vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-12 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
Our mortgage is with US Bank. A bank that has no local branches in our area. they encourage paperless billing to reduce waste and have a more protected transaction. Our payment is due on the XXXX of the month and late after the XXXX. Initially if you set up an online payment that was processed between the XXXX of the month and the XXXX they charged a {$3.00} bank service fee. Now they are charging {$5.00} for any online payment after the XXXX of the month. As far as I know, these fees were not made aware to us when we received our mortgage and is it proper for them to charge a fee to pay your bill online, when it actually saves them money to have me pay online?

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 2016-11-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: PLANET HOME LENDING, LLC
State: CO

Complaint narrative:
XXXX - XXXX, XXXX, CO XXXX closed his refinance on XX/XX/2016. I have attached the original final CD sent to the Title Company XXXX XXXX XXXX XXXX XXXX. It indicates that the client was to receive {$500.00} cash out at closing. The loan did not fund after the 3 day right of recession as the lender, Planet Home Lending indicated that the client was not going to get {$500.00} cash out. According to their Funding Manager, Regional Sales Manager and Account Executive the original final CD was in error and all the client was to get back was {$14.00}. Planet Home Lending said that they never sent the original CD with instructions and that the title company closed the loan on those numbers incorrectly. After days of communication ( phone calls/emails ) between Title - and Planet Home Lending they finally agreed that they had sent the original final CD by the Funding Manager but stated that they would not fund on those numbers and required the client to sign a new CD ( dated XX/XX/2016 ). This was 7 days past funding date. We were told through a conference call that they ( Planet Home Lending ) would send the client a check for {$480.00} on Monday the XX/XX/XXXX. As of today the client has not received their {$500.00} cash out as per the original CD. I believe this is a violation of TRID. 
The title company never received new closing instructions until 7 days after original funding date and with no explanation to either the title company or the client as to why the change. In reviewing the documents it is apparent that Planet Home Lending incorrectly placed the Principal Reduction in the wrong column. 
As the Mortgage Broker for XXXX he is asking for our assistance in receiving what he was promised. Please advise if he is entitled to the original cash out of {$500.00}? 

Attached : XXXX XXXX - acknowledged by client Subsequent CD - dated XX/XX/2016

Company response to consumer: Closed
Consumer complaint received 2016-05-13 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Five Lakes Agency
State: FL

Complaint narrative:
This debt was purchased by XXXX XXXX XX/XX/2014. I did not receive communication, though they insist they sent it. Calls to XXXX XXXX informed me to first call their account reps to get my information. Another call said the debt had been sold to a company called XXXX. A call to XXXX told me it had yet been sold to another company. I have n't received any kind of information from these companies with debt validation or giving me the right to dispute. The last company 's rep said she " was n't sure '' if they still had the original account information. I feel as if I 'm being run around in circles. 
As for my credit report, this account appears as it still belongs to XXXX XXXX.There are multiple inconsistencies across all reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Focus Holding Company
State: SC

Complaint narrative:
There was a claim issued against my State Department of revenue by a debt collection agency for a medical bill that exceeded the statue of limitations in my state of south Carolina. According to SCCLA XXXX it is 3 years. Secondly there was not proper notice of such claim provided to me by this agency or the original debtor which would have afforded me the opportunity to dispute such claims according to SECTION XXXX of South Carolina laws.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Focus Holding Company
State: IL

Complaint narrative:
My business receives calls from this company multiple times a day. If I decide to pick and actually reach a human ( rather than dead air like 90 % of the time ), I am offered no information, but am informed that the number will be " removed from their list. '' Yet the continue to call.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Focus Holding Company
State: IL

Complaint narrative:
Focus Receivables Management. This company has been ROBO calling XXXX times per day, every day for XXXX months. The caller is using an " Unknown '' caller ID and also calls from XXXX. There is no person on the line, just a recording telling me to call a different number. I do not wish to receive calls from this company and have asked them to stop as I have retained an attorney.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Focus Holding Company
State: OH

Complaint narrative:
Focus Receivables Management keeps calling my cell phone number, when I call I get a person who can not even speak clear XXXX. I tell them I am not receiving letters from them, so obviously I do not owe them any money. They insist I am the person owing money. I have no debts to them.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: URS Holding, LLC
State: CA

