vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
THIS ACCOUNT IS A fraudulent ACCOUNT please removed XXXX ACC # XXXX Please update my phone number XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 

Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07 00:00:00
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: DISCOVER BANK
State: FL

Complaint narrative:
In XXXX XXXX, I had a XXXX XXXX. Subsequently, in XXXX XXXX my business failed. I had a large number of credit cards. and all worked-out five year repayment arrangements except my Discover business credit card, on which I subsequently defaulted. I was told that Discover would not work out repayment until it became a " charge-off. '' I am writing to DISPUTE the manner in which XXXX, XXXX and XXXX are reporting the " Charge-Off '' by Discover Card. I have been making payments of {$200.00} per month since XXXX XXXX -- - nearly THREE YEARS. Yet it appears that it is being reported and scored basically the same as if I was making no payments at all during this time period. There is something inherently unfair in the manner in which XXXX, XXXX and XXXX are reporting, and scoring, this debt. The failure by the credit reporting agencies to report my monthly payments, and adjust my credit score to reflect my good faith efforts to repay this debt, is a VIOLATION OF THE FAIR CREDIT REPORTING ACT, as the information which these agencies do choose to utilize is both inaccurate and incomplete under the meaning of FCRA. 

I am being substantially harmed by this greatly inflated negative information on my credit report. In Florida, where I live, credit scores are used by condo associations to EXCLUDE buyers from purchasing condos. I can not find an affordable place to live because of this negative information and its effect on my credit scores. 

I do understand why Discover chooses to report in this manner, as it provides them leverage to attempt to accelerate repayment arrangements. I know this because Discover has contacted me repeatedly to pay more so my credit report will improve. But my making monthly payments for almost three years is not equivalent to a " charge-off '' where the creditor has given-up the expectation of any repayment. And, therefore, XXXX XXXX and XXXX reporting is both inaccurate and incomplete. The {$200.00} monthly payments to Discover Card per my written agreement with Discover Card should be reported the same as monthly payments for any other credit card. Once I began monthly payments, this debt to Discover Card was no longer " charged-off. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: ORG GC GP BUYER, LLC
State: WA

Complaint narrative:
Collection agent called, attempted to gather information multiple times and refused to identify herself or the purpose of the call when asked multiple times. Finally gave her name and company after the third time I asked, but never informed me of the purpose of the call. When I informed her that I am aware of the requirements to identify herself, the purpose and inform me of the call being recorded she hung up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-05 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Pending Company Match
State: MI

Complaint narrative:
I sent XXXX principal payments to UBS Mortgage, serviced by XXXX NJ ( the mortgage servicer for my UBS Mortgage ) on XXXX XXXX, XXXX, XXXX and XXXX, 2015, totaling {$110000.00}. As of today, XXXX XXXX, 2015, they have misapplied each payment and have not accurately reflected {$76000.00} of payments. I have called and e-mailed multiple times and I have been promised that my case was escalated and would be corrected soon. I spoke to XXXX Client Service representatives today, and I asked for a supervisor. I was told that they can not connect me with a supervisor, and I could be put on hold to wait in the " queue ''. After 1 1/2 hours on hold, I hung up. There is no physical address to send a complaint to, only XXXX and XXXX as the consumer 's customer service line. I have sent multiple secure e-mails, with a standard response that they will correct the misapplied payments " as soon possible ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-05 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Machol & Johannes, LLC
State: TX

Complaint narrative:
On XXXX XXXX I had a lump sum {$1000.00} taken from my checking account from Machol & Johanas LLC. I was never notified of a judgment entered against me in XX/XX/XXXX for a balance of {$2000.00} that was owed to the University XXXX XXXX After being left without a dime in my account I was advised that I owed them {$11000.00} and that unless i entered into a payment plan wiht them they would continue to withdraw my funds. When I asked them what all of this was about and how I was i never notified, i was forwarded a letter that they claimed was served to me in XX/XX/XXXX at an address that I no longer resided at. She did not care simply said that they did have record that the notice was served. So now i dont know what to do ... Im a single mother paying this company {$100.00} a month for a balance that isnt even on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: ME

Complaint narrative:
There is an address on my credit report where I have never lived., XXXX XXXX XXXX, XXXX XXXX XXXX , Me, XXXX. There is an incorrect birthdate on my credit report of XX/XX/XXXX. /There is an incorrect spouse named XXXX on my credit report and I have been divorced since XX/XX/XXXX and also he is dead. There is an incorrect social security number of XXXX on my report. There are several Misspellings of my name due to typing errors that I want removed. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. wrong phone numbers on credit report. XXXX, XXXX, XXXX.

