vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-01 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK
State: TX

Complaint narrative:
Before I had an unwelcome guest in my home removed by police on XXXX/XXXX/15, he stole my Discover credit card out of my wallet, without my knowledge. He proceeded to use it for 4 days and charged up over {$800.00} dollars. I did n't know the card was gone until I received a call from Discover asking about fraudulant charges. I said it was fraud and they told me to file a police report, which I did. I spoke to the detective twice and told him the situation, then I never heard back from him at all. I received no information unitl I got a bill from Discover showing the fraudulant charges were added back onto my account. I called and their fraud investigator told me that the police determined that I gave the thief my card to use so I was liable for the charges. I had no opportunity to dispute the claim and ultimately had to pay for the charges so that my account would not be overdrawn and affect my credit score.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-28 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Acquired a Capitol One Venture Card for trip to XXXX 6 or so weeks before the travel. 
When the cards arrived we called to inform them of the specifics of our travel, and requested a pin number which arrived by mail shortly. We called to change the numbers ( I believe this was automated ). 
On arrival in XXXX, we could not get cash with our pins. We did get one or two uses of the card, and then it was blocked. No call was received as is usual on our cell phone, nor on our home number when I had a relative check. As we had a back-up card and bank debit card, we switched to that use rather than incur the cost of phone calls to Capitol One. Calling today, Capitol One did not have the travel times, nor the cell number and claimed our home number was out of service ( a relative was here ). 
So, consumer beware. 
( What 's NOT in my wallet? )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I disputed several inaccuracies in the information reported on my Equifax credit file, and the information was reported as verified. However, simple examination of the information reported makes it obvious that the information reported is incorrect as the timeline does not make logical chronological sense. Please correct the errors as they are reported. I am not disputing the accounts as to not to belong to me, I am simply the informational timeline as being inaccurate. 

1. XXXX XXXX Last Payment was XX/XX/2009 and not XX/XX/2009 as incorrectly reported. That makes the date of first delinquency to be XX/XX/2009 2. XXXX The date of last payment is missing completely from the credit report. It should be corrected to read as XX/XX/2009 and the date of first delinquency occurs 30 days later which is XX/XX/2009. 

3. XXXX Just as the account above, the date of last payment is completely missing. It should be corrected to read as XX/XX/2009 and the date of first delinquency occurs 30 days later which is XX/XX/2009. 

4. XXXX XXXX of XXXX {$290.00} The date of last payment listed here is incorrectly listed as the same date of First Delinquincy. These two dates ca n't be the same. It should be corrected to read as XX/XX/2009 and the date of first delinquency occurs 30 days later which is XX/XX/2009. 

5. XXXX XXXX XXXX {$5300.00} The date of last payment listed here is incorrectly listed as the same date of First Delinquincy. These two dates ca n't be the same. It should be corrected to read as XX/XX/2009 and the date of first delinquency occurs 30 days later which is XX/XX/2009. 

6. XXXX XXXX {$3600.00} The date of last payment listed here is incorrectly listed. It should be corrected to read as XX/XX/2009 and the date of first delinquency occurs 30 days later which is XX/XX/2009. 

All of the above accounts became delinquent in the same billing cycle of XX/XX/2009 as the last payments for all of my accounts were paid in XX/XX/2009. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax continues to report fraudulent & unverifiable accounts on my credit report. There are XXXX XXXX XXXX accounts which I 've disputed with them numerous times, requested the method of verification & additionally sent a XXXX letter to the data furnisher requesting a signed contract/agreement. Neither the data furinsher nor Equifax have provided me with a signed contract of my obligation but they continue to claim this has been verified. When reviewing my file here are some facts which question the integrity of their investigation. The address linked to these accounts is not mine. I 've requested it be removed 3 times but they continue to verify it. Secondly, when I ask them to verify it they always pass the buck & say it 's the data furnishers responsibility to update their records. This is public information which is damaging my name & reputation & I 'm unable to get any financing due to the nature of this issue. This matter is also causing unwanted emotional & financial stress & I 'd like these unverifiable accounts removed immediately. If Equifax continues to claim they 've verified these accounts again without a deeper investigation I will be filing a lawsuit for violations of the FCRA. Please resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Consumer Financial Protection Bureau, I am very excited to have found you and know that you will be able to help my situation. 

Right now, my husband and I are closing on our house on XX/XX/XXXX ( 14 days from now ). When we obtained an updated copy of my credit report, I noticed that there are 90 day late payments on my XXXX student loans that are being serviced by XXXX. Acct # XXXX. 

Additionally, they are reporting an " Account Status '' as " Currently 90 days late ''. 

Attached is a faxed document from XXXX showing clearly that my account is current and NOT 90 days late. 

My experience in legal matters is extensive in knowledge of the Fair Credit Reporting Act. The Act specifies prohibited practices in the payment reporting guidelines. There can not be a 90 day late payment unless there is also a corresponding 60 day late payment and a 30 day late payment ( credit report attached to this investigation request ). 

I request that Equifax remove the illegal 90 day late payment history for XX/XX/2017 for all XXXX of the XXXX accounts # XXXX. 

Thank you VERY much.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax has failed to respond to my initial dispute dated XXXX XXXX, 2015. After contacting them a XXXX time on XXXX XXXX, 2015 they also failed to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX is reporting incorrect information on my credit report. Per my conversation with this company, they were supposed to update their information to reflect account was paid. It is still open on my credit report and not showing that it was paid in full according to their terms that were offered. 
I was told that if settled that this item would be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hi, I just attempted to obtain a free copy of my credit report from Equifax online, using the official website listed by the FTC ( XXXX ). I was able to get to the Equifax free report website and provided all the requested information. Without any explanation ( i.e., no message that my information was incorrect ), the site directed me to fill out a paper form and send it by traditional mail. The paper form required a lot of additional personal information that is not required for obtaining an online report. By doing this, I believe that Equifax is attempting to circumvent the free online service that it is required to provide. Please look into this issue. 
Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
At the age of XXXX my husband was laid off from his company. He continued to work at XXXX to make ends meet. At age XXXX he was diagnosed with XXXX XXXX XXXX. He was unable to work. We repeatedly called to ask if we could lower our payments. Navient said no but we could do a forbearance. At the time the loan was approximately {$45000.00}. Everytime our forbearance was up we ask for a lower payment. They said no we can only do a forbearance. At one point I tried to pay interest only but could not do that with medical bills, prescription costs, etc. At age XXXX we called again and were told no, ... .the only option available was forbearance. Meanwhile at 10 % interest the loan is well over {$70000.00}. There is no way that we can ever pay off that amount. Now we are receiving calls from multiple companies to " help '' us pay off the loan. I have read that these are scams. I ca n't sleep at night because I know there is no way we can ever pay if off. If we do n't I have read that they can take everything. We do n't have much but what we have we have worked hard for when we were younger and would like to keep. I was never notified that Navient would be our loan servicer until after it happened. I am extremely upset and wondering what to do next.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: VA

Complaint narrative:
I refinanced my home XX/XX/2016. Prior to refinance, my routine was submission of payments bimonthly and routinely paid more than monthly payment. After refinance, I maintained my routine. I noticed immediately after refinance that the additional payments sent were being placed in an account labeled unclaimed funds. Immediately when I notice this, I called and demanded why the additional payments were not being applied to principal and was told it would be fixed. It continued. I called again requesting why the additional money being sent was being held and was reassured again it would be fixes. It continued in total for 8 months. I have written multiple times, my emails go answered. I call customer service and I am told different things each time I call. Due to the prolonged time of resolving the issue and the inconsistency of things being told o me by customer service, I contacted XXXX and the federal housing inspector general. I have now had my capability of writing emails on their intranet disabled, I have been told that someone will follow up with me and they have not and now my end of year statement is incorrect

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My complaint is in regards to inaccurate information in my credit report. I am a victim of medical identity theft. Someone have obtained medical services using my name. The health record that XXXX maintains about me is include information that is wrong and actually about someone else. I have contacted XXXX and they have removed that information. I am working to identify the effects of the medical identity theft and remove inaccurate information from my file. I have reported the problem to the police, filed an ftc identity theft report and mailed copies of my ID and SSN to Equifax fraud dept. When i tried to get in touch with someone over the phone about my problem, I was only convinced to buy a monitoring product that will resolve my problem. Equifax recently updated the account as verified. After receiving and reviewing the results of recent disputes sent to you. 

I have contacted XXXX again and they do not have record of any debt.So i am not sure what method Equifax is using to validate the debt. It seem they just want to give me the run around. I have file a police report and FTC identity theft report and did n't have any issue removing it from other credit bureau. 

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notice to all businesses that supplied this information. The Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the business that sent you that information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit report is showing a vague public record owing {$920.00}. This information is inaccurate and the information does not belong to me. I have tried to dispute the information in the past including obtaining a police report for identity theft and and the information is still showing on Equifax report however no other bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
This complaint is against Equifax I have contact Equifax on a number of occasions of an abnormality with my credit report. It appears that XXXX different credit profiles switch back and fourth. XXXX profile showing none of my active accounts and the other showing all my accounts. 
I spoke with an FCRA attorney, the term is called " split '' profile. Meaning, I will see XXXX credit report, creditors will see another ( or in my case XXXX ). For a number a months I have disputed this requesting Equifax to fix this - however, I will get the same automated response by them sending me a new report with no new information updated or stating that the information I am disputing are not reflecting on my credit report. 
I have attached the XXXX credit reports that reflect what I am speaking of. 

This irregularity has caused me not to be granted credit - not able to see what is going on with my credit report and dispute its inaccurate information. 
There are a number of inquiries on my credit report that I did not authorized - I have already contacted each credit granting company on my report with no resolution - and I keep getting denied by Equifax and not showing proof that I authorized those inquiries. 

I would like to add, according to the FCRA attorney these mistakes that Equifax has caused me calls for compensation for my time and effort and violations that they have caused for not fully reporting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
My credit report shows VA XXXX XXXX from an original date of 2006. My wife did n't live in VA and I do n't owe this money to the state, I have mailed validation letters to the address on the credit report for VA XXXX and the post office returned it stating not able to deliver address not found. So how can they verify this and leave it on my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I recently opened a checking account at chase with a opening deposit of {$1500.00} XX/XX/XXXX for a promotional credit of {$300.00} after a direct deposit. I fullfilled the requirements and received the {$300.00} credit to my account. My checking ATM card stopped working the two weeks ago and I could not log into my account. 

When I called, I was notified that my checking account was closed on XX/XX/XXXX. No reason was offered for the account closure after speaking XXXX people at the XXXX number and at my local branch. They also notified me that they would only return {$1200.00} in my account and was revoking the promotional credit I had earned. As of XXXX weeks and XXXX days, my funds have not been returned to me and I did not even receive a formal notice of account closure. 
I believe Chase systematically closes acccounts and holds customers funds hostage for excessive amount of time with no reasons offered after a cursory XXXX search on the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
THIS DEBT FOR XXXX HAS BEEN RESOLVED PER THE XXXX. THE DAYCARE DID NOT FOLLOW THE PROPER BILLING PRACTICES AND PLACED THE DEBT IN COLLECTIONS. THE DEBT WAS ALSO PLACED ON MY BANKRUPTCY TO BE REMOVED. IT HAS NOT BEEN REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I have been unable to update/view my credit report online with Equifax, I pay a monthly subscription for their service and have been unable to view/update my report since XX/XX/XXXX. The following error message is received, Eval Code : - Status Code : XXXX, Reason Code : XXXX. I spoke to several reps, they said it was a technical issue and would be fixed but it is now been three days and still unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
This is the second appeal regarding our mortgage at XXXX and Seterus. After two years of losing docs from us and then losing our file and delaying our efforts at foreclosure and/or deed-in-lieu, Seterus now claims they ca n't foreclose or grant us a deed-in-lieu or a modification because they " just discovered '' a lien on the title. Our loan had been sold and resold from XXXX to XXXX to Seterus, the last one, XXXX to Seterus, with XXXX failing to file a reconveyance. So, XXXX still can claim our title and Mortgage? Except now XXXX is out of business and someone from that 'out of business ' company may still have the original legal mortgage that my wife and I signed. How did Seterus " buy '' it without clear title from diligent professional title check? This started when XXXX and my wife and I being hit with XXXX bills and asking Seterus for help. Are we being conned or played by unscrupulous real estate/mortgage gimmicks?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
I have allot of inquires on my credit report because i was shopping for an auto loan i feel they need to be lumped together but they never where and its impacting me in a negative way.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Credit Bureaus need to be held accountable for their neglect and I want violation penalties accessed and awarded to avoid additional litigation and hardship that will be placed on the courts and myself. These are the only adverse items on my credit report and it has caused me extensive damage and financial hardship. Despite Federal / State law and numerous request for the credit bureaus to delete and disregard the negative items and balance owed on all accounts reported by XXXX XXXX Bank previously XXXX XXXX Bank they have refused to comply. Litigation Case XXXX XXXX XXXX XXXX XXXX. The Judge ruled against bank for possible Mortgage Fraud, all payments and funds are held in XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have never lived in New York which is the latest address reported on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Although Equifax claims to have investigated an earlier request to block items from credit profile, I have yet to receive confirmation of blocked/removed items. The prevailing belief is that Equifax is not properly meeting its due diligent requirements. For instance, the organization is content to parrot " XXXX '' data or subcontract its due diligence to a third party vendor. Moreover, there is no supporting evidence-indicating possession of goods, services or money ( received by me ). Contrary to other credit reporting agencies ; i.e. XXXX, XXXX and XXXX, despite an abundance of evidentiary documents, Equifax has refused to block/remove select derogatory items and continues to report unsubstantiated data. 

Appropriate identity theft affidavits, police report and signed ( earlier notarized ) documents were properly executed and forwarded to your organization. Thus, the expectancy is this would allow completion of affirmative action ; i.e. block negative reporting items. More importantly, in an effort to clear self of an errant and unsubstantiated credit profile data, I seek CFPB assistance. 

Because Equifax has a systemic history of non-compliance and FCRA violations, I have little confidence in agency efforts. Thus, in preparing a formal judicial complaint, I seek ( and encourage ) appropriate corrective remedy to include removal of the following trade lines : XXXX THIS IS NOT MY ACCOUNT XXXX THIS IS NOT MY ACCOUNT XXXX THIS IS NOT MY ACCOUNT XXXX THIS IS NOT MY ACCOUNT XXXX THIS IS NOT MY ACCOUNT XXXX THIS IS NOT MY ACCOUNT

Company response to consumer: Closed with explanation