Complaint narrative:
ERS took charge of my XXXX loan from XXXX in XXXX. XXXX refused me a deferment even though I was entered into XXXX. All my other student loans have been in deferment. ERS did not make any attempts to collect the debt for over two years, while I was XXXX. They had my permanent address, nothing was sent. After returning in XXXX, I have tried to get some transcripts from XXXX to enter a teacher education program. In the process I learned about ERS and have contacted them multiple times for information. They were unable to tell me when they acquired my debt. Today, on XXXX XXXX XXXX, and I was told that my account was opened with them in XXXX of this year. The school refuses to speak with me about the loan and ERS is giving me misinformation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: URS Holding, LLC
State: AZ

Complaint narrative:
I RECD A CALL ON MY CELL PH FROM UNITED RECOVERY SYSTEM XXXX .ASKING THAT I CALL XXXX REGARDING A DEBT.I CALLED THE XXXX NUMBER AND LEFT A MESSAGE THAT THEY HAVE THE WRONG PERSON/PHONE XXXX DO NOT OWE ANYONE MONEY.CALLED ARIZONA XXXX AND FTC AND ADVISED TO FILE COMPLAINT WITH YOU

Company response to consumer: Closed
Consumer complaint received 2016-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: United Consumers Inc
State: MD

Complaint narrative:
I have asked United Consumers to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

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 2016-12-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX removed information from my credit report on or around XXXX XXXX but when I checked my credit report on XXXX XXXX, I noticed that they had reinserted deleted information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Response was " consumer disputes after investigation '' No change. 
several of my accounts held by XXXX XXXX ( Student loan servicer ) On XX/XX/2016 I received a response from XXXX XXXX that they would make corrections to my CR with the application of a retroactive hardship. XX/XX/2016 the information updated and corrected via XXXX and XXXX, Unfortunately not with Equifax. XX/XX/XXXX I disputed the information only to receive the response above ( makes me question their investigation ). 
I wish to make a formal complaint and supply a copy of the letter received from XXXX XXXX ( Also supplied to Equifax ) and a screen shot of one of the same account XXXX VS Equifax. 
XXXX is the servicer on several loans and none of them have been updated with Equifax. They are all reporting the same error! I am requesting correction or removal of the Trade lines. I have every intent to seek legal assistance to recuperate the cost of higher interest payments, deformation, and missed opportunities at securing credit due to their errors. Please Contact Borrower XXXX Department by phone at ( XXXX ) XXXX, or by email at XXXXXXXXXXXX If Validity of email is a question! 

US DEPT. OF EDUCATIO XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-03 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My wife and I religiously follow the recommendation to check your free credit report regularly. We both get our reports from each agency on a staggered basis so we get a report for one of us every two months. For the third year in a row now, neither one of us has been able to get our report on line from Equifax. My wife was denied her on line report on XX/XX/2016. Every time we go through the on line request procedure, at the end, we get a message that it can not be completed on line, and that we need to fill out a form and send it, and XXXX supporting ID documents to them by mail. It has become obvious that they do not want to give out the reports on line. We never have a problem with the other XXXX agencies, so I have come to the above conclusion. When you try to phone in to complain, you are put through phone tree XXXX, to no avail. This is an abuse of consumer rights. In addition to the wasted time, more paper is consumed in printing and mailing the report. Additionally, our identity is put at risk by having the report, and our documents sent by regular, unsecured mail. Please take action to put a stop to this abuse. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Erroneous address : XXXX, TX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I Have XXXX hard inquires, XXXX from XXXX and XXXX from XXXX on my Equifax report that are not mine. I tried using Equifax to dispute this but they came back saying that they are mine. But I have never delt with XXXX and I have n't been a XXXX customer in years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
For two years creditors nor myself have been able to access my credit report which has cause multiple issues with obtaining credit, these were not because of what is in the report but a lack of access. I have tried numerous times to get this resolved with Equifax to no avail. As a recently XXXX person this is affecting my life in negative manner and I need help as Equifax just does n't seem to care. also I have no issues with XXXX or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax report shows : XXXX debt in collections {$370.00}. Debt was paid XXXX/XXXX/2015. Need item removed from negative status.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
We are in the process of a short sale since XXXX 2015, a completed short sale package was sent to Seterus & XXXX to be processed, including all updated financials every month. I received an email from XXXX that they can not move forward because they are waiting on the Servicer, Seterus to complete the necessary paperwork that XXXX needs in order to Approve the Sale. I have contacted the seterus negotiator via email and have called the customer service number at Seterus and has not received a response. On XXXX/XXXX/2015, I contacted customer service again, and requested a manager/supervisor to step in and help with moving this file forward since the Negotiator has been silent for over a month. They told me they say that the last time the file was touched was on XXXX/XXXX/2015 and that buy XXXX/XXXX/2015 XXXX would hav ewhat they needed. Well I follow up today and this was the message I recieved from XXXX:XX/XX/2015 XXXX Sales Borrower eligibility is still being determined. We are still waiting for Seterus to complete their portion of the short sale review. If you have questions regarding the required documents or need an update on the short sale please contact Seterus directly at XXXX. Thank you. 

Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have a car loan through XXXX bank. I have paid monthly payments on this car loan for 5 years. This loan isnt showing up on my credit report through XXXX nor Equifax. Not having this information is effecting my credit report. I need to get this information on my report as it is effecting my overall credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are requested to " promptly delete all information which can not be verified 'that I have disputed. Please resolve the manner as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The credit Bureaus are giving out wrong information on me and refuse to give me my credit report. I am being discriminated by the credit bureaus and they are giving the XXXX person, who is using my information the correct information, and giving the people that I apply too, the wrong information.

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

Complaint narrative:
While checking my personal credit report, which I acquired from Equifax, I noticed XXXX inquiry made by your company on three consecutive days ( XX/XX/XXXX-XX/XX/2016 ). I do not recall applying for credit or employment with XXXX XXXX XXXX . 
I did not authorize anyone employed by overstock to make an inquiry and view my credit report. they have violated the Fair Credit Reporting Act Section 1681b ( c ). they are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. 
I requested that overstock either mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity. they simply sent a response that this is correct. Again, it is not, and i have sent a certified letter that was signed for on XX/XX/2016. A company simply looking at a screen is not validation of the inquiry and especially not XXXX in3 days

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
after research and tracking down information discovered the credit bureaus and companies have reported false accounts that are a result of identity theft on my credit report i am including copies of my credit report passport ss card and police report with the fraudulent accounts that are reporting and need to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
On XX/XX/XXXX, I disputed XXXX adverse accounts on my credit report. I listed in my dispute that I wanted to dispute the date of first delinquency. When I received the final resolution of my dispute, there was no change in information reported on my credit report with the exception of the date reported. When I called Equifax , I spoke to a XXXX XXXX that explained to me that there is no way to distinguish between the date of first delinquency or the date of last delinquency in the information that is sent over to the creditor. I was advised that the creditor has the option to choose which XXXX they will send. I then advised XXXX XXXX that my dispute was not handled properly because the date of first delinquency was not verified and this update in the date of reporting had negatively impacted my credit score. I wanted the information on my credit report to be accurate. These accounts had not been reporting since XXXX, but now since they updated Equifax , with the same information as before, the date of last report had changed to XX/XX/XXXX. So now, this account will not be deleted from my report for an additional 10 years from the new date of last reported ( based on the results of the dispute ). So I added XXXX additional years of reporting onto my report and the information that I added XXXX additional years of reporting onto my report and the information that I asked to be disputed had not been verified. This change in reporting date negatively impacted my credit score by XXXX points. I went from XXXX to XXXX. This may not seem like much to some, but it changes my status from poor to fair which is huge for a consumer. 
The dispute process was put into place to assist consumers with having accurate information on their credit report, if there was a risk to my score I should have been notified before hand and if I should have been made aware that there was no way to distinguish between date of first and date of last delinquency in my dispute so that I could have made an educated decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
By law the the credit reporting agecies are to removed items on credit report past 7 sevens years

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax has a incorrect information related bankruptcy Chapter XXXX related XXXX XX/XX/XXXX The correct information should reflected Bankruptcy Chapter XXXX -Discharge-XXXX XX/XX/XXXX I asked many times Equifax to make a correction with Chapter XXXX with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AR Resources, Inc. (FL)
State: FL

Complaint narrative:
I was covered by the indigent/charity care program at the hospital and have been told by hospital there is a {$0.00} balance

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation