vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: DISCOVER BANK
State: VA

Complaint narrative:
For 8 months I worked with Discover Home Loans on a mortgage. They approved my initial request, locked in the rate and gave me a " close on time guarantee. '' At one point I asked to increase the amount of the loan ( when I was worried my house would n't sell before the new house was done ). I was told that increase was approved. Then my house sold and I requested that they go back to the original amount approved. That was 2 months before closing on my new house. They continually assured me that my mortgage was approved. Before XXXX XXXX, 2015 they knew the closing date of XXXX XXXX, 2015. They failed to close and my family was left without a place to live. On XXXX XXXX they failed to close because their paperwork was not ready. On XXXX XXXX they failed to close because there was an error in the amount of the loan. On XXXX XXXX they failed to close because they had the wrong zipcode on their paperwork. On XXXX XXXX they failed to close because they could n't get their work done. On XXXX XXXX I borrowed from my retirement plan and settled on the new home -- because my family was left homeless by the " game-playing '' and failure to follow through of Discover Home Loans. I want everyone to know of the nightmare they put me through. I have extensive documentation to prove what I am saying. The settlement company said they have never seen a customer treated so badly. This was abuse and something should be done to stop them from making promises they ca n't keep. The " {$1000.00} guarantee '' that they will close on time is worthless because they only pay out if you stay with the abuse and close with them. It is a racket and should be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK
State: NC

Complaint narrative:
In XX/XX/XXXX my husband and I opened up a Discover credit card..we were never late until our infant daughter passed and we had many unexpected bills to come up. This account got a few months behind and was charged off. However in XX/XX/XXXX the account was paid less then full but {$400.00} ( we owed I think XXXX ). However, DISCOVER are STILL REPORTING IT as past due/late EVERYMONTH even though the amount was " settled for less then amount ''. They have really jacked my credit up for YEARS NOW and we had NO CLUE until recently when trying to refi our house we were told about it! I could not believe this! I do have a letter stating where it was paid in exchange for the lesser amount! I also have the offer letter then sent me as well BUT THEY ARE ILLEGALLY REPORTING STILL that its still " late '' every single month and have done so since XX/XX/XXXX!!! FOR 6 YEARS!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: MORTGAGE LENDERS OF AMERICA
State: TX

Complaint narrative:
I had put in that I was interested in a mortgage with XXXX. I was inundated with emails from XXXX XXXX even though I never responded. He called many times until I finally answered. Although I told him I was not interested in a VA loan he would not let it go and I had to finally be rude and cut him off to tell him I was done with him. When a customer says they do n't want to do something then that 's where it should stay.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2016-05-25 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: DISCOVER BANK
State: MO

Complaint narrative:
A criminal in Massachusetts called Discover and requested a card in our name and number on XXXX XXXX, XXXX. Discover asked them questions which answers could be found on our driver 's license. They did not use security question answers which I assumed they would. They received a card on XXXX XXXX, XXXX and began charging at XXXX in XXXX, MA ( the first charge which was {$210.00} ). Then charged another XXXX charges at different times at XXXX each over {$200.00}. They also went to a few fast food places and a XXXX in XXXX, MA ( both charges over {$200.00} ). 
We found out about this when my husband tried to use his Discover card on Saturday, XXXX XXXX, XXXX and it was declined. He told me when he got home and I immediately called Discover Card Services. They said that they had sent out a card to a person claiming to be my husband, XXXX XXXX, in Massachusetts. I asked why they did not call me or email me to verify the request. They said that they had tried " several times ''. I never received a call or email. I told them that I had not received a call or email. I have credit card protection with them which I pay for annually. Some protection. 
Can you help us? 
This same scenario happening to us XX/XX/XXXX with our XXXX XXXX. 
They gave us the same response of having called and emailed several times. I never received an email or call. The charges also originated from Massachusetts. 
Something is occurring at these credit card companies that, in my opinion, appears to be internal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-19 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Weber & Olcese, PLC
State: MI

Complaint narrative:
In XXXX of 2013 I was sent a notice from XXXX XXXX XXXX to go to court for an outstanding bill of apx. {$8000.00}. I wrote back and said I did n't understand how they could take me to court for a bill so old ( it is about 8 years old. ) I told them that I went through a period of bad health and divorce. I got behind with the IRS. They have reviewed my case and put me in " non-collectible ''. I told them the best I could do was {$25.00} a month. They agreed on that. I have a contract signed by the judge that says that I will pay {$2500.00} a month. This year when I had my taxes done they took my {$150.00} refund from the State of Michigan. I contacted them and they said " does it say on the contract that we can not take that money? '' I said no, but it does say we agree to {$25.00} a month. Well they kept my money. Can they just go in on any of my assets and just take them, even though we have a contract stating payment terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Professional Placement Services, LLC
State: MD

Complaint narrative:
I have requested verification of debt that I do not owe and the company will not send me this information however they keep sending me letters for an account that is not mine.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: DISCOVER BANK
State: PA

Complaint narrative:
Discover card placed this account with this law firm after my attempts to negotiate a long term payoff plan at lower interest failed. This was explained to this firm, however they just sued me in XXXX court for this unsecured debt without notice. Never sent certified mail or anything to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I disputed recently the XXXX XXXX XXXX card that is showing up on my credit report with you because the card was opened without my knowledge this is the case of identity theft you have removed all the other accounts that were opened but for some reason the XXXX XXXX XXXX card is staying on there Equifax is the only one thats reporting this the other XXXX credit reporting bureaus have removed the account as being fraudulent why formation and do you have that 's proving this account belongs to me I mean my credit report have shown variations in my social security number being used at one point there where a couple mail forwarding addresses that have been removed at this point I mean obviously it has my name on the card and I would imagine that a lot of the information is very similar or the same this is why its called identity theft but I would like details as to what information you have obtained that has led you to the conclusion that this card belongs to me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: Seterus, Inc.
State: TX

Complaint narrative:
Effective XXXX XXXX, XXXX my mortgage was transfer to Seterus from XXXX XXXX XXXX. I was receiving statements prior to XXXX XXXX for over 8 yrs and four of them were during my Chpt XXXX. Seterus is refusing to send monthly statements after several requests in writing. They have yet to acknowledge acceptance of my request in written. On XXXX XXXX, XXXX thru my own investigation, I found they refused to renew my homeowner 's insurance with XXXX and that they had placed their own forced placed insurance on my home without notifying me. My insurance coverage had not lapsed in 9 yrs. Their excuse was I 'm in a active chapter XXXX and they do not have to communicate with me. My bankruptcy attorney has provided docs allowing communication between us and Seterus has verbally acknowledge letter is on file. Yet I can not get a simple, request for verification/proof of insurance. Instead they added insurance coverage and deducted the amount out of payments to Seterus causing a deficit. Imagine my surprise as I spoke with Seterus ' representative. After several days of conversation between Seterus, XXXX and my self, Seterus claimed they had removed the forced placed insurance and sent a check to XXXX ten business days ago. They claimed they refunded my account for insurance payments from the forced placed insurance. When I ask for proof, they " do not have to provide it to me as I 'm in an active chpt XXXX. '' By the way, XXXX has yet to received said payment. Another issue I have with Seterus is I 've been working to refinance my home thru HARP and they have done everything from sending out payoff that expires within XXXX hrs to refusal to provide 30 day payoff, to not giving a payoff that 's long enough for us to close on our loan. They state " it is against our policy '' to provide what seems to be an industry standard. Escalating in this company is pointless. Everything takes 7-10 business days to get, even if the error was on their part. They continue the same error over and over again and yet bill us each time. It takes them 7-10 business days to process your payment once they received it. Industry standards take 24-48 hrs for any of these type of requests. They never acknowledge anything in writing upon requesting information from them. This company is doing what they want to and always quoting it 's their legal right. What rights do I have as a homeowner fighting to keep her home?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Thet are reporting old address on my credit file that were never mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I disputed the following accounts with Equifax. 
XXXX XXXX XXXX- XXXX I have disputed this information multiple times to Equifax. They keep saying they verified information with the following companies. These companies have stated they do not have validation to the Consumer Financial Protection Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I recently applied for a personal loan with a bank I have done business for many years. 
My load approval was rejected based on information contained within the credit report from Equifax. Reason stated serious delinquency, time since delinquency is too recent. 
The bank gave me the agency that reported this information. I contacted XXXX XXXX XXXX company an ask to speak to a supervisor about the information reported. I was informedmy payments were not submitted on the due date an were reported as 15 -30 days late for several months. After reviewing my account they determined my payments were made in advance of the due date but within the same month and therefore when the due date arrived it was reported as nothing received. It is not that payments were not received in advance of the due date, but the posting did not show early payments in theresystem. I ask if they could contact the credit bureau and have the delinquency statement removed. They told me nothing can be done. My complaint is I have been charged withnumerous delinquent payments each month when in fact I not only paid the amount due each month I paid more than the minimum and long before the due date. They do not dispute this statement and thanked me for being a good customer, but there is nothing they can due to change this reporting. I believe this not only to be unfair reporting, but has greatly affected my overall credit score reducing my score very low. I want them to contact the agency and remove all this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are 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 2017-02-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
A credit collection company forgave some debt. I received XXXX XXXX 's in the mail. The credit collection company is still reporting the balance before the forgiveness. I sent copies of the XXXX 's to Equifax and they are refusing to change the balance on these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-18 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
on XXXX showing should be removed over removed will not be removed. showing opened it is closed only account is mine is XXXX and XXXX inquiry is not mine sent in XXXX police report and federal trade commission avidavitplease removed from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My wife and I are XXXX XXXX members, serving in XXXX. My wife claims XXXX as a state of legal residence, and pays state taxes ; I do not. I was served with a Tax lien by the state of XXXX despite not requiring to pay state taxes. I have tried to dispute that with them, but after providing the information they requested ( Leave and Earning Statements, XXXX 's ) they said that they would resolve this issue in 30 days ( as of XXXX 2015 ) but they have not, and the remark is still on my record. Please assist in getting this cleared. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX-XXXXShow Details XXXX XXXX/XXXX/2007 {$11000.00} XXXX/XXXX/2015 {$11000.00} CHARGE-OFF is reporting this XXXX on credit report. I have disputed many times and have called to have removed. They continue to report this as a duplicate which is preventing me from obtaining credit for as the false reporting is lowering my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I dispute the " Date Opened '' as reported on my Equifax credit report. XXXX ( through their subsidiary XXXX XXXX XXXX ) provided me with a collection statement indicating the correct opening date of the original debt is XX/XX/XXXX. Equifax is reporting the acquisition of the debt ( XX/XX/XXXX ) as the opening date of the debt. I have disputed this with Equifax and they have failed to update the report accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
3 problems I have with Equifax and they are clueless to resolved the problems : 1. Still have n't received my credit report from them, I filled a complaint with CFPB, last month about this. 
2. On XX/XX/2017 I had a hard inquiry placed by XXXX on my file. I have been a XXXX customer for 12 yrs. Never applied for any new services with them. I called and all they said was send my Id and a bill and the would investigate it, still waiting 3. On XX/XX/2017 I received a call from XXXX, stating XXXX placed a Hard inquiry on my report. I have n't applied for anything with XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Equifax continues to incorrectly report an old Chapter XXXX Bankruptcy filing even though it is now nearly 10 yrs old and Chapter XXXX Bankruptcies are to be removed after 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-11 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My wife and I applied to Equifax for our free annual credit report, the last XXXX received was on XXXX XXXX, 2014. In both cases, we were told ( online ) that we could not receive the report online but would have to submit voluminous information by mail to receive the reports. This has happened many time in prior years, only from Equifax , never from XXXX. I have not tried to contact Equifax by phone because, from prior experience, it 's is very difficult to get anyone at their organization to expedite a correction to their policies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-17 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I submitted a dispute On XXXX XXXX, 2016 for some Tax liens that are reporting on my credit report. I asked for verification of these accounts since I have no knowledge of them. The accounts came back verified. I then wrote a letter ( notarized ) to the address and Court the credit report has on file. Well the Court has finally responded to my letter and its 100 % clear they did not Verify anything with Equifax. Under the Fair Credit reporting act Everything on your credit report must be 100 % verifiable and accurate. I have attached copy of the credit report Public record section where I ( Circled ) the case numbers and the Address to where I wrote court letter to, also attached is the notarized letter I wrote to the court and the Response Letter from XXXX County Register of Deeds Office that they have no records of these Tax liens nor do they report anything with any credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I was unable to retrieve my annual free credit report from Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Reporting on XXXX XXXX XXXX XXXX charge accounts were changed from a status of charge off, ( which they are ), to Placed for collection, Bad Debt, Skip. The last activity on these accounts was in XX/XX/XXXX and XX/XX/2009, and should be seasoned off my Equifax report. This new reporting has re-aged the account, and caused my Equifax score to plummet by XXXX points. I am trying to secure a new mortgage and this new report has caused me to have great difficulty in obtaining the mortgage. This line needs to be removed since it has met the 6 years 6 months seasoning period. XXXX, and XXXX have removed the accounts from reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have the credit bureaus to remove the citizens bank students loan off of my credit report and they refused I stated to them that I do not owe any money 's to citizens bank for a student loan which.have been verified by XXXX that I do not owe them any Money and they still have it on my credit report as well as money they alleging say I received from the bank on account I do not have

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have disputed this account multiple times with all the bureaus and XXXX its self. I have not received any kind of response concerning this account. The account is reporting as a collection with a balance that is not correct. This account was paid by another cellular company when I switched out contracts.

Company response to consumer: Closed with explanation