vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I am a victim of identity theft and have been a victim of identity theft for over 15 years. The following accounts and credit inquiries are unauthorized, fraudulent and the result of identity theft : XXXX Bank, Bank XXXX XXXX, XXXX XXXX Bank XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Bank, XXXX XXXX XXXX XXXX, XXXX Bank, XXXX BankXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, Rental History Reports, XXXX XXXX XXXX. I filed a police report with the XXXX XXXX Police Department. The police report case number is : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
Ditech/GreenTree loan # XXXX XXXX XXXX, XXXX XXXX CA XXXXShort Sale was started with Ditech/GreenTree XX/XX/2015. 

XX/XX/XXXX we received a counter XXXXXX/XX/2015 we called Ditech/GreenTree to get a copy of the BPO. Their phone system hung up on us. Sent and email to the negotiator instead ( see notes ) XX/XX/XXXX we were tol the borrower had to call customer service to get a copy of the valuation in writing. 

XX/XX/2015 the borrower has called multiple times and left many voicemails. No one at Ditech/GreenTree will call him back. 
***ECOA ViolationXX/XX/2015 we sent a new offer package to Ditech/GreenTree via fax - the same fax number they have been using for several years, and throughout their change to 'Ditech'XX/XX/2015 Ditech/GreenTree told us to refax the offer package a to different fax number - XXXXXX/XX/2015 we spoke with " XXXX ''. XXXX said they still did n't have the docs we have already faxed twice. When we asked for a correct fax number, he laughed at us and said he did n't care that we had to keep refaxing the docs. He gave us yet another ( third ) fax number for the documents. They have been refaxed - this is the THIRD time they have been faxed to Ditech/GreenTree. 

We fully expect Ditech/GreenTree ( whatever they are calling themselves this week ) to tell the CFPB that we are lying. We know the CFPB has received LOTS of these same type of complaints. And I bet Ditech/GreenTree says the same exact thing every time. 

The simple facts are these:1. Ditech/GreenTree refuses to follow ECOA Guidelines regarding giving the borrower a copy of the value done in the decisioning process of their loan. 
2. Ditech/GreenTree is OBSTRUCTIVE in the short sale process. 
3. Ditech/GreenTree purposely defrauds their clients and their representatives. 

***When is Ditech/GreenTree going to be shut down and put in jail??? If I were to behave this way I would be FIRED, PROSECUTED, AND SENT TO JAIL!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a complaint against XXXX Credit reporting agencies XXXX and Equifax I have sent XXXX letters to dispute that I still Owe XXXX on A 6 year old XXXX XXXX account XXXX ) I had insurance on the card and the bank did Not Pay ( see XXXX class actions against XXXX XXXX Bank, I removed my self from all class action suites against Bank ) I owed XXXX from XX/XX/XXXX now 6 years latter they say I owe XXXX have it reporting current late and I am at 138 % of my credit line this is dragging down my credit score. I lost my Job and Wife in XX/XX/XXXX I had insurance on each card the Bank would not cover after I spent XXXX on preiums over 8 years ( XXXX ) cards Its just XXXX card they report like this also it is a card that the bank sent me a XXXX C in XX/XX/XXXX and stated as income not a debt so they take a write off and now place on my credit as being 120 days past due its been 6 years since I payed on this since the insurance was to coverPlease advise XXXX XXXX XXXX XXXX XXXX Fl XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, CA. continues to report an auto loan that is in delinquent status which I do not consider to be valid. The account has been paid approximately 3 years ago, and I still see no progress in the correction of this error. This is negatively effecting my credit score, which I need to increase within the month. I am a XXXX in the city of XXXX XXXX, CA. by means of opening my XXXX, a XXXX which will positively impact the labor workforce, and for this reason I am pursuing a loan with the City of XXXX XXXX, CA. Without the credit score increase I may not qualify for the program. Please do look into this and contact XXXX. I need an update of my credit report by XX/XX/XXXX, for I plan on closing on the loan prior to XXXX XXXX, projected grand opening date. 
*Additionally, XXXX XXXX XXXX is reporting a personal loan of {$3000.00} which needs to be researched for I have yet to see any valid documents stating that I owe this amount

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Lastly, I would like to dispute ( AGIAN ) XXXX XXXX XXXX XXXX XXXX for the matter of {$420.00}, Original Creditor XXXX XXXX Bank XXXX, XXXX. This account was removed from my credit report back in XXXX by XXXX XXXX and yet it is STILL updated as late as XXXX to my credit report. Please correctly update you credit files and delete this account, finally, from my credit report. It was deleted and can not be reporting to my name any longer. The debt was settled for deletion. I would like this removed immediately, because I have disputed this account 2 times since XXXX and NOTHING has been done to correctly remove it from my name yet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: NY

Complaint narrative:
Debt Collector ( s ), Obligors, Debtors XXXX and XXXX XXXX are attempting to collect an alleged debt of the Consumer. The named debt collectors are engaged in illegal acts by simulating a judicial court affiliated with the United States. The debt collectors were served numerous notices under federal consumer statutes but fail to comply. The debt collectors are attempting to seize the private property, consumer goods of the Consumer under the guise of Foreclosure which is not being performed in a competent judicial district under 15 USC 1692i. The debt collectors are not exempt pursuant to XXXX, XXXX under federal law. This debt collector is taking illegal non judicial actions in violation of the FDCPA, 15 USC 1692, Identity Theft, XXXX. The FTC has a report by the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX has a wrong address on my credit report : XXXX Equifax has a wrong address on my credit report : XXXX My correct address is : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Please, can someone here help me communicate properly with Equifax. I keep trying to explain to them that XXXX XXXX and XXXX are extremely outdated and over and over again they claim that they are unable to process any more disputes regarding the XXXX accounts, which need to be deleted from my file, on the grounds that they have " investigated '' them already. XXXX help me, I can not see what they investigated, how they investigated and who investigated it and how. If XXXX had indeed investigated these XXXX trade lines they would plainly see that the accounts are well passed statue of limitation and the 8 years mark. But they refuse to take action. Why? This is talking too long, and I gave nothing to show for my struggle nor do I believe the people at Equifax. This is bogus ...

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX : XXXX XXXX XXXX XXXX XXXX XXXX TX. XXXX : XXXX XXXX. TX XXXXEquifaxXXXX. XXXX XXXX, GA XXXX. XXXX. XXXX XXXX, PA XXXX XXXX, XXXX : XXXX XXXX REQUEST FOR PROOF OF CLAIMAccount # XXXX *You are hereby ordered to CEASE AND DESIST to include, all phone calls and creditbureaus reporting actions! 
You are hereby in RECEIPT OF NOTICE of violations committed under these State and Federalstatues, Fair Debt Collections Practices Act, Texas Debt Collections Practices Act, FairCredit Reporting Act, RCW 62A.3, RCW 19.16 and 19.86 UCC 3-501 ( b ) 2, USC 15-6802, Title 18 USC 241 and Dodd-Frank Act, regarding your above referenced file number andpresented with a CONDITIONAL ACCEPTANCE OFFER. 
In an effort to settle this matter in the most efficient possible manner, I herebyCONDITIONALLY ACCEPT YOUR OFFER UPON YOUR PROOF OF CLAIM your demandfor payment in the above named matter upon your complete and total fulfillment of the followingconditions:

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
For the second time now Equifax has had my credit report disputes under investigation for more than 30 days with no results. They have not sent the results or changed the pending status on two separate occasions. These items must be deleted per the FCRA laws, I should not be subject to an additional 30 day wait for a dispute that I have submitted legally.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have been disputing a fraudulent Judgment and Collection account that I am not liable for on my Equifax credit file since XXXX XXXX, 2016 as they are in violation of the FDCPA. I have provided Equifax with all documentation supporting my dispute and they refuse to properly investigate and update my credit file accordingly by deleting these items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I had contacted equifax on a collection by XXXX, they had bought this from XXXX and are reporting the wrong amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have disputed XXXX - XXXX directly with XXXX three times, filed a complaint against them with the XXXX, the CFPB and the Attorney General in Texas. I am irate because they have not responded to any of my complaints via phone call, email or mail. How can they do that? 

This account needs to be deleted on my credit report before I hire an FCRA attorney to file a lawsuit against XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I 've submitted XXXX disputes and the continue to come back stating the XXXX inquiry is factual when it is not. I 've been in contact with their Escalation team to have it removed and I was advised their Equifax Rep is not responding. I believe Equifax is not even contacting to XXXX to verify any data otherwise they will be notified that it was done without my consent from one of their XXXX XXXX Rep without my SSN. I 'm even sure how they were able to run my credit but there is an inquiry from XXXX/XXXX/16 that needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I disputed debt that is not mine with Equifax. It 's currently not being reported or has come back verified with any of the other XXXX credit reporting agencies. I 've asked Equifax to provide me with the verification that they are receiving from the company XXXX XXXX XXXX and they refuse to honor my request. 

they have replied by saying Equifax has reviewed the complaint and its records. We show that you have previously disputed the same items listed on this complaint and Equifax has verified the information three times within the past 90 days as being accurately reporting in accordance with the FCRA. XXXX XXXX XXXX account 2000 has been verified by the data furnisher with the same name and former address as reporting on the credit file. Equifax is unable to take further action on the items that you have listed on this complaint. 

