vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-27 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: DISCOVER BANK
State: DC

Complaint narrative:
Discover purchased my private student loan from XXXX, and refuses to acknowledge a {$20000.00} deposit made on the principal balance inside the XXXX VA XXXX branch, made in person, on XXXX XXXX 2008. Discover has no record of that deposit, and is blaming XXXX. Except XXXX is claiming that they do in fact have record of the deposit and claim all of that information was given to Discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: DISCOVER BANK
State: AZ

Complaint narrative:
I made a purchase of {$490.00} on XXXX XXXX, 2015 using my Discover it card with XXXX. Discover was running a promotion offering 10 % cash back on purchases made using XXXX. Discover has not paid the 10 % cash back that was promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I filed a dispute in XXXX against the collection agency known as XXXX ( XXXX ), account number XXXX Phone number XXXX with equifax sometime in 2013. Equifax failed to obtain evidence from XXXX that validates the debt. I have not received within accordance to Landlord/Tenant law an itemized receipt to verify money owed to XXXX Court. I paid a large deposit and feel that was sufficient to cover expenses. Consumer reporting agencies must correct or delete inaccurate, incomplete, orunverifiable information and they have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: DISCOVER BANK
State: PA

Complaint narrative:
I recentally went though a financial hardship and got behind on my Discover credit card. My acount was understandably suspended. I was able to get things back on track around XX/XX/2015. I spoke to a Discover card employee and explained my situation and advised I was able to pay my balance in full but asked if there was any way to get my account reactivated. She advised me that after 3 months of on time payments I could call and request to have my a count reinstated so I followed her advise. After 3 months I called to follow up and was told it was 6 months and I had to fill out paperwork which he would mail to me. A month later I never recieved the paperwork, called back in and was told they would mail it to me again. Now yet another month later, and no paperwork, I called to follow up and was told there was no paperwork involved and the computer automatically decides what accounts to reinstate or not reinstate at random. I am trying my best to get my credit back on track and make up for my mistakes but Discover has continental to play games with me and give me false and varrying information each and every time I call. Had I known this I would have paid the account and closed it months ago but instead I followed the false advise I was given. I am very disappointed in there lack of customer service to say the least.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-24 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: DISCOVER BANK
State: NY

Complaint narrative:
Last year, when I was facing some severe financial hardship, Discover Card customer service admirably assisted me by reducing my rate to 12.99 %. I did not realize at the time that this was only a temporary measure. Today I opened my Discover Card bill and found that a check I had mailed out on XXXX XXXX was not posted to my account until XXXX XXXX, fully two days after my payment due date, and that my interest rate had shot up to 22.24 percent. In comparison, it took XXXX XXXX XXXX two days to post my check payment to my account with them. Both checks were mailed the same day to the same city : XXXX, North Carolina. I immediately logged into the Discover website to reach out to their customer service department. CSRs XXXX and XXXX gave me some facile, patronizing, dismissive answers about why it took over two weeks for my check payment to clear & why my APR increased so drastically and suddenly. According to XXXX my rate was raised to a usurious 21.99 % because I had missed one payment in XXXX, FOUR FULL CALENDAR YEARS AGO, followed by a further .25 % increase due to the Federal Reserve 's recent rate hike. I have paid early or on time every month, at or above the minimum required payment, my credit rating is the highest it 's been in years, then their company almost doubles my APR and then offers to " reduce '' my rate to slightly above 20 percent, a disgraceful slap in the face of a customer who has been nothing but loyal to their company since XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-26 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: DISCOVER BANK
State: NC

Complaint narrative:
Discover Bank and Discover Card have been ridiculous unfair to me as a customer causing unnecessary stress. Lying about the status of my account. Causing strains to my credit report. Not blocking continuous fraudulent activity on my account. Making no concession for issues that occur because of their lack of preparedness and the effects it has on me as a customer. I am made to suffer all the issue that arise from their lack of preparedness and the Discover Bank side inability to function as a proper bank. They can not do simple functions that banks are able to do. They do not provide information upon request. 

I have recorded conversation from Discover Credit saying what will happen to my account after the 2nd time Discover Bank will return payments. 
In the attached documents you will see how even though I am paying my DISCOVER credit card through DISCOVER bank. There is a delay. Discover credit card will send a confirmation saying they have processed the payment and everything is okay and Discover bank will show nothing. Discover bank also does not show any pending transaction ever. ACH transaction are never shown as pending even after Discover Bank has received them just suddenly appear on your account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax is reporting unverified accounts on m y credit report. This is in violation of the Fair Credit Reporting Actm Section 609

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I contacted the Federal Bankruptcy Court once again on XXXX/XXXX/16 with respect to account ID # XXXX, ID XXXX and ID XXXX. The clerk stated that " they did not provide any information to the Consumer Reporting Agencies and the Court could not delete an inaccurate account. I then contacted Equifax and spoke with XXXX who then transferred me to the supervisor " XXXX ''. Equifax continues to document and state that the Courts have furnished the accounts to the Consumer Reporting Agencies and refuse to grant me the name and/or address of the third party vendor who provided the information to Equifax. The account are [ n ] ot mine are damaging my credit and life. Equifax refuses to provide me with the method of verification as required under 611 ( a ) ( 7 ). Equifax failure to accurately verify these accounts have devastated my credit score and my credit worthiness. Denial of this request violates Federal Law in addition to my Consumer rights. According to the FCRA all unverified accounts must be removes from my credit file if you can not provide proof of claim and or verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have recently submitted a complaint regarding alleged fraud thought to be perpetrated on my sister and mother through XXXX XXXX, now XXXX. As of two days ago, XXXX has placed a hard inquiry onto my own credit report. They were not given permission, I did not ask them to, it 's harmed my credit by XXXX points, and I did n't submit for a loan, mortgage and was in no way even in contact with XXXX. 
I believe XXXX may be wondering who I am and have sought information about me through a hard credit inquiry. See below.. 

Hard Credit Inquiries Since your last update on XXXX XXXX, 2016, XXXX inquiry has been added to your credit report. 
Lender Industry Inquiry Date Reported By XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, 2016 Equifax You now have XXXX inquiries on your credit report. 
View Credit Inquires View Credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Equifax refuses to remove this from my credit. The bankruptcy courts of South Carolina do not report to the credit bureaus so this is reported thru a 3rd party which is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax has been reporting XXXX bankruptcies that do not belong to me. I keep on disputing and these credit reporting companies responded with verify and validated which is not true. I went to XXXX Bankrupty Court in person to investigate and Spoken with Court of Clerk. She informed me it could be computer error or someone with same name but they did not verify or validate information on credit file. See attached letter from Clerk of Court

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-13 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
Under current federal law, the XXXX credit reporting agencies are suppose to let you review you credit report annually. I have tried for XXXX years and I always get various online replies from the XXXX agencies that they can not process my request or that I have already requested a report. It seems like if you do n't buy their additional credit products they refuse to give the consumer their free credit report as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-17 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Per FCRA. 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Complaint Equifax has reinserted the following Accounts and Tradelines onto my credit file without the proper notification. 
XXXX County Case # XXXX, XXXX County Case # XXXX, XXXX XXXX Account # XXXX, XXXX # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX US Bankruptcy Case # XXXX, US Bankruptcy Case # XXXX, XXXX XXXX XXXX Account # XXXX I spoke with a female representative on XXXX XXXX, 2016 at approximately XXXX for over XXXX minutes, at which time I was transferred to the Special Handling department. I advised the representative that many accounts had been removed or deleted from my file to which she said that they were re verified, I proceeded to ask her how that took place and she replied that the tax liens were verified through the courts. I asked her who they speak with and she just repeated " the courts '' I asked for the number and I called the courts directly and spoke to an court clerk and she advised there was no way to prove that someone Equifax had called to verify my alleged accounts. I have spoken to both XXXX County NC Clerk of Court and US Federal Bankruptcy Courts and they both advised there is no record keeping system or verification pertaining to credit investigations from Credit Bureaus. I have yet to receive a definitive answer from either court. So I question the validity and verification process from Equifax. 
I was never given the proper notice on the aforementioned accounts there for my Equifax has denied my right for due process afforded to me under the law. I am demanding that Equifax remove these accounts and tradlelines from my credit file. These injurious actions have lowered my credit scores and there by jeopardizing my ability to secure a mortgage or loan with beneficial interest rates and terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Due to medical issues, I had to declare bankruptcy in 2014. The bankruptcy, including all medical collections, was discharged in XXXX 2014. I have worked really hard to rebuild and have been successful with everyone except Equifax. I have disputed a medical collection that they are reporting as open XXXX different times. Each time, they report back that the debt has been verified, although they have added comments stating 'Account closed at consumer 's request - Chapter XXXX bankruptcy ', and they continue to report the account as Open. This is negatively affecting my FICO score. Equifax will no longer allow me to dispute this online. It 's a really simple matter to mark the account closed and it is perplexing why Equifax ca n't seem to get it correct. Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
A less vague guide to improving a credit score could be provided by the designers of the credit score analytics ; FICO and XXXX. The bland recipe for starting, maintaining or correcting scores is not very helpful. Things like, pay your bills on time and do n't use too much a of a credit line can be arrived at through the use of some common sense.These " tips '' are much too generic to be truly helpful to consumers. They should advise us what the real story is. Tell consumers exactly what they should do to improve their scores and be specific. If paying off that past due XXXX card would raise my score by XXXX points than let me know. If paying of that {$400.00} balance on my auto loan will raise my score by XXXX points than tell me that. Bobbing and weaving through the vagaries of credit scoring for the average consumer is impossible. A transparent, easy to follow, step by step formula for increasing consumers credit scores would do a world of good for everyone from the most unsophisticated consumer on up. The credit scorers will come back, once approached with this idea, and claim it is impossible to do. They will assert that they do n't know what other factors may occur affecting your credit score to enable them to make a specific prediction as to a drop or increase in a score. My answer to that is for them to add a disclaimer saying, " If no negative factors related to your current score are reported your score should increase by approximately " xyz ''. This will at least give some guidance as to which specific accounts are more important to your score. I received my free XXXX report and score ( based on an Equifax credit report ) from XXXX to XXXX, XXXX substantial items changed on my credit report yey my score did n't change at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
This was a case of identity fraud. Someone was using a stolen checkbook and my name for various things during this period. The person/persons were prosecuted. XXXX of them were caught at a bank cashing my checks, along with others. I did not file identity theft because I did not know until later and was too busy fixing my own life.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Whenever I try to get my credit score report from online I get the message " We 're sorry, for your protection we are unable to deliver your Free Annual Credit Report online. '' I need my credit score report urgently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There is a dismissed bankruptcy on my credit report that belongs to my father. We share the same name, however he is XXXX XXXX XXXX, and I am XXXX XXXX XXXX. I have never filed bankruptcy. I have repeatedly attempted to have this information corrected, to no avail. Equifax claims to have " verified '' the information..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I was filing for my credit report and they started asking incorrect information about me. It stated I had mortgage loans being open around XXXX XXXX, Retail cards being opened around XXXX XXXX & a bank card being opened around XXXX XXXX and all of that is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-05 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax 's online system failed to temporarily lift my credit freeze, for both myself and my wife 's accounts using the valid XXXX digit pins we were previously issued. XXXX and XXXX both worked fine the first time. Additionally, Equifax has no alternative options on the weekend to lift the freeze and maintains limited phone support hours during the week. The last time I had to temporarily lift a credit freeze they also mis-managed the situation and made it difficult. 

Equifax is a poorly run credit bureau and I hope that they will cease conducting business and be replaced with a reasonably well managed and deserving alternative.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint because Equifax has ignored my request to open investigation in regards to accounts listed on my credit report. Being that they have gone past the 60 day mark and confirmation shows they have received my dispute over 60+ days ago, under Section 611 ( 5 ) ( A ) of the FCRA XXXX they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: VA

Complaint narrative:
XXXX XXXX, XXXX I have provided Seterus with my XXXX County Property Tax Examption Certification for the tax year, as instructed by my County Property Tax Office. about a month ago. Their " telephone customer service '', determined that a " check for approximately $ XXXX+ was issued to me and sent to me back in XXXX, XXXX, for the tax year XXXX. I never received this check. Though a small amout about a {$100.00} refund ( unrelated ) subsequently I did received XXXX, XXXX time frame. So, after being in phone conversation, each time about an hour, with Seterus Tax Dept ( XXXX XXXX ), and Seterus Customer Service, I was told on XXXX XXXX, XXXX, a check for {$2900.00} ( aprox ) was being issued, and sent to me by mail to my mailing address, within 7 to 10 days of XXXX XXXX, XXXX ( the day I called first regarding my " Property Tax refund check for XXXX '', after faxing them the " Property Tax Exampt Certificate from my XXXX County Property Tax dept, as suggested by the county tax officer. This was the 2nd one hour phone call with Seturus Customer Service. 
Today, XXXX XXXX, XXXX, I called Seterus Customer Service again. After holding for 56 minutes on phone, with this customer service rep, she told me something very different. 
I was told that no check was sent to me, as promised on XXXX XXXX, XXXX. That an " escrow analysis '' will be done on XXXX XXXX, XXXX, as they do that once a year. After that, they may or may not send back the " XXXX TAX Refund Check ''. 
I have a family medical emergency with XXXX family members, and I have medical bills to pay, and this " uncertainty '' and repeated misleading statements and required enormous time spent on phone with their customer service dept, is an enormous burden. Seturs by the way, was selected about 4 years ago, when I did a loan modification via the Federal government, and this company was selected by the FHA loan that I had at that time, via loan modification protocol I submitted. I have never defaulted on any monthly mortage payments since that time, and have set up automatic withdrawl each month as per their instructions from my checking account, renewed every three months since then, by phone as required by Seturus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am challenging Public Record Information on my credit reports as being inaccurate in its filing. The bankruptcy was initiated by the Federal Court, a government agency. Accordingly the term " Dismissed '' means that it is adjudicated by the law. The filing case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation