vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
I have had XXXX short sale offers submitted to Dovenmuehle Mortgage. The first one went all the way through escrow, but when there was yet another delay on XXXX 's part, the buyers have walked away. The mortgage company refuses to talk to me or to communicate with my real-estate agent. Their letters say I have a point of contact, but I can never get to her, and I am still receiving calls from their collection department, which I understand is illegal. I have provided all the information they have asked for on numerous occasions, but every time I attempt to contact them, they never seem to " have it in their system ''. In fact, the last representative I talked to said they have no record of any short sale offers ever having been made, which I know is a lie. I can not keep this house, I have tried for years to get it sold, but they will not cooperate. At this point, I want to just do a deed in lieu of foreclosure, they can have it, but again, nobody will talk to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: MN

Complaint narrative:
Someone stole my personal information and identity and got an auto loan from UAC/Car hop. I am a victim of identity theft. I have never applied for an auto loan with UAC/Car Hop. The account is unauthorized and fraudulent and do not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-24 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: OK

Complaint narrative:
I was renting an apartment for I pay on time, pay more than {$700.00} on deposit. I did all the steps they told me to do before I moved out. After I moved out they never contact me about anything, then after XXXX months a Collection agency is harassing me all the time that saying I own {$410.00} to the apartment. 

I asked for evidence about this debts. They said they will give the evidence, but they never did.They just contact me every other day. Then, they open a case in my credit report, but they refuse to provide evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30 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: Stuart-Lippman and Associates, Inc
State: CA

Complaint narrative:
My ex wife did not pay a bill owed to XXXX XXXX XXXX. 
I have contacted them and they know it is not my bill. And since 2008 this has been on my credit report causing me hard ship and paying higher interest rates. I have asked and they have said they would remove this over XXXX times now. Staurt & lippman collection agency is located in XXXX Arizona, Home OfficeStuart-Lippman & Associates, Inc. 

XXXX XXXX XXXX XXXX, XXXX XXXX, Arizona XXXX Toll Free : ( XXXX ) XXXX : ( XXXX ) XXXX : ( XXXX ) XXXX the trouble it has taken me to try and remove a collection account for {$100.00} dollars, that is not even mine. 
this is an out rage. Shame on them for doing this to a person

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 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: AmeriCollect
State: FL

Complaint narrative:
Contract does not exist between myself and debt collection company. Debt is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Rent Recovery Solutions
State: FL

Complaint narrative:
To never get a respond back from them. i sent a Debt validation letter to this company, Rent Recovery sol, LLC about a debt Im supposely owed them to never get an answer back from, them or XXXX, XXXX, or XXXX. Please sent me an respond back about this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 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: TX

Complaint narrative:
The XXXX Apartments and their debt collection agency Rent Recovery Solutions are attempting to obtain supposed lost rent payments AFTER we were released from our rental agreement. The XXXX executed and managed a lease agreement AFTER we left and that renter was claimed to have defaulted on rent payments. The XXXX is using Rent Recovery solutions to harass us by attacking our credit and sending ongoing requests for payment as a form of extortion to get their money. To date I am able to provide numerous documents showing that we owe nothing and Rent Recovery Solutions has not provided any documentation demonstrating that they were not paid rent for the period in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: DISCOVER BANK
State: TX

Complaint narrative:
I have been a Discover Card member since XX/XX/XXXX. I used my Discover Card to make a couple of purchases in XXXX, XXXX, and four purchases between XX/XX/XXXX and XX/XX/XXXX. I have not used my Discover Card during the years of XXXX, XXXX, XXXX and most of XXXX ; I did not start using my Discover Card again until XX/XX/XXXX. I recently attempted to do a Cash Advance and noticed that I did not have funds to transfer from my Discover Card to my checking account. This caused me to look through my Discover Card statement and I found that I have been charged interests every month regardless if I made a purchase or cash advance with my card. My statements reflect that I was charged {$1100.00} in interest and {$550.00} in fees for the year XXXX ; in XXXX I was charged {$1200.00} in interest and {$420.00} in fees ; and in XXXX I was charged {$1200.00} in interest. Please note, I did not make a single purchase or cash advance using my Discover Card during these three years but was still charged over {$1000.00} each year in interest. I have also noticed that my credit line has increased from {$5000.00} to now {$8600.00} without my consent. I believe the increase was done to add interest charges and fees. I have contacted Discover Card company via Live Chat in hopes to reach an amicable resolution but all they do is 'copy and paste ' text from their disclosure documents. I am seeking aid from a regulatory agency as I find this practice unjust to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Stuart-Lippman and Associates, Inc
State: CT

Complaint narrative:
Stuart-Lippan claims I owe the XXXX XXXX company {$12000.00}. I have written and asked for proof that I owe this money. I did not receive and answer. When I asked XXXX XXXX of Stuart-Lippman for prof he told me they will prove it at court.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Many of the creditors are paid in full and are currently showing on my credit report. I need these cleared off my report to increase my credit score. Also have a judgment that was paid in full and is still currently showing on my report. If you could be so kind to help me in this situation, I would greatly appreciate it. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
When signing up for XXXX XXXX XXXX Cell phone service on XXXX of 2015, I was told multiple times that XXXX XXXX XXXX would not do a hard inquiry into my credit report and that it would not show up on my credit report or affect my credit score. However, the company did do a hard inquiry. I disputed this claim but Equifax determined within 24 hours and getting no documents from me that it was authorized. However, I have screen shots proving that XXXX claims that they will not do a hard inquiry when signing up for cell phone service. 
I have tried multiple times to contact XXXX ; first by using the number provided on the dispute and then calling all the different numbers that XXXX employees give me. I have not been able to speak to anyone at the company about removing this inquiry. 

On this dispute, I also disputed XXXX 's claim, but the company is working with me to remove it. I am also in the process of contacting XXXX and XXXX for the same problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
remove the fraud alert and statement from my credit profileXXXX XXXXSS # XXXX XXXX XXXX VA XXXXDOBXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
We filed bankruptcy XX/XX/XXXX  XXXX, our mortgage company at the time, was exempt from the bankruptcy.  However the credit bureaus show XXXX was included in the bankruptcy.  We have disputed this XXXX with supporting documentation and it still has not been removed.  Equifax says they need to contact XXXX.  XXXX filed bankruptcy in XX/XX/XXXX also.  We contacted XXXX at XXXX who informed us that they have no information on any accounts in our name or at our address so they could not help us.  Our account was in good standing (not late or missed payments) withXXXX when we filed bankruptcy.  XXXX took over XXXX accounts in XX/XX/XXXX.  We have continued to make our payments on time.  Equifax is saying they need another 30 days to investigate.  The original dispute was to remove this SAME incorrect information. We have not heard anything from XXXX.  Because of problems with their website we had to send the dispute by US mail.  XXXX is the only agency that has corrected the information.XXXX was sent the exact same information. Since filing bankruptcy we have worked diligently to re-establish our credit. We have done all we can and now we   need your help ASAP to get this information corrected. I had no idea that it would be so difficult and take so long when we had proper documentation. You are our last hope.  Thanks in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are XXXX listings for XXXX XXXX on my credit report like for a finance on a car, however, I paid CASH for my car so there should not be a hard inquiry any longer on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax has an account on my credit report that is passed the statute of limitations. The account status is also incorrect. The account has been paid. This account is also passed the statute of limitations and should have been removed from my credit report. the date of deliquency is incorrect. I have disputed this information with Equifax and it fails to correct the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Equifax refuse to send me my credit report I have done every thing they asked of me but they refuse to send my credit report.

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 — Account terms
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX is reporting negative and inaccurate information about my mortgage account like : ( late payments, short payments ) This information has negatively impacted by credit score and credibility. This is not the first time XXXX XXXX XXXX has reported inaccurate information, back in 2014 I had to dispute with all XXXX major credit BUREAU 'S because XXXX reported my mortgage loan as a foreclosure. This inaccurate information caused me to get denied credit from XXXX XXXX in desperate times.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Equifax refused to process the disputes that I initiated. They said they would not reinvestigate the disputes even though I asked a totally different question about a totally different aspect of the accounts. They also claim that my bankruptcy was verified by the courts. According to XXXX XXXX the Deputy Clerk In Charge of the U.S. Bankruptcy Court XXXX XXXX XXXX XXXX, XXXX, OH " The US Bankruptcy Court does not report the information to the credit bureaus. '' The bureaus came back calling the info verified by the courts which is false. I demanded that these items all be removed due to not being verified as required under the law but the bureau refused. 

The company claims the information is accurate. They NEVER contacted the creditor listed ( the US Bankruptcy Court ) to get required verification and validation. I have again attached the letter FROM the US Bankruptcy Court showing that they do NOT report. If the bureau did what they just falsified in the response to you, there would have been no response and the item would be deleted due to being unverified by the original creditor. Instead, the bureau went to XXXX knows what other source to obtain information for them to deem verified - in DIRECT violation of the FCRA. I demand that this item be deleted and that any sanctions that the bureau has coming to them be imposed for not only failing to comply with a direct dispute but also in providing a false response and false accounting of the bureau 's actions to the CFPB. Thank you for your assistance in regards to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX continues to report judgements from XX/XX/XXXX and XX/XX/XXXX to all credit bureaus which violates the Fair Credit Reporting Act Sec. 1681c. ( 2 ) which states, " Suits and judgments which, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. " This is illegal and I 'd like them to remove the XXXX judgements from my credit report. See attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX of XXXX, AR is improperly reporting a paid collection account on my credit report. Account number XXXX must be removed immediately and my credit score updated. They are intentionally sending incorrect information ( such as date of first delinquency ) that is wrong. I have disputed this item online, in writing, and with the furnisher of the debt. NO ONE is accurately validating this collection account as the DOFD is prior to the date of service. This is inaccurate reporting and must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello, My name is XXXX XXXX XXXX and I would like to file a compliant against Equifax for reporting a collection account to my name that has been paid through my insurance in full and no longer owed. On XX/XX/XXXX I began my dispute process with Equifax, which has been XXXX of the most tormenting experiences of my life. Initially they processed my dispute and quickly claimed it was verified to me. Then, I began sending them requests to know how these items were verified when my insurance had covered the balances completely through XXXX XXXX on XX/XX/XXXX. This Item was placed in collection by accident and was never overdue or owed. Equifax only claimed that they would no longer process any more disputes or letters from me on the matter and quickly shut me down with no evidence of an investigation, no results regarding how the invalid collection was verified and no answers on who verified it and when. I sent Equifax numerous letters stating that what the collection company was doing was in violation of FDCPA laws and FCRA laws and they were reporting me illegally with no available debt validation. I have filed CFPB complaints against Collection Consultants in XXXX CA for illegally and fraudulently reporting onto my credit file with Equifax. Under FCRA guidelines I understand that as a consumer I have rights to dispute inaccurate and invalid items as needed and that my credit file must be reported with 100 % accuracy ; and this account is absolutely in violation of that and I question the methods that Equifax is utilizing to verify consumer disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
They took my name offXXXX XXXX XXXXThey issued the report to incorrect address placing My complete name SS # and Birthdate out into the open. I consider this a huge breech.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX DOB : XX/XX/XXXX XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida Upon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen I have included a copy of the police report attached to this letter I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX acc # XXXX XXXX acc # XXXX XXXX acc # XXXX Inquire that were not done by me That are fraudulent XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX DOB : XX/XX/XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I just spoke to XXXX XXXX, a supervisor, at XXXX XXXX XXXX. She is mailing me XXXX credit card statements for XXXX. According to her, the reporting of time-barred accounts is both Equifax 's and XXXX policy. She told me they will be mailed from Delaware. She also told me that of the XXXX credit reporting agencies ( they provided me information about ) on their XXXX XXXX XXXX letter, that only Equifax refused to remove it. Let me remind Equifax , the FRCA does not allow indefinite reporting of an account closed in XXXX regardless of whether it is positive or negative reporting. But, in this case this SOLE credit account is and was never owned by XXXX XXXX XXXX to begin with. This is fraudulent time-barred reporting. FCRA does not allow such reporting in XXXX for an account closed in XXXX. As the stand-alone outlier, among all XXXX agencies, it is pretty obvious that XXXX companies need to comport with FCRA. My recent Confirmation # XXXX still continues to show this time-barred account. This is illegal. I will be contacting the XXXX in Georgia, where Equifax mailed this report, and supply them with my documention to get this fraud investigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I contacted Equifax via fax and mail stating that I have no business with these inquires on my credit report and I want them removed. How many times is it going to take to have them do there job. I have put a fraud alert on my account so no one opens an account under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
The information is still remains. I just received a response from XXXX which is a collection on my Equifax report that responded through the CFB case # XXXX that they were going to remove this collection.

Company response to consumer: Closed with explanation