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 non-monetary relief
Consumer complaint received 2016-10-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have previously submitted a certified letter on XXXX XXXX XXXX which was received and signed for on XXXX XXXX, XXXX and on XXXX XXXX XXXX requesting that a dispute be initiated for a XXXX # XXXX account which is reporting inaccurate information on my Credit Report. The following is a list of inaccurate, incomplete information still contained in XXXX XXXX # XXXX account after the dispute. 
1. Account opened on XXXX/XXXX/XXXX and no payment history is reported from XXXX XXXX. 
I have previously disputed this account and as of the last update the account still contains the inaccurate data. Enclosed is a copy of driver 's license, copy of the reporting of the XXXX XXXX # XXXX account, Copy of the Certified Letter sent on XXXX XXXX

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 2015-05-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Recently, I have checked my credit report and found XXXX negative items in relation to a 1 year lease with the XXXX XXXX. There are XXXX amounts of {$3500.00} and {$4400.00} in collection with the XXXX XXXX XXXX. I fulfilled all my lease obligations with the XXXX. My monthly rent was {$980.00}. The same building complex was hit with XXXX Code violations by the City of XXXX in 2011. By the way, they have changed their name to Sphere now. The building is still violating housing rules and regulations. I want these items removed from my credit report. I do n't owe them, and they have not returned my security deposit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: DISCOVER BANK
State: VA

Complaint narrative:
Over the past couple of month, I have made several purchases of various electronics and other health related items. Discover is/was offering a promotion where they stated that customers would receive a 10 % reward bonus for using their XXXX account when making the purchase with their Discover Card. I was just sent an email today informing me that I would not be receiving this 10 % reward bonus even though it was specifically stated in the terms that it would be awarded. I called their XXXX number and was told that they thought that I purchased gift cards because of the dollar amounts. I did not purchase any gift cards with this promotion. They still refused to award the points and said that I could send them receipts. This seems ridiculous considering that these purchases were from two months ago and some of them have some private information on them, including various medications that my family members are currently on.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Background screening for lease on new house turned up someone else associated with my social scurity number on credit check.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: MA

Complaint narrative:
One two separate occasions XXXX and XXXX my escrow payment increased. These increases caused my payment to have shortages. 
XXXX Issue : When this happened in XXXX I sent in the shortage amount and it was received before XXXX, but the offices were closed for the XXXX holiday and not credited to my account. This triggered a computerized non-payment ( 30 days past due ) process, because it was not in the full amount. All XXXX of the major credit bureaus were given negative 30 days past due remarks. I eventually got a supervisor from Freedom Mortgage to fix the problem and sent me a letter that the credit bureaus were notified to remove the negative remarks. Fast forward to XXXX and the XXXX 30 days past due is still there. I only noticed because once again something similar occurred. 

XXXX : Similar situation, escrow increase, I adjusted my scheduled payment for the wrong month. I did n't realize anything was wrong until I got the financial hardship paperwork, I was confused since I made all my payments. I called them immediately and they said I was short on a payment ( {$120.00} ) and they did not credit any of my payment. I was told it would not be marked late if sent in the shortage right away. I did this and obviously that was not good enough and I was marked 30 days past due ( even though they assured me I would n't get marked late with credit bureaus ), then I got hit for 31-59 days past due because they were just holding 2 months worth of payments and not crediting my account. I spoke CS everyday Mon-Fri during the month of XXXX. I was sincerely trying to deal with this problem, I even sent in the shortage amount again during the month of XXXX, which seems to be an over payment. I waited the entire Month of XXXX to get in touch with a supervisor, calling every other day with no luck. They called my house phone once while I was work even though I specified them to call my mobile number. For the last 2 weeks in XXXX, I never got a call back from a supervisor to address these issues. I was told it would take 2-3 business days by a CS rep eventually, but that never happened. There 's no way to call back a supervisor and every CS rep has a different supervisor so you have to go through the front line ( and the long process ) every time you call in and hope that a supervisor is available ( never ), or will actually call you back ( not likely ).

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 2015-09-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax has me living at XXXX different XXXX, PA address. I have NEVER lived in XXXX, PA. So whatever collection is associated with this address should be taken off. 
Equifax XXXX reported an account from XXXX thru XXXX XXXX dated XXXX XXXX, XXXX in the amount of XXXX. I have n't had a XXXX account since XXXX. 
XXXX reported XXXX Insurance dated XXXX XXXX, XXXX in the amount of XXXX. I dropped XXXX Insurance in the year XXXX. In fact last year I received a XXXX refund thruPA Unclaimed Property. The XXXX XXXX XXXX XXXX for XXXX was paid this week. 
I tried calling Equilfax but was unable to connect because I did n't have a equilfax report number.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Avant Credit Corporation
State: SC

Complaint narrative:
I contacted Avant Credit after reading about them on a divorcing mom 's blog on XXXX XXXX 2015. I am mom who fled a domestic situation in Florida with my XXXX year old daughter, who was XXXX. I moved to a new apartment and needed help getting essentials so that my daughter and I would not be sleeping on the floor. I got the application online and filled it out. Someone called me withh in 15 minutes and said that I qualified for the loan and just needed to provide financial information to show that I could pay back the money. I provided pay stubs, and bank statements. I went back into the program to sign my contract when they said I could, but it would n't work. I spoke to the same rep and she said that I spelled my last name with an L instead of an I. I thought that was strange. She told me to sign it with the L and everything would go through. From there I was contacted and harrassed for maybe XXXX times for financial information, resigning contracts for the same loan, and given empty promises that the money would be deposited into my account. The XXXX time the money was supposed to be deposited, I received an e-mailed letter from Avant stating that the money would be deposited into my bank account ending in XXXX .... I contacted them and told them that the number was wrong. I assured them I double checked it and know that i entered the correct information. ( I have XXXX emails supporting what I am saying including the many times they asked me to resign the contract. ) They said that they had to hold my loan until it was returned to them within 3 days and that then they would deposit the money into the correct account. On the XXXX day, they asked me for a voided check for my account so that they could correctly deposit the money. I sent that information to them. 
They said someone would get back to me by the end of the week. Monday rolls around and no money and no call. I called them, they said they received my information and they money would be deposited the next day nothing. Finallly, I went to my bank to see if they had attempted to put any money into my account. The rep there said there had been no attempt. Then, she checked to see if money had been placed in the account with the " mistaken number '' in it. She checked and said that the account number did n't even exist. Then she told me to call them and tell them that she would wait while they deposited the money. The young man, claimed there was an IT problem on their end and said the he would ge to the bottom of it, Friday, and call me on Tuesday. I told them I knew that the wrong account number was false and that I intended to report them to you. They have all of my financial information, including my checking accounts, social security number, bank statements, addresses, etc ... Please help. Oh, and I never got a call back and they never deposited the money. It is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
My mortgage company is returning my payments and did not credit a payment made in XXXX 2016, I had tried to refinance from a HAMP loan to a HARP loan and found a credit card judgement set against me and a lien placed on my home. The credit card debt is n't even mine. I am now in default on my mortgage because they are returning my payments and are accessing late fees, they want all payments up to date plus late fees. First, I thought it was illegal to place a credit card lien on a HAMP loan, is that true?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Freedom Mortgage Company
State: LA

Complaint narrative:
Our house was affected by the flood in XXXX, la on XX/XX/2016. We have flood insurance, filed a claim with our flood insurance provider, indorsed the check that was issued, and sent it over night to our mortgage company. The mortgage company advisors/employee 's advised that I was not able to self contract the work even though I have friends that are certified contractors who were willing to help me without charging. They stated several times, that I could submit a letter to corporate, but I was basically spinning my wheels. I have all paid receipts for the material, and have approximately XXXX % of the work completed inside of my residence. I would like to have an inspection, and the insurance money in which I have paid for to be issued to me and my fianc in order to replenish my bank account.

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 2015-11-25 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Had funds taken out of my acct that were not supposed to be from my account. Saw the check withdraw of {$630.00} called and after a 20Min call was told bank mistake would try to credit account would take up to 48 hours. Later that day curious checked my acct to find that my acct was not credited but again debited another {$630.00}. Called talked w XXXX acct customerService and was told hopefully can credit acct tomorrow but wo n't find out until tomorrow what? The second charge was pending just reverse was told could not so now I am waiting on XXXX credit! Help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: BMO BANK NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I 've been a diners club card holder for about 10 years. A few years back, I stopped using the card. When I moved a year ago, I changed my address with what I thought was all of my accounts, but I missed Diners Club. Since I was n't using the card regularly, I did n't get statements, and so nothing was forwarded from my old address. Then, Diners Club charged me an annual fee on the account. I never received a statement, or an email ( my email address was current with the company ). I only noticed something was wrong when I checked my credit report, and they were showing me 90 days past due for XXXX {$100.00}. When I called them, I discovered it was because of an annual fee. Despite saying they would fix my credit report, it 's still showing the past due at all three bureaus after three weeks. It 's unconscionable that credit card companies can tarnish your credit report simply because you did n't pay an annual fee -- I can understand closing the account, but to be penalized for years because of an unpaid annual fee is ridiculous. What is your credit score supposed to represent? I 've got pristine credit with nearly XXXX accounts over the past 25 years. It should be illegal to report to the bureaus just because of an annual fee.

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