vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax is currently allowing the collection agency XXXX XXXX to report a collection account on my credit file as an open revolving account with a Late status. Its not listed in collections its listed under other accounts. This is a collection agency that has no right to report a debt as an open revolving account. I disputed with XXXX XXXX and they state to me that i must take the dispute up with the CRA reporting the account. This is incorrect reporting and should not be allowed by a collection agencies - its unlawul practices also They are reporting this alleged collection account with a past due balance It is reporting that I pay as agreed from XX/XX/XXXX-XX/XX/XXXX Marked it as a collection account XX/XX/XXXX then continued to report paid as agreed I never acknowledged this account nor have I given them a dime- this company has unlawful practices and EQUIFAX is reporting this account inaccurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Attached is a copy of my Credit Score from XXXX/XXXX/2016. There is no reason underneath XXXX green earth that anyone should loose XXXX points due to they moved to a new address. This is the only change I have made to my credit account in the past 90 days. I am not sure why Equifax is deliberately ruining my credit. I do n't know why when I call these people they are still saying I have a mortgage I do n't have. I do n't understand for the life of me why they do this to me every 3 mos. I have filed this same complaint 60 days ago due to Equifax took XXXX points, 60 days ago and XXXX points yesterday. This is a total of XXXX points in 60 days. I am filing a lawsuit against everyone involved. I have filed numerous complaints with the consumer affairs, nothing is ever done. I have contacted Equifax on numerous occasion they just keep telling me I need to report some mortgage I do n't have. I am tired. This has caused me financial harm over the last year. I am done. I contact XXXX and the Federal Government. I have filed a formal complaint and a representative will be contacting me within 1 day. I am sending them over all of these complaints I have filed with this consumer affairs. I am sending over all of the documentations I have sent to Equifax. I am filing a XXXX XXXX dollar lawsuit against Equifax and everyone involved. Equifax has ruined my financial history due to the XXXX. I am XXXX XXXX. I am filing suit due to I am being racial profiled and racially harassed due to I moved and this was the only change I have made in the last 60-90 days. I am being financial ruined due to the XXXX and I am filing a lawsuit for racial discrimination and Equifax is failing to take responsibility for causing me financial harm

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: ND

Complaint narrative:
I attempted to obtain a credit report from annualcreditreport.com, months ago. Equifax would not mail the request due to some form of problem. I received a response from Equifax dated XX/XX/XXXX. requesting additional identifying documents. I mailed them a copy of a XXXX with my SSN and a copy of a utility bill along with a copy of their request letter. I then received notification dated XX/XX/XXXX. that I must provide additional identifying documents, like the ones I already mailed. Equifax has been provided with the best identifying information I have available and I have not been able to obtain a credit report from them, as required by law. 
I once again attempted to obtain a report from Equifax through annualcreditreport.com today. Once again I am unable to receive any report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Managing, opening, or closing account — 
Company: Google Compare Credit Cards Inc.
State: NC

Complaint narrative:
It has been an ongoing problem with Google, Inc regarding the Google Playstore credit available on my account. I have contacted Consumer Finance Bureau and filed a complaint on XXXX XXXX XXXX with the complaint number Case number : XXXX. 

To give a brief overview of what is going on, I have purchased Google XXXX gift cards worth {$2000.00} from XXXX Store in XXXX XXXX with an intention of buying Google Devises from the XXXX website. I was later confirmed that XXXX credit can not be used to buy devises and I was told by the customer service that they would add the credit to my google account " XXXXXXXXXXXX '' and then they would refund it back. 
After numerous phone calls and over XXXX different emails, I have filed a complaint with the Consumer Finance Bureau. 

I have heard a response back from Google and below is the response : " Google Inc said : Explanation of closure hank you for reaching out to my team about your Google XXXX gift cards. I understand that you meant to use them to purchase Google XXXX hardware, and are disappointed that, as described in our Terms of Service, Google XXXX balance ca n't be used to purchase hardware and ca n't be refunded. 

Due to your particular circumstances, as a one-time-only courtesy, I 'm able to refund the full amount remaining unused This refund payment wo n't cover any fees incurred by accepting it. 

If you are based in the US please complete this form : XXXX If you are outside of the US, please complete this form : https : //support.google.com/googleplay/contact/wire_form Thanks for your patience. 
" Since I have received the reply, I have submitted the requested form as stated and since then Google has been taking me for a ride. 
I was suppose to receive {$2000.00} and they reply back saying they have sent it. I have never received my {$2000.00} in to the given bank account details. 
Every time I contact them over the email, I always get a reply that they are working on the refund and their higher up team is going to respond to me. 
Even after numerous emails, I have never received the funds. All I get is a silly response that they have sent the refund but when I ask for the details, they do n't have XXXX on when they sent the refund or where they sent the refund. 

I am just getting tired of this round abouts and I am not at all getting any kind of response. 

I would really like CFPB to step in and help me know what is happening with my refund. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I pulled my credit file on XX/XX/XXXX and realized none of my accounts on my equifax report had updated since XX/XX/XXXX. I called each of my creditors showing on my report and wzas informed by each of them that the had been sending my credit file monthly to equifax. I called equifax on XX/XX/XXXX and informed them this was going on and that my file for the last year none of my accounts had updated my credit limits, balances or payment history since XX/XX/XXXX the rep informed me that she had matched up my information in their system and it would update within 24-48 hours. The following week I pulled my report again and my info still had not updated, I called equifax back on XX/XX/XXXX asked for a supervisor I was put on the phone with XXXX ( a supervisor ) she told me every account that was listed on my credit file had stopped sending them updates in XX/XX/XXXX. I informed her that I had statements from my creditors that stated my history with them that they had been reporting to equifax she informed me the only way they could update my credit file is if each of my creditors called them and they updated my file through there business dept my creditors informed me they do n't do that they only send electronic files. Equifax has refused to update my file even after sending them the letters from my creditors stating my credit limits, balances and payment history

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Date:XX/XX/2016 XXXX : XXXX To Whom It May Concern : I recently pulled a copy of my credit report and noticed the following information are in error : These are the only XXXX addresses that I have lived at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX And XXXX XXXX XXXX, XXXX XXXX And XXXX XXXX XXXX XXXX , XXXX XXXX Please remove all the other addresses off my report. They are not correct. 
I have never lived at the XXXX XXXX XXXX in XXXX XXXX, XXXX XXXX XXXX. Driver License and Proof of Residence

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I submitted an overpayment of {$4600.00} to Chase MileagePlus due to a BillPay error. The overpayment posted on XXXX XXXX 2015. Subsequent to the overpayment, I contacted the Customer Service number associated with Chase MileagePlus on XXXX XXXX and asked that the credit on the account be refunded to me. On XXXX XXXX, Chase MileagePlus issued a check to arrive within 7 - 10 business days. After 5 business days had elapsed, I contacted Chase to determine the status of my return of excess funds. I was told to wait the full XXXX business days before contacting Chase again. On XXXX XXXX, I contacted Chase MileagePlus Customer Care again to determine the status of the refund check. At this point, the Chase Customer Service representative I spoke with advised me that the check should have arrived within a few days of issue due to the proximity between their check printing office in the XXXX and XXXX. The Chase representative advised me that a Stop Payment should be placed on the check and the refund could then be processed via EFT within a couple of business days. On XXXX XXXX, I contacted Chase Payment Services to determine the status of the Stop Payment and was told that it would take 7-10 business days for the Stop Payment to be processed before a XXXX refund check could be issued. I advised the Chase Customer Care staff that this is unacceptable and asked what other solutions existed. The account manager XXXX XXXX advised me that no other solutions were available despite being advised of the conflicting guidance of multiple customer service representatives I spoke with. As I am sure the CFPB is aware, JP Morgan Chase has multiple options at its disposal to rectify this situation, which it is choosing not to deploy despite taking in excess of 30 days to refund a {$4000.00} overpayment. Most Americans would not be able to juggle such a balance in transit without considerable cost and hardship. This type of behavior is unacceptable on a number of different levels for customers who are attempting to maintain clean, solid credit histories and are asked to provide payments on-time regardless of mail service issues. Yet, credit card companies such as Chase do not hold themselves to these same standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
I vie in my credit report a account it not mine and a name I never use or know.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Attempted to collect wrong amount. I never had the services for the above said amount {$73.00} from XXXX XXXX XXXX and it is misleading me by having in collection folder makes uncomfortable. Please help me It was removed from collection, again inserted. 
Because of this my credit score has been drastically gone down. Please help me asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax has placed an erroneous collection ( s ) on my credit file involution of the FCRA and XXXX identified as XXXX REPORTED ON XXXX XXXX, 2016 OPENED XXXX XXXX, 2016 with no account number nor a point of contact for this debt. THIS IS NOT MY ACCOUNT AND I DEMAND THAT IS REMOVED! 
I believe this is a form of retaliation for filing my complaint ( s ) with the Bureau of Consumer Financial Protection. I have incurred damages from the constants negligence from denial of credit and having to pay for fraud protection from a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I 'm filling a complaint against Equifax about information on Public Record and collection.I want dispute an error with Equifax showing that I have a tax lien with IRS. The reference number XXXX, filled XXXX XXXX 2009, amount {$5300.00} federal. This federal tax lien was paid off and cleared. I have information with attachment. I want this information removed from public record now. Plus. In Equifax collection they are showing that late billing with XXXX XXXX XXXX I was late with payment. It also showed that XXXX XXXX XXXX collection agency. I paid that bill in full at XXXX XXXX XXXX billing office in XXXX, Arizona that month of billing cycle.I want this remove from my credit report now

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XX/XX/XXXX i traded cars at parks XXXX of XXXX nc located XXXX XXXX XXXX.i tried again XX/XX/XXXX and told them to only run mycredit with XXXX XXXX and no one else.i late checked my credit reports andfound that they had ran my credit a numerous other places and brought myscore down approximately XXXX points.i called them and asked them to removethe unauthorized inquiries and was told they could n't do that and the creditbureaus would not.i would like them to remove ALL of their unauthorizedinquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Every time I checked my credit report, it stated " delinquency payment ''. 
As far as I know, It disappears that records after XXXX years which already passed for XXXX year. 
I am requesting to investigate this matter to improve my credit score. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: WI

Complaint narrative:
I am the personal representative for my fathers estate. Seterus is telling me it will take 8 days to verify that I am the responsible party before they will give me the payoff information. It will take up to 8 days after that for them to process the payoff. I need the payoff by XXXX XXXX for the real estate to close. I have been trying to get the payoff since XXXX/XXXX/2015

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 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 information that is on my credit report this does not belong to me ... the address XXXX XXXX XXXX XXXX, MD XXXX and several accounts XXXX XXXX XXXX XXXX XXXX XXXX, XXXXThese accounts need to be removed asap I have filed police and ftc reports regarding this issue. Police ReportXXXX Report number : XXXX Officer Name : XXXX XXXX XXXX # XXXX XXXX police department

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
In XXXX I purchased a property IN FULL, IN CASH from XXXX XXXX. According to the XXXX XXXX in MA, XXXX XXXX could not legally sell me the property, because they had not yet correctly completed the Foreclosure process. I was issued a Cert of Title declaring the property free and clear, but as it turns out it was not. I have lost tons of money, and my family is suffering greatly over this matter. WF lies and denies involvement in the matter on paper. I possess a written declaration from XXXX XXXX from the WF Ex Office declaring that WF has never, nor do they now have any stake in this property. ( Please see attached " Answer of MERS & Wells '' doc provided to prove this is a lie ). I need help in recovering my losses over this property. Can someone PLEASE HELP ME and my FAMILY! PLEASE! 
" All of this arises out of the MA Land Court 's spring XXXX decision in XXXX. The decision was affirmed by the Supreme Judicial Court in XXXX. The effect of the decisions was that foreclosures had not been done properly. 

The initial foreclosure in this case was done around the time of the Land Court 's decision in XXXX. The lender realized that it had a problem and then attempted to remedy the problem by re-foreclosing. 

When they re-foreclosed they did not do so in the name of the grantee on the initial foreclosure deed. 
The following explanation makes it defective. 

The mortgage was assigned on XXXX/XXXX/XXXX - the date that the assignment was executed. 

The first publication was on XXXX/XXXX/XXXX. Therefore the foreclosure was defective and the mortgage passed to XXXX XXXX, as Trustee under Pooling and Servicing Agreement dated as of XXXX XXXX, XXXX Securitized Asset Backed Receivables XXXX XXXX XXXX Mortgage Pass Through Certificates Series XXXX. 

The subsequent foreclosure was conducted by XXXX XXXX as Trustee instead of by XXXX XXXX, as Trustee under Pooling and Servicing Agreement dated as of XXXX XXXX, XXXX XXXX XXXX XXXX Mortgage Pass Through Certificates Series XXXX. '' - XXXX XXXX, XXXX XXXX, XXXX, Title Insurance Lawyer representing XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: AL

Complaint narrative:
Rent Recovery Solutions has been showing duplicate collection items on my credit report and will not remove the duplication. I have filed disputes with all credit bureaus and Rent Recovery continues to state the debts are valid. I have never received any statement from this company as to the debt owed and can only say that I did live in XXXX XXXX XXXX at one time and rented XXXX unit. There is absolutely no way that there should be XXXX identical items on my credit report and there should at least be some communication in writing showing what the debt is. This appears to be a very shady company, but I want the duplicate item in my credit reports cleared immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AmeriCollect
State: TX

Complaint narrative:
XXXX XXXX for debt validation I have had my rights as a Texas consumer violated and ignored. I sent Americollect Collection Agencya debt validation letter to confirm this debt is mine and they ignored my request. Under the current law,30 days should be enough time to validate such requests. I mailed the above named company I letter on XXXX/XXXX/15, they received and signed for the letter on XXXX/XXXX/15. They violated my request in 2 ways. 1, for ignoring my request, and 2, for continued attempt to collect on this debt by actively reporting to the XXXX major Credit Bureaus XXXX. There is plenty of supporting case law to back this claim up, that actively reporting to the bureau 's is in deed a form of debt collection. I have not received any info from this collection agency to prove I owe this debt. I find it malicious, and I feel I have been taking advantage of by Americollect Collection Agency and I would like this collection removed and deleted from all XXXX credit bureau 's. I have uploaded supporting documents to help prove my case. In XXXX of my uploaded documents, Americollect claims that I mailed them some sort of document in XXXX and in XXXX of this year. This is false. I disputed this debt with the credit reporting bureau 's previously this year. I disputed out online and each time I never received results, or any type of document to prove this is my debt. That is why I physically drafted my own debt validation letter and mailed it to Americollect because I 'm tired of being taken advantage of. Also in the Americollect response letter I uploaded, they ignore my resolution. I feel they do not get a XXXX chance to to validate this debt. I gave them XXXX chances already this year, and I was ignored. I 'm trying to take the responsible approach to handle this debt, and they are treating me unfairly. They as a company need to respond in a timely fashion to my debt validation requests, not when they feel like it, or when I have their attention with this complaint in fear of legal responses. Also, they state they mailed me documents in response to letters I allegedly sent them earlier this year. This statement is false. I never received anything. Please show me XXXX slips that I signed and received they 're letters? If you ca n't furnish such proof then I 'm not sure what to tell you. But I think it is a lie to cover up something. Please delete the reporting of this debt from the reporting bureau 's.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation