vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I was a student at XXXX XXXX XXXX from XXXX of XXXX to XXXX XXXX. A school official applied for a XXXX XXXX XXXX ( Private ) in my name providing an XXXX signed loan application for {$21000.00}. The loan was obtained for the school period of XXXX XXXX to XXXX XXXX, a period for which I was not enrolled ( documentation provide by the school registrar ). I had no knowledge of the loan until learning that I had been turned over to a collection agency about a year ago. When I requested debt validation, the debt collection agency ( XXXX XXXX XXXX ) was only able to provide a copy of the loan application with no transcripts or master promissory note. All attempts to resolve have proven unsuccessful. With fraud report ( police ) and verification none of the partied involved will accept responsibility or liability for the actions of whomever applied for this loan. I have spoken to XXXX Bank the loan servicer, XXXX XXXX XXXX ( the current collections ), and a representative of XXXX XXXX XXXX XXXX SC . XXXX XXXX XXXX reported to me after submitting the requested documents ( certified ) via phone conversation that my case was " special '' and had been referred back to XXXX Bank. The representative from XXXX further advised me that XXXX Bank was not bound by any regulations to respond in a timely manner " they could take as long as they want '' but they " XXXX XXXX XXXX '' would continue to report to bureaus. All have parties have been provided with documentation as well as XXXX, XXXX, Equifax , and XXXX. Despite the preponderance of evidence of fraud, they continue to report, refuse to update/remove, and will not offer resolution to matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I have disputed the account ( Account number XXXX ) online through Equifax information systems. Equifax came back and said that it was " verified '' by the collection agency, however they could not provide me with the information on HOW it was verified or a contract that I signed with their agency ( XXXX XXXX XXXX.. This account does not belong to me. I started checking my credit in XX/XX/XXXX When I researched my credit history I had absolutely NOTHING on my record aside from names and addresses as of XX/XX/XXXX. I applied for a credit card and was approved. Meanwhile, I check my score a month later only to find out that a company by the name of XXXX. has reported a debt that is 7 years old on my Equifax credit report. The account " says '' XXXX date : XX/XX/XXXX. However, the last reporting date was XX/XX/XXXX. This is unfair credit reporting. I have/had no knowledge of the account and feel as I have been unfairly targeted. There was no collections on my credit in XX/XX/XXXX and now there is XXXX on there 7 years old. This practice is not right and it is compromising the integrity of my reputation, and the ability for me create opportunities for my family. Please look into my situation. This company has not followed proper protocol when it comes to debt collection and had not provided me with any written or verbal communication stating they would be placing said debt on my credit report ; which is a direct violation. I should have been notified in writing five days before the account is placed on any of my reports. Therefore, the account is invalid, unverified, and illegitimate and should be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Greetings. I was summoned to court by an attorney firm XXXX regarding XXXX, a debt collector. The debt was paid in full but not updated in the XXXX County court system nor on my credit reports. I sent a certified letter to XXXX to remove the incorrect debt information and public record but it was returned. A certified letter was sent to the attorney firm XXXX who updated the court record ( XXXX ) but ignored the request to remove inaccurate information from my credit reports. I then sent a certified letter to Equifax requesting that the inaccurate debt information and public record listed on my credit report be removed. I did not receive a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My XXXX XXXX account has a credit limit of {$2500.00}. I have disputed this directly with Equifax twice and their update states my credit is {$650.00}. The other credit bureaus are reporting the correct credit limit. XXXX XXXX has the {$2500.00} credit limit in their records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: WA

Complaint narrative:
I have been trying to get a loan modification from Seterus and they have done nothing but give me the runaround. There have been outright lies and deception on Seterus ' part and I feel CFPB should be made aware of their deceptive, unfair, abusive and misleading mortgage servicing practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: NC

