vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-30 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK
State: AL

Complaint narrative:
Over the past two days, I have received no less than XXXX letters from Discover Bank Customer Service saying " We were unable to verify the identity of all Account holders ; therefore, we were unable to open your new Discover Account. '' I have never tried to open an account with Discover. All the letters say the same thing and are dated XXXX XXXX, 2016. I have called Discover at the number listed on the letter, XXXX and they said to get in touch with the Credit Bureau. They could n't give me any more information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Incorrect/missing disclosures or info — 
Company: DISCOVER BANK
State: CT

Complaint narrative:
I submited a fund transfer from my Discover online checking account to my XXXX bank. The confirmation stated that " Deliver By : XXXX/XXXX/2016 ''. However, the fund became available on XXXX/XXXX/2016. I have check which is returned due to insufficient fund on XXXX/XXXX/2016 in XXXX. If the fund was available on XXXX/XXXX/2016, the check will not be returned. The " Deliver By : XXXX/XXXX/2016 '' is misleading. Also, even if it means the sent date, I believe the fund will deliver to XXXX the next day according to XXXX. So XXXX can credit to my account on XXXX or XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: MS

Complaint narrative:
Tornado hit my property on XX/XX/2015 in XXXX XXXX, XXXX . XXXX XXXX insurance was there and took prompt care of everything including remitting the initial check. Mortgage Lien Holder ( Seterus Inc. ) was on the check for the claim. Checks were endorsed and sent to XXXX. XXXX has been drawer out for repairs. M House is finally repaired but Seterus claims the house is XXXX % complete due to lost barns not being rebuilt even though they had XXXX authorize no barns have to be rebuilt. The property has plenty of equity, 'followed the procedure documenting funds to be paid back to us ( homeowner ) months ago. Seterus is using other departments ( XXXX ), so called 3rd party companies ( XXXX XXXX ) to hold up payments so contractor can put a lien on property.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: DISCOVER BANK
State: AZ

Complaint narrative:
I am currently paying off a Discover Loan through XXXX XXXX XXXX law firm ( debt collector ) and I have been since XXXX 2012. XXXX XXXX XXXX, XXXX are now trying to collect on the SAME debt!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
I contacted rent recovery about a debt on my credit report I requested the proof they emailed documents with different date for the application the lease as well as someone else personal info it shows month to month fee among others fees. And a signature that supposedly mine with no date when it was sign no signature from the other person name on the lease are the landlord signature this document 's are date agreement was executed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX Debt collector did n't verify collections. No contract no signature

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-30 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK
State: AZ

Complaint narrative:
Please refer to Case number : XXXX submitted in XXXX this year. For two months my entire money {$15000.00} plus interest is held with Discover and I am not seeing any hope to get it recovered from them. Please help me with this case. I will be out of country during XXXX XXXX to XXXX XXXX, 2016. I would like my money to be deposited back into my ally bank account ( originally from where i got it into this Discover Savings bank account ). I had email exchange with Discover but that email trail also nothing happened. I ca n't access my money for around 2 months now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-11 00:00:00
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK
State: VA

Complaint narrative:
Hi, My friend refereed me for Discover Credit Card and me & my wife jointly applied for the credit card. We XXXX in XXXX 2016 & I hold other bank credit card since XXXX 2016 with good history. But my discover credit card was rejected saying " No long Credit History ''. 

But the person who refereed me + other person from my company got Discover credit card XXXX within 2/3 months, applied to Credit Card & they got it WITHOUT any history of Credit / Credit card. 

It seems either out of discrimination Discover card is not approving my Card OR they are not letting me know the correct reason for not approving my card. I had filled the complain with their call center but not getting any proper answer from them

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: Weber & Olcese, PLC
State: MI

Complaint narrative:
i was serve with a complaint by XXXX XXXX credit card ... and was in court yesterday and the attorney claims they are employee of XXXX XXXX,, prior to court services when i was serve i call XXXX XXXX card service to get information for this claim.. and i was told that it was charge off and had been given to attorney network ... but the attorney i asked them are they working on behalf of XXXX XXXX and any money that they receive will it be going to XXXX XXXX or a collecting agency, they stated that they where going to forward it to XXXX XXXX that what they told the mediator ... when we know that not true, in the complaint they stated that a copy of the contract was attached and it was enter into valid consideration and lawful and proper purposes and is legally force able in all respect .. but there is no actual contract submitted, they are trying to say the billing statement is the contract, when i told them i did n't open the account that they are pursuing, that it was open with the intent of me being the authorize user, i never new that my information was being use to be the card owner, unaware because i never had a card until later, the person that open the account had the card in there name later when was given to me, with my name i was told that they added me as the authorize user i could use it but i never did, so a ask if they could show me the contract that i sign, which i never did so i disputed it, the attorney stated in the complaint that the plaintiff and the defendant consented to a sum of the credit balance due, no i never did, in the Affidavit it state they are and employer of XXXX XXXX and have personal knowledge of the matter of how capital creates and maintain certain business books and records including computer records of the customer account authorized by them ... when i myself did n't open that account, so that would be consider hearsay, there no proof or contract to that matter that has my signature, i just checked my credit report it states that it was charge off, so why would capital still be personally pursuing this debt, the attorney is making up anything to collect, so i stated to them that i did n't open this account someone else open this account without my permission, they said they are employers of XXXX XXXX so why cant they come up with and actual contract

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: DISCOVER BANK
State: NM

Complaint narrative:
I placed an order at XXXX by linking to the XXXX website through the Discover Card ShopDiscover website. The offer stated that I would receive 5 % cashback bonus if I linked to the merchant 's website and made a purchase. I did so, but I did not receive the cashback bonus. I contacted Discover to resolve the issue, but they still did not credit my account for the cashback bonus. I feel that their cashback bonus offer is deceptive and that they do n't do enough to credit their customers ' accounts. I should n't have to follow up constantly to see if my cashback bonus offers were properly credited. I feel that the company is willfully deceiving people.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I just discovered that I 've evidently slept walk through a buying a car and mortgaging a house. I rent and my car is 15 years old. How the XXXX do I fix this?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have outdated information on my credit report. Accounts are not reporting currently and last updates were XXXX 2015. It also shows my mortgage with XXXX XXXX as CLOSED and it is in fact OPEN and current! 

Their is a block on promotional marketing ( pre qual, pre approve, etc ... ) and I have requested at least 15 times to opt in to these and they wo n't remove the block. My address is incorrect and not reporting correctly and they refused to change it even after I submitted my documents

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There is an incorrect address on my Equifax credit report that does not and never has been my address.. XXXX , OK I looked this address up and online as a XXXX office.. Why would this happen?? 

Please remove for me, and inform me once completed. 
Thank you very much for your assistance!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have items on my credit that does not belong to me. The only thing that should be on my credit report that I know is right is student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: WY

Complaint narrative:
There is an address listed in a state I have never lived in with a different name than mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Seterus, Inc.
State: WA

Complaint narrative:
After going through a long modification process with BofA, I finally got my loan modified and began making regular payments again last fall. In XXXX, I received notice that my loan would be transferred to SETERUS, INC. effective XXXX/XXXX/15. Having not received a 'welcome pkg ', I called Seterus to learn my new acct # so I could put it into my bank payment system and I made my XXXX & XXXX payments on time. Made my XXXX payment on time but did not get a statement until XXXX XXXX which said I was late and late charges were applied. That is when I checked the # I put into my bank system vs the # that was in the welcome pkg & statements : they were not the same -- -not even close enough to have been a typo on my part. I called Seterus and actually got a nice female rep who tried to help me. She could n't find any record of my payment until I gave her the # that the rep gave me back in XXXX. Then she found my payment but said it had been pulled out of the erroneous account but she did n't know where it went. She said she would do some further checking and would submit a reverse the late fee charge. Made XXXX payment on time with correct # in system but when I got my statement, it still showed me a month behind. I faxed in a detailed letter explaining the problem, the error & listing of all my transactions. On XXXX I got another late notice and charge. I called again and a nice male rep helped me. He found my letter in the computer files but it was as if no one had even read it. He told me talking to a supervisor would n't help but he looked over my letter and said he would escalate the issue to get it resolved. He asked me to submit a copy of my bank statement for XXXX showing the payment was made which I immediately did that day. XXXX payment made on time but again statement showed month behind and on XXXX received another late notice and charge. Two months gone by and issue has not been solved. Faxed another letter today to Seterus and filed complaints with XXXX of XXXX, XXXX, XXXX, the XXXX Attorney General Office and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
the information on my credit score is all over XXXX years old i got hurt at work in around XX/XX/XXXX and tried to go back to work in XX/XX/XXXX but could not now i am trying to go back to work again and this credit score will not let me do any thing i have to work for myself because my injury makes me very unreliable why does n't workmens comp take care of me why do i have to have social security pay me not even near what i was making this country does not take care of its working men when they get hurt on the job i worked hard all my life i was getting ready to retire now i am homeless and have nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I had identity theft from XX/XX/XXXX to present with my adopted name and changed it XXXX XXXX XXXX, I changed my name, as far everything was working out for the good, then in XXXX XXXX finding out that someone want a house loan or personal loan for XXXX At XXXX XXXX I log into XXXX account found out someone had change my name back to my adopted name XXXX XXXX XXXX, I took all XXXX credit bureaus reports and found out there was discrepancy on all XXXX credit bureau so I was Directed to The Federal Trade commission with this problem. They helped me in a big way & Thanks Everything was taken off in the credit report, that was supposed to include good standing accounts associated with my old name XXXX XXXX XXXX The only XXXX associated with XXXX XXXX XXXX ; XXXX XXXX & XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
" Certified Verification '' as required under FCRA Section 609 and Section 611 required to promptly ( at once ) DELETE all information which can not be verified and or validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Confirmation # XXXX XX/XX/XXXX, Confirmation # XXXX XX/XX/XXXX, and Confirmation # XXXX XX/XX/XXXX - I have been sent numerous disputes to Equifax with regard to 2 credit card accounts " settled for less than full balance '' on XXXX # XXXX & XXXX. Both accounts DOFD go back to XXXX. Both Accounts were settled. in XX/XX/XXXX. I have requested these items be deleted from my credit report as I am in the process of trying to refinance my home and the negative information is stopping me from this process. As you will see by the uploaded documents the same comment appears " The creditor has verified to OUR Company the date of last activity is correct. Under the Fair Credit Reporting negative items are supposed to be deleted from 7 years of DOFD, last activity date means nothing in reference to this item beyond the 7 years of reporting. Each time it has been disputed I have asked the representative to provide me with written documentation from the Creditor showing these items have been verified. As you will see on the all the confirmations, none of that has been provided to me. I have contacted the creditor ( XXXX ) and they have told me nothing has been reported to Equifax in years since there is a " XXXX '' balance. Why does a credit bureau have the right to report information beyond the 7 years reporting time when a creditor stopped reporting to them years ago. This is my final attempt to have Equifax delete this information before a suit is brought against them for damages in XXXX County. These items have dropped off XXXX and XXXX in XXXX. 
I take my credit information seriously and I am hoping you do too!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: WI

Complaint narrative:
Seterus is the loan servicing company for our mortgage. I understand they could not send up monthly mortgage statements during the time we were in Chapter XXXX. Which XXXX because we made all payments for 5 years during that period and have no proof they were received or applied to our mortgage. Since being out of Chapter XXXX we have requested multiple times to have statements sent and was told that they do not send statements it is only a courtesy for them to send them out. They do not have to send them is what I have been told. they have also added additional fees to the monthly payment for something that has never been disclosed to us. if the terms of the loan are adjusted should all parties be notified of the reasoning???? We do not know if over {$60000.00} in mortgage payments have went to anything anywhere because Seterus refuses to send out mortgage statements. Also seterus forced us to pay for additional home owners insurance during those 5 years. every time they requested a copy of our home owners insurance i faxed it to them promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I asked the credit agency to dispute the information that is on my account because it is inaccurate. They did what they call an investigation and said the information was to remain on my credit report. I do n't believe a investigation was done and I sent this information certified mail which got me to get no result. I have looked over the information from the credit agency and it is wrong on many levels which I have highlighted in my documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax and XXXX failed to notified me regarding notice of disputed of reinvestigation as well some accounts has been removed from one Agency and let reported on the other. I demand this items to be deleted permanently. All this accounts on the report marks as derogartoy where not notified per FCRA require reporting agency to give notice of reinvestigation

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
the refuse to continue to investigate my dispute. I have requested them to provide me with the individual who validated or denied my request along with evidence to support my dispute. I have attached a copy of the last letter I sent with todays date on it. 

In addition my middle name is incorrect on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I disputed an XXXX charge on my credit report first in XXXX and Equifax agreed and removed it from my account. The charge keeps showing up and I keep having to dispute it. Dispute confirmation numbers XXXX, XXXX, XXXX, and XXXX. Although the first XXXX disputes removed the charge from my account, the last XXXX was not. I do n't understand why Equifax kept allowing the same charge to keep showing up after I disputed and it was removed. Also, I do n't understand why the amount was removed XXXX times and the XXXX time they wo n't remove it.

Company response to consumer: Closed
Consumer complaint received 2016-12-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Security National Automotive Acceptance
State: KY

Complaint narrative:
Security national repoed my car when we had automatic payments saying we were 2 months behind and were not. They say we owe XXXX online, XXXX on the paper they sent us and 500 and something on the phone when they call. We only are past due XXXX dollars. They have the due date wrong in their system and whenever we fax the paperwork to have them change it they loose it each time and wont change it to the correct one. They are now telling us we are 3 payments behind and we are not. Im so tired of this company.

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 monetary relief
Consumer complaint received 2015-04-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Disputed XXXX XXXX and acct shows open date of XX/XX/XXXX.This acct was auto removed from transunion and experian this month.I disputed this item XXXX times in XXXX stating it was an expired acct and that the XXXX deliquency date was also incorrect as well as the acct information and payment history.The results of the dispute says they contacted XXXX who told them they can delete the historical data from the report. So most likely they are deleting the historical data because it is not correct or inaccurate.But for some reason they are still not removing this item from the credit report, nothing verified but still going to keep item on my report while transunion and experian it was automacitically remove in XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief