vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-16 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: DISCOVER BANK
State: FL

Complaint narrative:
I lost my job and had to stop paying my monthly payments in XX/XX/2016. I called Discover card today to try and settle my account. I spoke with XXXX from Discover card who after me opening up and explaining a very personal situation he began to judge me and basically school me like a child regarding my account. I felt very insulted at the way he was talking to me when I was the one who called them to try and settle the account. He began to assume the reason why I stopped payment and was not listening to the real reason why. I have been with Discover card for 16 years and have never stopped paying the account. I wanted to settle my account but he was trying to shame me as to why I hadnt paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Professional Placement Services, LLC
State: MN

Complaint narrative:
I been receiving harassing and threatening telephone calls of death threats from representatives from Professional Placement Services in reference to a collection account that do not belong to me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: DISCOVER BANK
State: AZ

Complaint narrative:
I made a purchase of {$1000.00} on XXXX XXXX, 2015 using my Discover it card with XXXX. Discover was running a promotion offering 10 % cash back on purchases made using XXXX. Discover has not paid the 10 % cash back that was promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09 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: NY

Complaint narrative:
I have a private student loan from Discover. I am currently a XXXX, making XXXX per year and can not repay my loans at this time. With all other loans, including all other federal and private loans I am able to apply for forebearance as long as I supply proof that I am still in training. 
Discover has told me that I " can only be in residency 4 years '' and that my ability to forebear my loan is over and I must pay up. I have explained to multiple discover reps who call to harrass me that I am still in traning. They continue to tell me that I can only be in training for 4 years and now I have to pay. 
I make $ XXXX. I AM STILL IN TRAINING. It is crazy that Discover is telling me I have a job and I have a higher salary

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Thank you for taking the time to read this letter, and I hope your day is going well. I 'm writing because I noticed that my most recent credit reports from XXXX, XXXX, and Equifax contains multiple collection items on my credit reports from XXXX even though they are over 7 years old and actually scheduled to be removed in XX/XX/XXXX. If you noticed from the attached file the reporting dates are different and inaccurate this alleged account is from when I was in college which was over 13 years ago considering I started college in XX/XX/XXXX and graduated in XX/XX/XXXX. So considering the time frame either way the items are between 9-13 years old which is passed the 7 year mark.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX, NY XXXX, NY XXXX These are not my address, They are my son, XXXX. 
Also there a charge for XXXX for {$1100.00} This is not mine, It my son also.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In XX/XX/XXXX, I pulled my credit report and a collection account from XXXX County Court and the Ohio Attorney General for State Taxes for unpaid taxes was showing on my report, I had no idea so after seeing this, I sent the money to pay it off and paid extra court costs that were required to remove the Tax lein ( {$690.00} ) Regardless, In XX/XX/XXXX, and XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX it was reported on both My name and spouses credit stating we owe {$290.00} despite mailing several disputes, along with our letters from the XXXX county court and Attorney General Office who both state it was paid and that neither of them are reporting to the burueas. They claim its the bureaus mistake. I recently pulled my credit and it states that this information can not be disputed again due to a fair credit act etc, So they continue to place this off and on my credit over the years and spouse. The report shows I owe {$290.00} and that its unpaid, But As you can see in the letter and I verified again with both the Attorney General and XXXX County via phone as recent as of yesterday XXXX XXXX, XXXX that this was paid and released in XX/XX/XXXX and I was told that it should not be on my credit at all unless showing that is was paid and no longer then XXXX years which would have been no later then XXXX XXXX. 
The judgment was paid and released on XXXX/XXXX/XXXX, this XXXX XXXX, XXXX is ( XXXX years ) I feel that all XXXX XXXX, Equifax and XXXX bureaus has greatly impacted my credit score by there mistake and UNWILLINGNESS to remove this or delete it despite the verification they can obtain from both XXXX County Court and Ohio Attorney Generals office collections Department. I am asking that all XXXX bureaus REMOVE this immediately from both my name and spouses. It was paid and released over XXXX years ago and taken off and on our credit, most recently placed on again.

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

Complaint narrative:
I had a XXXX account in XXXX, XXXX that I closed because I was moving out of state ( to XXXX ). I took all of the equipment less than a week prior to me moving, to the local branch that I normally dealt with and paid them in full so it would be one less thing for me to worry about, this was XXXX 2012. I never once received any correspondence indicating there was an issue until XX/XX/XXXX when it mysteriously showed up on my credit report as not being paid. I contacted them directly and they investigated and wanted me to fax them a receipt, however I told them I did n't have it anymore since it had been over 2 1/2 years and if there had been any problems with it, I should have been notified long before 2 1/2 years and it also should not have been put on my credit report without notifying me first. The XXXX representatives I discussed it with agreed with me, however they said there was nothing further that could be done beside talk to their collections department. I spoke to them and all they wanted to do was discuss payment arrangements which I explained I was not interested in because the bill had already been paid once and I had no interest nor was it fair for me to have to pay it twice. I also filed several disputes with Equifax because XXXX kept reporting it as an active debt, however XXXX currently shows it as a closed account. I explained this to Equifax in my dispute that if XXXX has it closed that they should be reporting the same. In fact, Equifax removed it but then added it back which I did n't understand, but they continue to say after each dispute I make ( I 've made at least XXXX ), that the debt is valid, however it is not and it is hurting my credit and I need it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
Seterus will not send us paper statements, they falsely put out loan in their bankruptcy department when the loan ( sold from XXXX after being bought from XXXX ) was *never* part of the bankruptcy. We have been trying for months to get paper statements or at least view them online ever since the loan was sold over a year ago. This is insanity.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I contacted Equifax to dispute Chapter 7 bankruptcy since bankruptcy is not reported by Federal Courts, I requested a signature to verify and received letter stating : " A discharged chapter 7 bankruptcy remains on the credit file for ten years from the date filed, this information was verified via XXXX '' However, no form of validation was received. 
XXXX and XXXX have both removed this item. 
Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
When I recently raised a discrimination complaint against Equifax , they retaliated with my and reinserted XXXX prior State Tax Public Records which were previously deleted and paid. These public records were not on my file in XX/XX/XXXX and were deleted by Equifax last year in 2015. This is blatant Credit Discrimination in itself towards XXXX XXXX who are trying to progress financially and obtain access to credit as other majority U.S. Citizens. I am requesting the GA State Public Records be removed from my Credit File which were previously deleted by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX is attempting to collect a debt with very little validation. I received a bill that I have no knowledge of. I believe this is identity fraud. Equifax assisted in reporting this negative account without proper investigation. 

I decided to go and do research through the secretary of state ( Texas ) as of XX/XX/2017 ( XXXX ) XXXX does NOT have an " ACTIVE '' BOND to collect debt in the state of TEXAS. This is a huge violation. 

XXXX of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Previous deleted items were added onto my credit report without prior written notification Per FRCA Section 611. All items must be removed. 
XXXX XXXX XXXX XXXX : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX : XXXX/XXXX/XXXX XXXX : XXXX XXXX : XXXX/XXXX/XXXX XXXX : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX : XXXX/XXXX/XXXX US DEPARTMENT OF EDUCATION : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: NJ

Complaint narrative:
I modified my loan XX/XX/XXXX. I have been making my regular contractual monthly mortgage payments each month since then. In XX/XX/XXXX I noticed that my web access was cut off and called to find out why. I was advised on the phone that my mortgage was 1 month delinquent. I reviewed my checking account statements and I made very single monthly payment on time. I wrote to the mortgage company for an explanation and I received the attached letter dated XX/XX/XXXX which stated that prior to the modification on XX/XX/XXXX they mistakenly applied {$660.00} to my loan. on XX/XX/XXXX my modification and new loan agreement took effect and I made my payments timely. In XX/XX/XXXX they took my monthly mortgage payment reveresed it took {$660.00} and placed {$1500.00} in a suspense account thus making my mortgage delinquent one month. They did this without ever notifying me of their actions. I am now being threatened with foreclosure for their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
Equifax is ignoring my numerous requests to investigate and remove accounts from my credit report that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I requested my complete file pertaining to certain inquiries on my credit report in accordance with FCRA 609 and FCRA 611. 
This DEMAND of documents letter was sent by certified mail on XXXX XXXX, 2016 and I received acknowledgement of receipt on XXXX XXXX, 2016. After the 30 time permitted for compliance under FCRA 609 and FCRA 611, I did not receive completeness of records pertaining to the disputed items and they were not deleted after the 30 days permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Credit Complaint Record XX/XX/XXXX Equifax - Disputed Items Account Name Account Number Type Disputed Since XXXX ( XXXX XXXX ) XXXX Collection XX/XX/XXXX (? ) N/A XXXX Collection XX/XX/XXXX (? ) N/A XXXX Collection XX/XX/XXXX Note : Page XXXX is the escalated notarized complaint to Equifax. 
Pages XXXX show that the XXXX account was removed 3 times from my Equifax report in XX/XX/XXXX! The credit bureau verifies that it is erroneous and takes it off but the company is practicing unfair reporting. Please have this permanently removed from my file. 
The XXXX additional " N/A '' accounts were payed off over a year ago and have not been removed by Equifax. 
Dear CFPB, The items listed above have been disputed multiple times since the initial date listed beside them. Attached please find the supporting documentation that shows what actions were taken through either me or through the XXXX XXXX XXXX to try and resolve these credit errors. I have attached the verified records of the credit disputes and pray that you will assist me with getting these items resolved from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.

Complaint narrative:
Hello, What is happening is that I have pulled a credit report with Equifax and I can also see my XXXX sister 's financial information including bank account details, credit reports - everything. The company filed a complaint but have said that the info can only be taken off their credit system. I 'm worried that when I apply for credit they are seeing all of my sister 's information too on every system, can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
the XXXX and XXXX accounts are not mind i sent them the letters and police report there still not removing it

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I did a move out inspection with XXXX XXXX the property XXXX of XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX. On XX/XX/XXXX I received certified mail from XXXX XXXX which stated the final billing and settlement statement and all was paid in full with the termination fee and forfeiture of security deposit. On XX/XX/XXXX I get court notice to appear in court for abandonment, I go to court with all my documents on XX/XX/XXXX and the case was dismissed. I have all documents including move out insepection which was provided in my dispute. I am sending you all the documents I provided to XXXX I dont understand with all the court documents and move out inspection why are they still reporting in accurate information. Reference # XXXX for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-18 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have been trying to have Equifax remove XXXX satisfied public records/Judgment. XXXX Credit agency has removed the XXXX satisfied judgments totally from my report but, Equifax Still holds, displays & advertises that said judgments as Public collections on the credit report. I have been trying to repair my credit but Equifax needs to remove this displayed satisfied judgment. We are looking at a satisfied judgment from 2010. I believe It has passed the statute of limitations for sometime now & needs to be totally removed from my report. Please help me with this problem. And thank you in advance for any considerations to this matter. 
Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have supplied several times forms to delete XXXX from my account. However, Due to the investigation process either Equi-Fax does n't respond or simply leaves the information on the report causing my score to be low and I eventually lose opportunities to purchase a house or car

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent a direct dispute to XXXX about a card that is on my credit file. XXXX sent me a letter stating that the delinquent account would be removed from my credit files within 30 days. However, it is still on my Equifax report. Therefore, I sent a dispute to Equifax along with the letter from XXXX showing where they stated the removal of the account from my credit file and Equifax still refuses to remove it off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Sir/Madam : I made a dispute with Equifax on XXXX XXXX, 2016 in regards to a negative information reported by All Student loan Corporation on XXXX XXXX, 2016. It reported a decrease of my credit line. I do not have a credit line with this company. I have student loans that I consolidated with XXXX and another with XXXX ; both are on forbearance. I would like the negative reporting be strike out from my credit file on all XXXX credit reporting agencies : Equifax, XXXX and XXXX. I have attached XXXX documents : ( 1 ) negative credit report by XXXX XXXX XXXX XXXX ; ( 2 ) XXXX indicating forbearance status ; ( 3 ) XXXX showing forbearance status. I can be reached by email at XXXXXXXXXXXX. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Dear sir /ma'am, My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : XXXX XXXX XXXX I want to file a complaint against the Collection agency and all XXXX credit bureau so that they can remove the unwanted / wrong collection from my credit report. 
I called XXXX on XXXX/XXXX/XXXX at XXXX XXXX and spoke to XXXX I provided her the USPS tracking numbers she tracked the package and confirmed the delivery. Then she opened the Case : XXXX to get the credit adjusted for returned devices. She told me that someone will call me at XXXX XXXX XXXX with XXXX business days and will tell me about the outcome of the case. 
XXXX tracking # XXXX XXXX tracking # XXXX Now without informing me or without sending any bill XXXX just sold it to a collection agency called XXXX. XXXX contacted me in XXXX XXXX. I explained to them about the whole scenario and the representative told me that they are going to send me a form so I can furnish all these information in written. But I never received anything from this collection agency. So without sending me any form so I could have disputed the case with them they just put it on my credit report with all XXXX credit Bureau. I am providing the address and phone numbers of all involved agencies. 
Address and phone number of collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, XXXX XXXX Address of credit bureaus XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Equifax Information Services XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax, is continuing to report a Chapter XXXX bankruptcy that was filed XXXX, the law/ statue states is should be deleted 7 yrs from the date of filing, also a Chapter XXXX bankruptcy filed XXXX, which should be deleted 10yrs from the date of filing.Equifax is violating the statue of LIMITATION on the ChapterXXXX, & the Chapter XXXX should be deleted XXXX. 
Please, review the statue, regarding bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I had an Inquiry on my credit report from XXXX, So Icalled XXXX in XXXX Texas where this Inquiry came from. I spoke with XXXX different people they ran my SS # they also ran my last name and my phone number as well. I was told they have no knowledge of any of this so I reported it to equifax as fraudlaunt and they respond with this letter within a few hours claiming it was verified.

Company response to consumer: Closed with explanation