Complaint narrative:
The mortgage servicing company does not mail me Form XXXX ( Mortgage Interest Statement ) as required annually in the last 3 years in order for me to file my tax returns. Every year, I called to get the information and they kept saying they required an authorization from my attorney. The loan is in Chapter XXXX and payments on the loan are being made by the trustee. The attorney 's office sent the required authorization letter for the servicer to provide me with this information. The servicer claimed that they send the information to my attorney, however, the attorney 's office said they did not have the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
To Whom It May Concern,. 
Pressler & Pressler , LLP placed a wage garnishment against me and my employee pay wages. for a credit card debt that I do not owe nor own. Pressler & Pressler garnish my wages from my employment without my knowledge. I Did not receive no court dates to be aware of what my pay check was being garnish for and the percentage. I arrived at my job to start my day. An envelope with confidential stamp on it. that 's when I was aware that Pressler & Pressler garnish my pay check for a debt I do not owe. I file For a motion to go into court on my own. and attorneys were not present in court. but wage garnishment is still being deducted from my paycheck. For a debt I do n't own nor owe. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XXXX/XXXX/XXXX I filed a complaint with CFB case # XXXX in regards to Equifax multiple discrepancies of their reporting of XXXX Account on my credit report. On XXXX/XXXX/XXXX Equifax submitted their resolution to CFB and myself of the action they had taken in regards to these discrepancies : " Company responded Equifax said : Explanation of closure Equifax has reviewed the complaint and it 's records. The prior paying history for XXXX accounts XXXX and XXXX has been removed from the credit file. Written confirmation has been sent to you. Please allow 7-10 business days for delivery. If you should have any additional questions or concerns in regards to your Equifax Credit Report, please contact us directly at ( XXXX ) XXXX. 
Relief The prior paying history for XXXX accounts XXXX and XXXX has been removed from the credit file. '' Well on XXXX/XXXX/XXXX Equifax undid their relief and reinserted the payment history nor was I informed of them doing such. I did not receive any type of notification from Equifax about this reinsertion within 5 business days or any days. Had I not checked my credit score via XXXX XXXX I would have never known. Equifax has been reeking undue havoc on my life with their improper reporting of my credit file. When I called Equifax about this matter all they do is read you a script and does not try to do anything to fix their mistakes. I have since sought out legal advice and will be moving forward in that direction. It appears Equifax is only satisfied when they are being sued and at this point they try to do right by the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-05 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Equifax markets a 3-in-1 Credit Report product that only includes information that the credit reporting agencies are required to provide for free. I understand that the terms of the product do not state that credit scores will be provided, however it is clearly misleading to offer a paid product next to your free report that contains no additional value for the paying customer. 
I would like a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My Equifax File has outdated and incorrerct information. 
The accounts that are in question are as followed and for the reasons stated. 
1 : XXXX XXXX XXXX this account was closed and charged off XX/XX/XXXX, the statue to report negitive infomation of account has elasped as XXXX/XXXX/XXXX. 
2 : XXXX XXXX This account was charged off and sold XX/XX/XXXX 3 : XXXX XXXX XXXX. This company bought this charged off account from XXXX in XX/XX/XXXX and change date as the date open XX/XX/XXXX which this collection company would have more time to collect which I dispute this account and all the dates. 
4 : XXXX XXXX. This account has been charged off XX/XX/XXXX and the staute has elapsed for reporting this account on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK
State: NY

Complaint narrative:
The credit card issuer - Discover Card - fails/refuses to remove charges from my account claiming that the merchant XXXX has not received the returned items. I provided all the required and supporting information including tracking and delivery receipts from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-26 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: DISCOVER BANK
State: NC

Complaint narrative:
Discover Bank has restricted access to funds on in my account through my debit card. I am unable now to use my debit card for any credit transaction. All credit transaction are being run as " high risk ''. Discover has given very vague explanations as to what they qualify as high risk and why companies are flagged. They have enacted a security system on their card that they state vendors are behing on that requires additional information to be pulled from the card including the pin number. Yet they can not explain what vendors follow these " rules '' I have tried multiple vendors and it was rejected at all of them including XXXX which has some of the highest encryption levels. They are stating that as long as you type in the CVC code number on the back of the card it will work and this is incorrect. Each merchant has requested the CVC code and each time the card is blocked. The only solution they can offer is to call them every time I want to use my card to get a 15 minute window. They reject companies that have my full account number and do ACH transactions but those same companies as flagged as high risk when used with my debit card as a credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: DISCOVER BANK
State: NY

Complaint narrative:
I was scammed from XXXX purchases made from XXXX using my Discover Card. Temporary credit was issued on XXXX XXXX, 2015. It allowed only 45 days for the merchant to reply, if not the case would end up in my favor. Discover Card reverted the credit PAST the 45 days on XXXX XXXX, 2015. I would like my credit back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
HI - a fraud account was opened under my name. I filed a police report and trying to work with the agency to clear. they are still claiming this was opened by me. I 've never owned a discovered card, I 've only own Visa and XXXX. My credit score has always been high, this is out of character

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: DISCOVER BANK
State: MS

Complaint narrative:
Discover Card authorized a charge for {$120.00} from XXXX XXXX XXXX this is an unauthorized charge. They allowed the company to charge my card and the charges remained even after I called Discover Card and verified my identity and notified them of the unauthorized charge the same day.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Global Asset Management Group, Inc.
State: CA

Complaint narrative:
They have been calling my job saying that need to serve me documents and they tried discussing this matter with HR or an office manager and were very persistent. I told them to reach me at home and provided an updated address.

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 2016-11-30 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: DISCOVER BANK
State: NC

Complaint narrative:
I have received XXXX civil summons in nc from the same debt collector and they are also a law firm ... is this a type of intimidation ... I got summons afther summons from the same place. I was n't even informed that they were about to summon me

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK
State: OR

Complaint narrative:
I received the letter from " Discover Financial Services '' saying my Discover credit card was closed due to its business decision. I pay bills on time never late for this credit card. Last month I was awarded credit limit raise. I do n't know why I get cut due to " business decision ''. I called a friend and found out he has the issue without any reason explained.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Professional Placement Services, LLC
State: IL

Complaint narrative:
THe debt was paid and they still have it showed as open on my credit report but with a {$0.00} balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc.
State: VA

Complaint narrative:
XXXX companies involved XXXX ( accnt # XXXX ) and Dovenmuehle ( accnt # ending in XXXX ) both working under XXXX XXXX XXXX XXXX loan # XXXX. 

My wife and I are both in the military and we are trying to buy / close on a house in the next 30 days but I cant make the offer until I have a letter from XXXX to clear up a problem I did n't create, but I am doing my best to fix. Dovenmeuhle was servcing our loan since the refi XX/XX/XXXX. In XX/XX/XXXX the loan was sold to Lender-live. In spite of multiple attempts to give address corrections to Dovenmuehle since XX/XX/XXXX, Dovenmuehle failed to make corrections to our mailing address and also inform us of the account changes. Even Dovenmuehle sold the loan to XXXX XXXX, they continued to cash our checks. XX/XX/XXXX-XX/XX/XXXX they forwarded our money to XXXX XXXX, however in XX/XX/XXXX they stopped forwarding the money to lender-live, however continued to cash our checks vs returning the checks to our banking institution ( XXXX ). The only reason we became aware of the now 4 months past due amount on this loan for our rental property in XXXX is because we are trying to buy a home here in XXXX since XXXX. Our credit score was in the XXXX 's back in XXXX and now they are at XXXX and we need this black eye removed from our credit ASAP so we can buy this house and get kids in schoolWe have brought the account current by taking XXXX dollars out of our savings because Dovenmuehle refuses to tell us when we will have our money back. XXXX refuses to acknowledge the mix up and provide us a letter to clear the issue up with the ( XXXX ) credit companies. My wife and I own XXXX homes as we have spent the last 20 years in the service to our country and through deployments we still have religiously paid all of our bills through the XXXX bill pay service every month for payment on this property ( XXXX XXXX XXXX XXXX, XXXX XXXX ) and every other property. 

I confident that when you review the attachments outlining the facts, you will see that we are not at fault here and an investigation into this prepdatory lending on all the above named parties in warranted. Its not fair that they are taking advantage of us in this fashion when we have earned our income fighting for this country and paid our bills! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX need a letter signed and emailed to me ASAP that outlines that the pastdue amount has been brought current on this account on XX/XX/XXXX and anyreference to late payments or past due amounts removed from my credit filecompletely. I need this for both me and my wifes credit ( XXXX # XXXX XXXX ) School is getting ready to start and I need to get my family moved.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK
State: PA

Complaint narrative:
Discover Card on XXXX XXXX called regarding a missed payment. I spoke with the representative ( name unidentified ) and informed her that a payment will be made on XXXX XXXX. Do not withdraw any moneys from my account. Not only did the representative automatically deducted moneys from my account for the payment causing other bills to " bounce '', she also went in and authorized automatic monthly withdrawal commencing XXXX. At no time did I approve or authorized such actions. It was not until I went to see if specific check " cleared, '' did I become aware of the action of Discover CSR. I called on XXXX XXXX to file a complaint regarding the action of that particular CSR of XXXX XXXX. The CSR of XXXX XXXX was named XXXX. XXXX transferred me to XXXX that wanted to refund my payment. I agreed for it to remain due to the fact that my checking account was already overdrawn due to the Discover withdrawal and the account to be paid payment " bounced. '' I believe this is a practice of Discover. This is the XXXX time in XXXX years that Discover 's representative fails to " listen '' and do exactly what they chose on these account upon calling the customer. XXXX removed the automatic payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02 00:00:00
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK
State: PA

Complaint narrative:
I have been a Discover card holder since XXXX. Since that time, I have never had a delinquency with them. On XXXX XXXX, XXXX I gave birth to a baby girl who experienced some health issues. After coming home and getting settled in XXXX, I missed my Discover payment. I called and called Discover to beg them to remove this one late marking off of my credit report. I spoke to account supervisors and asked that I speak to upper management, who they informed me are not accessible by phone. Given my hardship, I ask they please remove this XXXX mark and return my nine year account to good status. 
Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-15 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Eastern Management Group LLC
State: IN

Complaint narrative:
I was recently contacted by a XXXX XXXX from telephone number XXXX. She told me she was with a location service. She then went on to accuse me of Internet fraud. The person in question then went on to say that I owed {$1600.00} to the Eastern Management Group and she was collecting for them. 
Prior to this phone call I received a call from my ex-husband my son and my current spouse who she had contacted stating she was trying to find me because I was being charged with internet fraud. This woman at badger in my son at his place of employment continuously asking him is this the kind of stuff she does. And then when I talk to her, she stated my son replied yes this is what she does. My son never stated that. 
This woman continue to harass me stating that if I did not pay her the full amount today she would send out a process server and I would be arrested, she also threatened my XXXX license. 
I requested documentation to verify that this loan was even mine and I also asked her to send me a disclosure about her being a debt collector I received neither one. 
XXXX XXXX informed me that I did not get back with her with a payment she would then contact my employer and have my wages garnished.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation