vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-26 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Due to the fact that my situation is not properly available on this site as a choice to select above I have been violated by XXXX XXXX XXXX XXXX XXXX Also, by Equifax Credit Reporting Agency and XXXX XXXX XXXX XXXX XXXX does n't have the rights to collect debt in the State of Texas ? They are not abiding by the Law accordingly to the State of Texas and they was suppose to remove themselves from my credit report by sending a letter stating to the Credit Reporting Agencies that they need to be removed. Now that I have made Equifax aware of this they have not done an accurate investigation on XXXX XXXX XXXX XXXX XXXX. So, I checked the Secretary of State Texas Debt Collections Division website and found out that XXXX XXXX XXXX XXXX XXXX is breaking : " Texas Finance Code section 392.101 which prohibits a third-part or credit bureau from engaging in debt collection in Texas unless the third party debt collector has obtain a surety bond and file a copy of the bond with the Office of the Secretary of State. Also, you can not operate in the state of Texas with a P.O. Box '' I am in need of another Investigation to remove them from my credit report please.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Fraudulent inquires have posted to my credit file I did n't NOT Authorized I should have police reports on file with company as I 'm an victim of ID Theft this is FRAUD and I 'm demanding these Inquires be removed ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have disputed a account with all XXXX credit bureaus for XXXX XXXX. The first time it was deleted. Then it appeared again under another company. I have been disputing it since and I have requested documentation with my signature to verify the account and to this day I have received nothing but somehow it keeps coming back verified when I dispute it. I would like this item deleted off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint Equifax has refused to provide me with documents regarding XXXX bankruptcy public records on my credit report. I am a victim of identity theft and have never filed bankruptcy. I also reached out to the court and was advised that the XXXX XXXX Court does not report information to any credit reporting agency, and does not have any information on file. This matter has now gone past 30 days unverified under section 611 ( 5 ) A ) of the FCRA, please have equifax delete this information, please assist with resolving this matter asap. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have sent in a couple dispute letters for some collections that are not mine. I have never been to these place the hospitals on the collection companies books. Nothing has been done and when I call the collection companies they threaten to sue me! why ... I never had treatment and if I did my insurance would have covered it and a co-pay I also have money for that. I 'm hoping the credit bureau will do their best to help me bc i 've already tried disputing and nothing has happened. I uploaded the documents requested thx

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
When a corporation, bank or any institute checks on a credit rating, and then denies XXXX because of that rating should not be allowed to use that to " ding '' a credit score. Also I do not like the idea of a credit reporting agency to take points from the consumer if the service from the inquiring identity denies that service. We as Americans are being destroyed by these banks and credit reporting agencies and they are using the excuse that the government and the FTC allows them that freedom to do so. It is time that the FTC and government agencies to step in and look at how the credit agencies and lenders are using the credit score system. I have yet in the past 5 years been able to build my credit up because of these units using the credit score for purposes of denials of many infringements, such as, employment, bank loans, credit interest rates and so on. The Credit reporting agencies are basically at their own discretion on how they wish to destroy us by means of manipulated our scores for their own selfish purpose. This country will soon fall to other countries like XXXX, XXXX, XXXX, etc. and our freedoms are going to be taken away totally, and corporations with their greed are the ones causing this to happen, and our government is allowing this. Look at history, it will again repeat itself and the USA will be destroyed like the XXXX, XXXX, XXXX, etc destroyed themselves through greed. Please stop these corporations from destroying the American people for their own personal greed 's. The government has taken away our constitutional rights and when the foreign country takes control of this country will abolish the government as it takes over.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
hello equafax continues to refuse to delete inquiries on my name that i never applied for also they deducted XXXX points off my score for no reason

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Equifax is reporting false information about a satisfied judgement. I have asked them to investigate this, and they have and came back and said that the judegmeent was valid. Attached is a letter from The Honorable Judge XXXX " XXXX '' XXXX XXXX XXXX XXXX Court, who claims this was never even reported to any of the XXXX credit reporting agencies. Also attached is the information that is published on my report, and my additional attempt at disputing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-26 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: WLCC
State: HI

Complaint narrative:
Lender WLCC XXXX/DBA Arrowhead Advance is charging interest rates in excess of State of Hawaii lending regulations. WLCC XXXX is a company registered in California with XXXX XXXX listed as its CEO/CFO and the sole Director. Additionally WLCC XXXX has a mailing address for payments in Delaware where it is hiring loan processors. Additionally a XXXX search of XXXX XXXX shows his involvement with the XXXX that more then likely gets a tiny portion of the loan with a substantial amount of the loan going to WLCC XXXX. 

