has expired since it is over a year. The credit bureaus are not helping me get this removed from my reports. ARC Management group placed me in collections 2 days after the ER visit. They say they attempted to send me notices which I never received. I do n't know where else to turn. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: Cochren Bailey & Associates, LLC
State: TX

Complaint narrative:
These people call 3 to 5 times a week, they do n't mention a person to be contacted, just that if we do not contact them the " matter which they do not mention '' is going to go into litigation. I know this is a scam! STOP THEM! the number to contact them is as follows.XXXX Apparently I am not the only one. there have been numerous complaints about this number on the net trying to collect money for charges or accounts that never existed.

Company response to consumer: Closed with explanation