vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
The XXXX at XXXX Ga took a fraudulent claim to court ... .My rent was fully paid ... I owed them nothing ( They said {$10000.00} dollars???? ) ... .They had the warrant sent to my old apartment ... .I was not given the opportunity to defend myself and then they sold info to Rent Recovery Solutions who did not want to hear my story. These are the same people who were on XXXX on XXXX XXXX, 2014 ( please watch ) ... The apartments were mold infected, crime infested and damaged which is why I got them paid off an moved out.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In XXXX, I co-signed for a student loan for my nephew from a private bank which was not backed by XXXX XXXX. He graduated in XXXX and unbeknownst to me was making payments sporadically. 

In XXXX, I had to declare bankruptcy due to medical reasons and all my debs were discharged in by XXXX XXXX including my nephew 's student loans. 

My nephew stopped making even his sporadic payments and XXXX came after me. I informed them and submitted to them my bankruptcy discharge papers to them. This did not satisfy them. They kept calling and harassing me. 

Eventually they sold off the loan and my nephew ended up paying off the loan in full in XXXX yet XXXX kept reporting on my credit report and impacting my credit score as a charge off. 

To add insult upon injury they provided my nephew with a letter but they refused to provide me with a letter saying my name is not on the account. I have tried to dispute the account on my credit profile but the idiotic incompetent agencies keep listing this debt as verified and accurate. They then advised me to call the number on the credit report. 

When I tried to call the number on the credit the number of course was disconnected!!! Equifax, XXXX and XXXX are totally useless.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Mnet Financial Inc
State: VA

Complaint narrative:
I have XXXX knowledge of this account. According to my XXXX credit report, this debt is from XXXX of 2014. I have not received ANY correspondence from this company in the mail, not have I ever received a phone call regarding this debt.

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 2016-03-02 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: DISCOVER BANK
State: CA

Complaint narrative:
I applied for a student loan through Discover- Student Loans XX/XX/2015. I had to ask my father to co-sign with me. Discover approved me for {$8500.00} to cover classes and books for my 11 month XXXX at University XXXX XXXX XXXX. LOAN # XXXX was approved at 7.115 % - my dad and I accepted this offer - variable rate. Discover 's loan center sent my certification docs to the wrong department which caused a delay in timely communication between my school and Discover. I actually started classes and was told by XXXX that Discover was faxing to the wrong place. I had to call Discover myself and let them know what they were doing. I was told they had a wrong number in their system. A few more weeks go by and I am told by the university they have still not received any funds or certification. I had to call Discover again - only to find out that they were still faxing to the wrong dept. They were sending my certification to the XXXX XXXX XXXX XXXX dept. at XXXX instead of the Law dept!!??? Additionally, I was told that they had to pull my credit again and increase my rate. This is due to them pulling my credit when I first applied and now they are pulling it again - this caused my score to drop. I asked them why they would pull my credit without my permission and raise my rate due to errors they have made? To make matters worse they continued to send my documentation to the wrong departments for the next several weeks. At one point weeks and weeks into this, they re-characterized my loan from an XXXX loan to a XXXX loan!! AGAIN - pulling my credit and increasing my rate!!! ALL TOLD, Discover dropped the ball countless times, making mistake after mistake and kept pulling my credit and writing more expensive offers every time!!! When I called to file a complaint about all of their errors and how they need to honor they first offer, and remove the hits to my credit report - they told me it was against the law for them to fix this!!! WHAT??? In the end, I have received XXXX different offers over the course of 8-10 weeks that increased rates with each forthcoming offer. Please help me correct this - I think what they have done to my credit report and the audacity to keep sending me higher rate loan offers is exactly why your agency was created. To keep consumers from getting railroaded by companies who 's service is terrible and who refuse to take the steps to correct their big mistakes!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: DISCOVER BANK
State: PA

Complaint narrative:
XXXX day I was at a mortgage office to get help with a new home loan and after pulling my credit the loan officer said it was n't feasible to give me a loan because I had a judgment on my credit. I stated I have no knowledge of this. It has been reporting on my credit since 2011. I have once heard this before when I was buying a car but did n't pay any mind to this. So I know for sure now this has affected me and will keep affecting me I do n't look into this. I decided to do my research and contacted the law firm handling this judgment and after confirming some information for them such ad date of birth and social security it came back it was n't me who owns this judgment. They clearly stated they will send me a letting to clear me from this matter. I received the letter and it does state the persons name on it which is clearly not mind. How can I get this taken care of and go back 6 years of misery from this mistake? 
Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: DISCOVER BANK
State: LA

Complaint narrative:
I requested that a Discover Credit Account be removed from my XXXX credit file. The account lists me as an authorized user. I am not an authorized user on this account. I never gave my permission to be listed on this account. XXXX and XXXX removed this account from my file, but XXXX has not after multiple requests.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-15 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: DISCOVER BANK
State: NY

Complaint narrative:
Discover ran a promotion for XXXX the miles on the Discover IT Miles credit card for purchases made using apple pay through XXXX XXXX, 2015 on up to {$10000.00} in purchases for a total maximum of XXXX miles. I spent more than {$10000.00} during the promotion but did not receive a significant portion of the miles. I contacted Discover and they are requesting that I submit receipts to verify that my purchases were eligible. I have never heard of a company forcing a customer to produce receipts for purchases. None of my transactions were cash advances, they were all purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discover Student Loans reported in error to XXXX and XXXX that my account was in bankruptcy. I have never filed for bankruptcy. Due to their mistake, I am at the risk of being disqualified for home mortgage, despite my credit score that exceeds XXXX. When I called Discover Student Loans about this, and requested that they write a letter clearly stating their credit reporting error, which my mortgage lender requested to process my pre-approval, I was told that they do n't have a form letter approved by their legal department to write such a letter. They instead sent a letter that simply states the status of my current loan and terms. That is not what I needed or what my mortgage lender asked for. In the meantime, we sold our house and need to move out in a month. We wo n't be able to make an offer to purchase our next house unless this credit error gets resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24 00:00:00
Product: Bank account or service — Cashing a check without an account
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK
State: MO

Complaint narrative:
My Identity was stolen and given to Discover Bank and opened a XXXX market account under my name. In turn there was a transaction made XXXX in WI which made a transaction under my ID and sent XXXX for the amount of {$2300.00}. No response or fraud department will take my call at XXXX. Discover Bank referred me to XXXX on this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc.
State: TX

Complaint narrative:
My wife and I closed on the sale of our home on XX/XX/2016. We then moved into our apartment the following day. On the day of closing, we were advised by the title company that we should expect an escrow payment from our mortgage lender Dovenmuehle. We contacted them and inquired if the process. We were advised that we would need to send in our updated mailing address and the check would be processed 15 days after the loan was paid in full. 

I sent this information XX/XX/XXXX, through several phone calls I have had with Dovenmuehle the address has been verified and I have even received a letter printed XX/XX/2016 regarding the account details of my loan from XX/XX/2016 thru XX/XX/2016. But, I have not received my escrow check. 

My account says the escrow refund was processed XX/XX/2016. 

I have called Dovenmuehle several times regarding this issue and with no exaggeration, I have received a different story each and every time I have called. 

* I have been told the check was sent out and I would have to wait 30 days until they would resend. 

* I have been told the check was sent out and I would have to wait 60 days until they would resend. 

* I have been told a new check was sent the week of XX/XX/XXXX and would be processed within 2 business days. 

* I have been told a request was processed but could not be finalized until 7-10 days from the second check request ( XX/XX/2016 ) * On the most recent conversation XX/XX/2016 have been told I would have to wait until XX/XX/2016, and on that day I would need to call and request a new check be processed. 

There is no consistency, no accountability and a reputation of distrust has been established. I do n't know where this check was sent, but one thing is for certain I do n't have it and for me to get a letter of an Escrow Statement printed on XX/XX/2016 before I got a checked issued XX/XX/2016 lets me know here is undoubtedly a problem, one which they have given me zero assurance that they are taking care of and now they have placed the responsibility on me to make sure their information is sent correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: DISCOVER BANK
State: OR

Complaint narrative:
Discover offered a promotion of XXXX miles per dollar when using XXXX Pay to pay for transactions, up to {$10000.00}, until XXXX/XXXX/15 ( doubled after one year ). I applied for the card and paid {$650.00} for an iPhone exclusively to take advantage of the promotion. Discover then altered the terms of the promotion and excluded gift cards. 
Discover needs to honor the initial terms of the promotion and give me the miles I am owed ( over XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discover Bank pulled a bait and switch, offering {$50.00} to open a savings account, but then failing to give me the money. I satisfied all of the requirements, but they still wo n't give me the money. I have contacted them XXXX times and they have promised me the money by a certain date twice, but failed to make good. The last time I contacted them they said it would take them XXXX weeks to research the problem. I ca n't see as how it could take them that long, given that anybody can see that I followed the rules and met the requirements. I also do n't think it 's right to tie up my money that long, when I have already met the requirements.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-08 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: DISCOVER BANK
State: PA

Complaint narrative:
When I filled out the pre-approval application for a Discover " it '' card they responded " Here 's the card we found for you '' leading me to believe that I had indeed been pre-approved but when I filled out the application I was denied. Discover has acknowledged to me that their pre-approval language is misleading, and that they intend to change that, but that does n't do anything for me - I 'm still a victim of their deceptive practices. I would still like to obtain a Discover card - and can assure them that I am going to be a good long term customer, but I 'm very discouraged by this practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK
State: CO

Complaint narrative:
I appear to be a victim of credit card fraud. My Discover card ending in XXXX was apparently used fraudently in the XXXX area on or about XX/XX/2017 thru XX/XX/2017 for a total of XXXX charges for {$2000.00}. My credit card company is asking for a report # for a formal policy report, please advise on how I obtain this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Hello, I have a judgment appearing in the public records section of my credit report on XXXX and Equifax. This item has been removed from my XXXX credit profile. My concern is that the date appearing on the item is different on my XXXX and Equifax credit profiles. I 've disputed this a couple of times and never get a satisfactory response. I do not want this item to remain on my credit profile longer than it should be. At this time my dispute is not with the company that filed the judgment, but with XXXX and XXXX for reflecting the wrong date. This judgment was filed against me in XXXX XXXX, so it should be up for removal in XXXX XXXX. I 've included a screenshot of what appears on my credit with all three major Consumer Reporting Agencies, including how it reflected with XXXX prior to removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX account # XXXX they are not showing my updated balance they need to show I have made payments or show paid in full. 
XXXX XXXX account # XXXX this is being reported incorrectly very simple investigate and updateXXXX XXXX account # XXXX they are reporting this incorrectly and need to investigate and report correctly

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There is a judgement on my credit report that does not belong to me. The credit bureau deleted the account from the collection agency but has not removed the judgement, which is the same item.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX collection agency added a brand new collection to my credit report with a date of XX/XX/XXXX for an amount of {$6100.00}. This original account charged off 7+ years ago and this collection dropped my score XXXX points. I demand they remove this debt from my credit report and stop attempt to collect on it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I asked XXXX XXXX ( XXXX ) to temporarily reduce monthly payments on my XXXX card. They replied that, in order to satisfy my request, I needed to enroll in an automatic payment plan for all of my ( XXXX ) cards until I had paid all balances or went off of the payment plan. XXXX assured me that the accounts would not be reported delinquent or late if the agreed-upon monthly payment went through. After a few months of on-time payments, XXXX reported a 90 day late payment on XXXX of my accounts. 
As I had several run-arounds with customer service that kept posting my payments incorrectly messing things up ( I had to close XXXX accounts to avoid further " mistakes '' ), I was told most recently that the 90 day late payment report went already out and therefore could not be changed. I would like XXXX to change the report about a late payment because it never happened since all payments, although reduced per agreement, were made on time.

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

Complaint narrative:
I sent a letter to Equifax letting them know I have been a victim of identity theft and there were several accounts on my credit showing that did not belong to me. Equifax has not removed the accounts and have sent me a letter back saying that the items had been verified. I contacted the courthouse where the public record was filed and they told me that the Circuit Court does not verify any information to the credit bureaus. The information that has been reported has been due to identity theft and has already been investigated however, Equifax is neglecting to delete these items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have dispute this bankruptcy as many as 4 times, and equifax continues to state they have verify that this was a discharged bankruptcy.Actually the bankruptcy was closed/dismissed. 
So it apears equifax is not actually verifying the consumers requested, i have logged on the bankruptcy courts website myself, all this information is available to the public and it shows that the bankrupcy was dismissed and closed.I have attached the actually documents available from that website for verficaation of how simple it is to verify this, which i thinks proves equifax does not actually try to verify this information.I have just filed my 5th dispute today for this bankruptcy, and i think i am going to need help from a consumer agency to actually get equifax to actually do thier job. New dispute number for my 5th dispute is # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are a series of credit inquiries on my reports that I did not authorize. They began appearing after a credit card was stolen from my mailbox. I 've written letters to the companies listed on my reports and have disputed with all XXXX credit agencies to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Since my bankruptcy discharge, XXXX XXXX, 2016. I have disputed incorrect information on my credit reports through all XXXX major credit bureaus multiple times online over the past 3 months. This is becoming very frustrating and although all XXXX CB 's with each complaint, did slightly alter some information such as " chapter XXXX '' when I filed chapter XXXX, the post bankruptcy reporting is not per the Fair Credit Reporting act. All XXXX of the accounts still showing as negative, charged off, are keeping my scores in low XXXX. As well at my debt to income isnt accurate. Please assist me in this step of my attempted credit repair?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
i did n't receive any information about this collection. i also disputed a collection that was vacated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax has continued to report a judgment on my credit despite providing proof that it should not be reporting on my credit file. This has been disputed several times and was removed from my file but reinserted several months later. I have recovered documents from my complaint against XXXX XXXX with the Maryland XXXX admitting that they agreed to completely absolve me of the debt, vacate judgment, cease credit reporting of the debt and stop harassment in exchange for {$3000.00}. I explained this to Equifax numerous times and they have continued to report this judgment even after being provided proof of me being released from liability and connection with the loan and judgment. The loan was joint and collections are currently against the other party and not me. There is a clear statement from the creditor admitting they did not save the written proof but verbally agreed to exonerate me of any and all reporting and collecting including the judgment. There is now written proof of agreement. 

Equifax is also reporting the erroneously entered collection account ( XXXX XXXX XXXX XXXX XXXX ) as a revolving account and it is updating as 30 days late every month. Why exactly is a wrongfully entered collection account reporting every as a 30 day late revolving account?

Company response to consumer: Closed with explanation