WLCC is not a licensed lender in Hawaii. WLCC XXXX is using its relationship with the XXXX XXXX XXXX to avoid state lending laws by taking advantage of the XXXX sovereignty. Considering that WLCC XXXX is a California registered company, and has loan processing and payment operations in Delaware it is not a true XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-29 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: DISCOVER BANK
State: FL

Complaint narrative:
I took out a XXXX XXXX from XXXX which was then bought by Discover. I received a deferment on paying back the loan and the loan capitalized adding {$500.00} to my principal. Discover never adjusted the principal amount when reporting to the credit reporting agency so although I 've paid over {$800.00} in principal its being reported that I 've paid far less which has had a negative impact on my credit score and ability to obtain credit. I attempted to resolve this issue through Discover but they refused to help. Then I attempted to submit a dispute with the credit agencies individually by providing them with a statement of all the payments made to Discover showing the Principal amount is inaccurate. They completed their investigation and refused to correct the error because Discover informed them the principal amount is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: N.A.R., Inc.
State: UT

Complaint narrative:
I received a letter in the mail today from a bankruptcy office stating that a company named NAR INC. was awarded a judgment against me on XXXX/XXXX/2015. This is the first Ive heard of it. Previously, I had tried to work out a payment plan with NAR, INC ( North American Recovery ), but they would not accept anything lower than {$50.00} per month. I failed to pay them the XXXX payment due to the fact I could n't afford this payment, now 1 month later they were awarded a judgement? They would not accept the {$25.00} a month payment I offered them. Then I never heard from them again. Now I 'm getting a notice from a bankruptcy lawyer wanting my business. I had no idea there was a court date, or if there was even a court date. I would have liked the opportunity to tell a court how much I could afford to pay them. I just checked my credit report, and sure enough there is a judgement against me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13 00:00:00
Product: Credit card — 
Issue: Cash advance — 
Company: DISCOVER BANK
State: OR

Complaint narrative:
For many years now I have been paying my Discover credit card balance on time but recently decided to look into in more details, it seemed that little was applied to my principal, the worse is that I noticed for many years now the " BALANCE SUBJECT TO INTEREST RATE '' on purchases decreased while " BALANCE SUBJECT TO INTEREST RATE '' on cash advance has been increasing at much higher interest rate has increased month after month for many years since as far as XXXX ( Discover statements are not available past that year XXXX XXXX for me to assert with full certitude that the practice did not start at a earlier date ), in XXXX XXXX my cash advance balance was at {$1600.00} and it is now in XXXX XXXX at {$6900.00}. The cash advance as of XXXX XXXX was at {$0.00} and it has been at {$0.00} to this date in XXXX XXXX, so I am not quite sure how it is possible for a " BALANCE SUBJECT TO INTEREST RATE '' on cash advance to increase on that basis, on the other hand allow " BALANCE SUBJECT TO INTEREST RATE '' on purchases shifted/moved to " BALANCE SUBJECT TO INTEREST RATE '' to cash advance at a much higher rate all the sudden for years. The XXXX Card Act is very clear on the rules on payments allocations and for years it was not done putting us through financial distress for years now.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: GA

Complaint narrative:
CBS ( debt collector ) is charging a 35 % collection fee that is prohibited in the State of Tennessee. Tenn.Code Ann. XXXX " Collecting or attempting to collect from the debtor any fee, commission or other compensation not provided by law for collection services rendered to a client ... '' XXXX XXXX XXXX XXXX XXXX ( creditor ) has assured me that they are not trying to collect interest or any other fees, only the amount owed ( {$8600.00} ). I have asked CBS to itemize the {$3000.00} in writing and they refer me back to XXXX XXXX XXXX XXXX XXXX and to my original agreement. The original agreement allows the bank to collect interest, attorney and court fees to the extent the law will allow. Section 808 ( 1 ) of the FDPCA allowed the addition of collection fees when " such amount is expressly authorized by the agreement creating the debt or permitted by law. '' I have spoke with XXXX XXXX regarding the {$3000.00} who advised me that is it a 35 % collection fee of the balance owed ( {$8600.00} ). 
This collection agency has had all the information needed to collect on this account. This account was referred to them in XXXX of 2012, and they have not attempted to collect this debt. The {$3000.00} is a collection fee charged by CBS not XXXX XXXX XXXX XXXX union and these fees where not agreed upon at the time the debt was acquired.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Eagle Financial Services, Inc.
State: OH

Complaint narrative:
I purchased my vehicle XXXX Cadillac Deville DHS from a Buy here Pay here car dealership on XXXX/XXXX/XXXX. The buy here pay here then sold my account with them to Eagle Finance. The loan terms and payment amount stayed the same. It was sold to them XX/XX/XXXX. Prior to being sold to Eagle Finance the car was constantly having engine mechanical problems. I was making payments plus paying for major repairs. XX/XX/XXXX the car engine failed causing again causing more money to be paid out to be fixed. the coils, spark plugs, coil module went out causing over {$1000.00} in repairs. the car also needed new struts, and shocks which was another {$800.00} repair. As of today XXXX/XXXX/XXXX the car is still broke down and not running. The fuel pump is out and the coils and spark plugs and cylinder XXXX, XXXX, and XXXX are out and the will not fire, if it does does start it runs rough and then stalls. I was put in a hardship by trying to make my car payments plus pay all these engine repairs. Eagle Finance did n't wan na hear about my hardship or problems. I told them to come get my vehicle and i would voluntarily give it back, they refused. I figured they could auction it off and sell it and i could pay the deficiency balance and again refused. On XX/XX/XXXX i get a letter from XXXX XXXX XXXX XXXX advising the amount due is {$4500.00} I was told by XXXX XXXX on XXXX/XXXX/XXXX that the balance is now {$4800.00}. The loan was defaulted and charged off by Eagle Finance. So I was told that {$300.00} was added additionally for court cost by XXXX XXXX XXXX, how can i be charged for court cost when this account has not been filed in any court. They are trying to add hidden fees and take advantage of the situation. Eagle Finance wont repossess the car because they know the value of the car is worth less then what is owed. The vehicle has XXXX miles on it and the XXXX value to a private owner is {$2500.00} as of XXXX/XXXX/XXXX. The office manager ( XXXX ) at Eagle Finance laughed and told me that there was n't anything the CFPB can do. if nothing is not rectified I will be filing a lawsuit against XXXX XXXX and XXXX XXXX XXXX for predatory lending, XXXX states have passed anti-predatory lending laws. XXXX, XXXX, XXXX, XXXX, XXXX, North XXXX, XXXX, XXXX, XXXX and XXXX are among those states considered to have the strongest laws. Other states with predatory lending laws include : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. These laws usually describe one or more classes of " high-cost '' or " covered '' loans, which are defined by the fees charged to the borrower at origination or the APR. While lenders are not prohibited from making " high-cost '' or " covered '' loans, a number of additional restrictions are placed on these loans, and the penalties for noncompliance can be substantial.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11 00:00:00
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK
State: AZ

Complaint narrative:
This is the XXXX time i am going thru with Discover Credit card. I had used discover credit card to buy the mobile app for my kid and it was installed on tablet. My kid who is just XXXX yrs old tried to purchase some more apps on his own and he was able to do it successfully without the authorization of anybody ( like me ) who is at least XXXX or XXXX years of age. When i noticed the charges - it was bit late. Called Discover - they simply closed the account and issued me a new/replacement card ( coming in around 6 business days ). Later called XXXX support to remove the charges. Discover could have very well blocked those transactions all coming from XXXX but they decided the hard stop. All my legitimate transactions ( which i already told to Discover customer service and Fraud department ) are also impacted now which requires great deal of time and efforts from my side to make it thru. 
Finally i need to talk to XXXX customer service and revised my payment method so that the order can go thru. Has it been the case that Discover resolves these issues properly - one does n't has to go thru all this. 
For any online retailer -when they store the credit card - these attributes are required:1 ) Card account # 2 ) XXXX date3 ) Billing zip code4 ) CVC/CID - XXXX or XXXX digit # on the credit card. 
Why discover does n't stop XXXX or some other online retailer to save everything so that these kind of purchases are being challenged and users are asked to enter CVC/CID # at least? This is a major security flaw in terms of how XXXX and Discover are working and great concern to parents like me. 
This is the XXXX or XXXX time with me that i am victim of fraud with Discover card during the last 4 yrs itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Total Recovery Services, Inc
State: OH

Complaint narrative:
My husband and I were denied a mortgage because of credit history problems. This was a shock to us. We found out that a debt collection agency kept abusing my credit history each month without my knowledge. It turned out that when we moved XXXX miles away- there was a medical Bill that was unpaid. I have always been on top of my things ( paying bills, changing addresses etc ). USPS had a forwarding address on file. Somehow the debt collection agency claims that they received returned mail. 

My understanding is that they did not bother to do anything at all to try and contact me. They have no proof that they could provide. In todays world it is not hard to track someone down who live openly online. Why did I not get bills forwarded from the doctors office, or from the collection agency or even phone calls or anything at all for 6 months? 

I had to contact the collection firm to pay the bill! I feel cheated and I know that nobody can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Miller, Stark, Klein and Associates
State: SC

Complaint narrative:
I received numerous calls from different numbers stating that I owe {$500.00} credit card debt from XXXX XXXX received in 2010. I have never had a XXXX XXXX Card. That state there are several complaints issued against me through XXXX County. I called XXXX County and they state it is fraud.

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 2015-10-07 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 have been having issues with Rent Recovery Solutions LLC. The representative who is in charge of the account with my name on it, " XXXX XXXX '' will not withdraw my debt for XXXX accounts that are in collections. XXXX account, for XXXX in XXXX GA was for a broken lease for XXXX XXXX, with my name printed on the lease but was never signed by me. The other account, for XXXX XXXX XXXX, in XXXX, GA was also an apartment complex that Rent Recovery Solutions says I owe for a broken lease but my name is missing from their collection documents and so is my signature. Rent Recovery Solutions, LLC. will not allow me resolve this debt unless the apartment complex 's corporate office sends them something in writing. The corporate office for XXXX XXXX XXXX, named XXXX XXXX, was able to send in a " debt cancellation/debt withdrawal '' letter acknowledging that they did in fact send my information to Rent Recovery Solutions LLC in error. XXXX XXXX at Rent Recovery Solutions, LLC. advised me on XXXX/XXXX/2015 that she did receive the letter from XXXX XXXX XXXX XXXX XXXX, 'XXXX '' ( Phone XXXX ) to withdraw my debt and that it would take 45 days to remove from their system. She advised me that this would not be removed from my credit report and that there was also still an unpaid account left in my name for XXXX XXXX XXXX XXXX. I recently visited XXXX XXXX XXXX 's Leasing Office with documents from Rent Recovery Solutions proving that my name was missing from their documents and they advised me to get in touch with corporate to have it removed from collections due to error also. I contacted the corporate office of XXXX XXXX XXXX, named XXXX XXXX ( Phone XXXX. XXXX. XXXX ) on XXXX/XXXX/2015, and they advised me that they did not have my name in their system as having a lease with them. I asked if they could send something in writing to XXXX XXXX at Rent Recovery Solutions proving that this account was in error, and the representative at the corporate office advised me that all he could do is call Rent Recovery Solutions and asked for it to be removed, he refused to send any documents on my behalf in writing. After following up with XXXX XXXX at Rent Recovery Solutions, she was becoming very difficult to work with. She advised me that she understood my name or signature was not present on any of the documents she had on file for my account but said my only XXXX options were to get the corporate office of XXXX XXXX XXXX to send something in writing or pay a debt that was not mine. I am unable to get any more responses from the corporate office or from XXXX XXXX at Rent Recovery Solutions and wanted to reach out for more assistance before this becomes a legal matter. XXXX XXXX 's at XXXX XXXX XXXX direct number is : ( XXXX ) XXXX. Please assist me with getting these invalid debts removed from my credit history.

Company response to consumer: Closed with explanation