I 'm asking that Equifax provide me with the former address that they are alleging is being verified by this company. So far this debt has been deleted from all CRA 's except Equifax who are now refusing to dispute this incorrect reporting on my file. 

I 'm including my id which has my address and has been for the past 10 years. I 'm also including a copy of my current credit file which shows my current and former addresses being reported. Please Equifax provide me the proof that this company is validating this account by also showing me the former address you are stating that is verifying

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 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 incorrect information on Equifax, XXXX and XXXX reported by XXXX ( XXXXHealth Care ) for the amount of {$720.00}. Submitted for collection on XXXX/XXXX/2012 to ; XXXX XXXX # XXXX. XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX. 
I have requested proof through Equifax, XXXX and XXXX, but have never received it. I have also called XXXX XXXX and requested proof that I am in fact liable for this debt, but have received no proof as of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
In XX/XX/XXXX I filed a Chapter XXXX XXXX Bankruptcy. I completed the plan and in XX/XX/XXXX it was discharged. Seven years have passed since I filed the Chapter XXXX XXXX Bankruptcy which is the statute of limitations for reporting a Chapter XXXX XXXX Bankruptcy as public record. I have repeatedly asked Equifax to remove this information from my credit report. They have reported to me and the CFPB repeatedly that they have, yet as the attached document shows they continue to report it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: DISCOVER BANK
State: OR

Complaint narrative:
I got a new discover card because they had the promotion of 10 % back for upto XXXX payed with XXXX pay. There should have been an other 10 % cash back after 13 months. There was no limitation like gift cards, or need to have recipes or share purchase itemized data with discover. but now Discover do not awarded any bonuses for transactions they subjected to have gift cards included. So the process is to flag bigger dollar amount transactions and make the customer provide the information if he wants the cash back bonus. SO at a nut shell Discover changed the therms retroactivly. Discover has no level XXXX data so now they want recipes for purchase made XXXX so i guess discover does not care about privacy laws neither ....

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
To whom it may concern, Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the numerous written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

Despite numerous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

Also I noticed a XXXX initial fraud alert was placed on my account. I have never requested this before and I am demanding for it to be removed off my account immediately. 


I demand the following accounts be verified or the deleted immediately. 

Name of Account Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX Unverified Account

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
A company called XXXX has filed a negative item on my credit report. I do not know who they are. I am not aware of any debt owed to them. I have demanded documents from them showing proof of a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
In 2010, a rental car company in XXXX charged my credit card for a deposit against damages at XXXX rate of exchange and then debited my credit card at a different rate pocketing the difference. I attempted to resolve this with the merchant but to no avail ; when I disputed this with the credit card I was stonewalled, my written letters were ignored, and after repeated attempts to discuss with them ( XXXX XXXX ), I closed the account having paid all that was owed except for the disputed amount. I now find that despite my otherwise excellent credit rating, my FICO score is being dragged down and inexplicably affecting my insurance premiums. 
At the insistence of the credit card company, all dispute processing was done on line, therefore little supporting evidence is available. However, I am attaching the final letter that I wrote them concerning the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-14 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
Pressler and Pressler , LLP sent me a letter dated XX/XX/XXXX stating 1 ) they had been retained by XXXX XXXX, 2 ) notice of opportunity to contact within 30 days to dispute the debt, and 3 ) a statement they are a debt collector. The letter was delivered uncertified. 

II. I responded on XX/XX/XXXX. In that letter, I asked Pressler and Pressler , LLP to validate the date. The letter stated to respond to a specific Notary Public ( who would verify and validate receipt of said validation ) within 30 days. The letter was sent by certified mail and received by Pressler and Pressler , LLP approximately one week later. 

XXXX. I also pulled down my credit report and saw that this debt had been charged off. 

XXXX. I was served with a lawsuit on XX/XX/XXXX by Pressler and Pressler , LLP regarding this matter. 

ISSUE : This firm stated they were retained by XXXX XXXX. That claim is patently false, since the debt was charged off. If XXXX XXXX was still pursuing this debt, it would not be at that status, so this firm has made a false statement regarding its disposition on this matter. Further, this firm has stated they are a debt collector further down in the letter. This indicates that they obtained this debt as third party debt collector. 

The statements made by Pressler and Pressler , LLP in the letter are fraudulent and misleading, and intended to intimidate. Further, Pressler and Pressler , LLP has extended this fraud into court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am a victim of identity theft. There is Fraudulent Information on Credit Reports which were made without my knowledge or permission. 
But Credit Bureaus have failed to give me investigation result

Company response to consumer: Closed with explanation