vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Please be advised the credit reporting agency is reporting XXXX open tax liens on my account in error! Please see below. The credit bureau claims that the court furnished them the information but I called the court and they said they do not give out that information! Please see below! I also visited XXXX ( The GA Delinquent Taxpayer List ) and searched my name and XXXX XXXX which is XXXX and there was NO DATA FOUND! 
Public Record Details Reference Number XXXX Date Filed XXXX XXXX, XXXX Date XXXX XXXX, XXXX Status Released Amount {$800.00} Classification Lien Type Tax Lien Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Public Record Details Reference Number XXXX Date Filed XXXX XXXX, XXXX Date XXXX XXXX, XXXX Status Released Amount {$360.00} Classification Lien Type Tax Lien Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My college school loan changed loan servicers and I had to re-configure my loan payment for auto-payment. Since this takes however many days/weeks to process the auto-pay request I received a late payment notice that then lowered my credit score up to about XXXX points. It was my first late payment in my life and completely not my fault.

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 — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I received a XXXX showing the cancellation of the balance with my creditor. I disputed the balance on my credit report because it was still showing the full balance when it should now show as zero. I received notification on XX/XX/2016 with a letter dated XX/XX/2016 that it was investigated and the balance was set to zero based on the info I provided. Then on XX/XX/2016, they changed the balance back to where it was before. No notification. I only found out because of a credit alert with another company. They also somehow changed my last name to a typo. Not sure where they got that information.

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

Complaint narrative:
All XXXX Credit Bureaus are reporting Credit Accounts discharged in bankruptcy in XXXX of 2010 as derogatory credit. I have contacted the Creditors and they refuse to stop reporting the credit account as adverse/derogatory as well. 
This is a violation of the Federal Bankruptcy reporting laws and is negatively affecting my ability to obtain credit. It is also a false/fraudulent reporting of the status of my credit since the bankruptcy closure. 
The outsourced phone rooms handling the 'collections operations ' and credit bureau reporting do NOT understand US Bankruptcy law. The " Creditors '' blame the " Credit Reporting Bureaus ''. Neither entity can nor will accept responsibility for the fraudulent/false reports nor will they correct the reports. 
I have perfect credit since my bankruptcy and wish to increase my scores. They are making it impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I filed bankruptcy at XX/XX/XXXX and i got discharge too but still XXXX shows on my credit report that i am late in my payment. XXXX XXXX was included in bankruptcy. i called XXXX couple times but they did n't fix it. give me a call if you have further question XXXX XXXX XXXX that is shows in my credit report Delinquent Account Lender XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX nullnull A lender reported that you did not pay them on time, and the account is now 30, 60, or 90 ( or more ) days late Reporting Detail Account Number XXXX Amount Delinquent {$0.00} Account Balance {$0.00} Payment Status Unknown Contact Method Other Got it

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
In XXXX, Equifax was reporting an account I have accurately paid as agreed, closed and a zero balance. In XXXX, Equifax started reporting the same account as open, and currently past due for {$3400.00}. Last updated was XXXX XXXX XXXX after several disputes. I contacted the creditor and they verified that the information is not reporting correctly on my Equifax Credit report but informed me to file a dispute again and again to fix the issue. I feel that Equifax is not even contacting the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
A credit card account for a business, not for my personal use, was opened the business ' federal tax ID number. I was not the head of the business and when the business had failed and did not pay its credit card balance, it was reported under my personal credit report. Ultimately, this credit card account was paid for in pull for less than the full balance and closed. However, this remains as a derogatory mark on my personal credit report even though I was not the head of the business and did not have any financial decision making power. All three credit reporting agencies refuse to remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax '' response to XXXX " Equifax has reviewed your complaint and its records regarding your dispute. XXXX account XXXX has been verified correct as reported by the data furnisher. The open date is XXXX/XXXX/2015, the closed date is XX/XX/2015 and the months reviewed is XXXX. No payment history was recorded by the data furnisher for XX/XX/XXXX through XX/XX/2015. Please be advised that scores are derived from a mathematical formula which calculates elements on the credit file. Information is reported to Equifax continually, thus the file content may change as well as the score. Please also be advised that creditors have their own criteria for granting or denying a service or benefit based upon the score. Please contact your Creditor 's directly in regards to their evaluation of your credit score. 

The XXXX- Closed Tradeline, was reporting the pay history accurately, despite your response. Please see attached, my credit report from EQ - XX/XX/2015. 
EQ actually stored pay history, please see Pay Pal attachment, which was attached to the original complaint XXXX EQ updated this account and caused issues - with the Pay History. 

THE ACTIVITY DESIGNATION - says NA, and should not. This account is PAID/CLOSED. 
Because this account is showing in this manner - the PAY HISTORY is erroneously populated with NR, when XXXX has n't reported on this record in more than a year. 

The account, is now Incomplete - and inaccurate. 

Please put the account history back to the state of which the furnisher provided it to you, PAID? CLOSED its status - or DELETE the account..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: NC

Complaint narrative:
Setereus took over servicing my mortgage from XXXX on XX/XX/2014. I was in arrears, its was a rental, had to evict tenant again, do n't make nearly the money I used too. Decided to sell instead of renting again. Took XXXX mos to get a contract. Throughout Seterus kept telling me the principal balance was {$52000.00}. I based sales price on this. Had received several offers of $ XXXX & $ XXXX. Seterus was willing to accept, but I was n't. Requested payoff figure, knew it would be a little more. It was {$5400.00} more, finally amount was {$5600.00} more. Almost could not close because the payoff figure was so high and still needed to pay real estate commission. I wrote Seterus as they instructed, also called once per week. Had XXXX questions, never answered. And had to pay extra taxes because Seterus refused to deduct it from their payoff figure ; taxes were paid by closing attorney which is standard in real estate closings.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: CHECK INTO CASH INC.
State: OR

Complaint narrative:
I was called by a company called XXXX on XX/XX/2017 at XXXX in regards to a defaulted loan through Check Into Cash in XXXX. I explained to the collector that i am homeless and have been since late XXXX and he started swearing at me and calling me a liar and threatening to have me arrested and sued. His behavior was abusive and hostile.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-28 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: CHECK INTO CASH INC.
State: CA

Complaint narrative:
This payday loan was paid, I have no receipts to back this because my husband passed away and family removed all my personal documents of ours because of us being separated they turned against me and our children. This is an issue that just popped up on my report recently and it took points off my score this needs to be removed immediately it 's been since 2008 that I did any loan

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Knight Adjustment Bureau
State: UT

Complaint narrative:
This Debt Collector was trying to get money from me that I do n't owe through fraud and false information. They said that I had a credit card with XXXX XXXX XXXX XXXX, they went to court and tried to sue me, the case was denied and they tried again in another court to get garnish my wages, the case was dismissed again a 2nd time, this time, they said it was for a check where all the evidence showed that, I have never owed them anything. I have requested for the Knight Adjustment Bureau to not contact me for any reasons in writing that never stop them from contacting and harassing me over and over. They kept reporting the info as correct to the XXXX credits bureau and regardless of the court orders that it was dismissed and kept telling other bank to not do business with me while they know they are wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Moss Law Firm, P.C.
State: TX

Complaint narrative:
None of these fit my pending report which is Case number : XXXX. Sued in XXXX XXXX Civil Court. Allegedly by XXXX South Dakota XXXX now calling themselves XXXX XXXX A. Address is still XXXX XXXX South Dakota. Original law firm was known as XXXX XXXX XXXX XXXX XXXX XXXX now known apparently as XXXX XXXX same location in XXXX Texas. I have never been notified of a name change. I have sent the original law firm a request to release my homestead from the abstract judgment that was filed in the real property records. I am attaching this as not sure I sent it originally as I forgot to print my report. As the XXXX is not detailed my homestead would be included. In Texas the homestead is exempt and I have requested a release by them as i sent a certified letter to XXXX XXXX XXXX as I believed still lawyer of record which is still unclear. You may deem me a failure to pay a debt but I fought in court against their law firm and defeated them 4 times in court. I deny the debt and I believe that the court granted it in error. I would not arbitrate as I again deny this debt. I however assert that it is an illegal practices to engage in a blatant disregard to a Texas law which identifies in the real estate codes what is admissible to seek actions for assets retrievable. Thus the financial institution with their law firm issued an Abstract Judgment as though there were no restrictions that were not within the guidelines of their reach. In my opinion this has been a long time practice of illegal actions and both parties have committed a crime. I have not committed a crime in the eyes of the law and which I deny I owe. I believe that they use intimidation, coercion, and reckless regard for the Texas Homestead Exemption to collect on legitimate or illegitimate debts via Abstract Judgments. I believe that since the statue of limitations can go on for 20 years that the crime has strong possibilities that past and future debt holders have or might pay is considerable and undeserving.

Company response to consumer: Closed
Consumer complaint received 2016-04-05 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ESCALLATE, LLC
State: PA

Complaint narrative:
I have a big issue on a medical collection on my credit that I have no idea what it is. Knowing that I am a XXXX and I have wonderful health insurance, I have no idea how I can owe a debt to this company for {$690.00}. They claim on my credit this debt is from XXXX XXXX. I am not aware of any medical bill I did not pay. On XXXX XXXX, XXXX, I send Escallate LLC a debt validation letter requesting more information related to this debt. To date I have not received any proof from them that I owe this debt. I disputed this collection with the Credit Reporting Agencies in XXXX XXXX but even after Escallate LLC did not send me proof, they told the Credit Reporting Agencies that I owe this? If I did owe this debt, my insurance company would have paid and I would not have been responsible for this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: State Collection Service, Inc.
State: PA

Complaint narrative:
There 's a pass due medical collection on my credit report from XXXX hospital that I do n't remember so I called the hospital and there collection agencies and no one knows why it 's there cause no amount was showing get on anyone 's systems please take this off myour credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: State Collection Service, Inc.
State: MN

Complaint narrative:
State Collection Service Inc. hung up on me after I tried to provide them information regarding why my mother did not owe the bill they stated she owed. XXXX Collection Service Inc. does not provide an email address to speed the communication process, XXXX has to communicate with them via postal mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-27 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Amsher Collection Services, Inc.
State: AL

Complaint narrative:
Every debt collection agency that has reported me as owing a medical debt on my credit report has been disputed with the reporting agency. I do not believe I owe any of the medical debt in my credit file and there have been no attempts to verify ANY information about these debts with me in any form of communication. I have always paid my co-payments at the time of any medical treatment and bills sent to me by medical professionals were paid personally or by my health insurance company. I believe that every agency reporting medical debt on my credit file does not take my disputes seriously and reports negative remarks " debt valid, consumer disagrees '' instead of proving I actually owe the debt. To even attempt to access my medical records is a violation of my rights under HIPPA laws because the debt collector is a 3rd party to the original creditor, not privy to my medical records because they are not doctors and do not have my permission to view my medical files which may reveal my medical diagnosis, treatment and prognosis and without that verification they ca n't determine if I even owe this debt. They can either refer this alleged debt back to the original creditor so a licensed medical professional who is allowed to view my medical file and can fully explain the origination of this debt and medical information such as diagnosis and treatment that will help me identify the debt is mine or they need to remove the debt from my credit file and cease to ever attempt to hold it against me. They are in violation of my rights under HIPPA laws and are reporting debt they can not verify. They make no attempts to contact me after several disputes have been filed on my behalf. Every single medical collector in my credit file has done this and almost all of them are beyond the statute of limitations but keep updating as if a payment was made to them! Ive never paid the debt collection agency bc they can not verify the debt. Please make them remove the debt from my credit file and give it back to the original creditor so my rights under HIPPA laws are not violated.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP
State: SC

Complaint narrative:
We filed chapter XXXX bankruptcy XX/XX/XXXX and we decided to convert to a chapter XXXX XX/XX/XXXX and we included or mortgage in the chapter XXXX and our mortgage company XXXX sold the loan to another servicer Selene finance without filing for foreclosure when we went to bankruptcy court for the chapter XXXX. Selene finance did not foreclose until 1 year later and they were supposed to foreclose when we went to court a one year ago. We have XXXX loans on our credit report and we want the loans removed and the proper foreclosure date updated on or credit report. That foreclosure date should be XX/XX/XXXX. That is the discharge date for the bankruptcy chapter XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Echelon Financial, Inc.
State: ME

Complaint narrative:
Collected over {$480.00} from credit card account. Questionable way of enrolling clients. Ca n't or refuse to give proof of an agreement. Multiple fees charged each month. Company ca n't account for them

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-25 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: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
I had XXXX XXXX phones with XXXX for almost 2 years. I did not sign a contract. I paid month to month for service on all XXXX phones. On XXXX XXXX, 2016, I called XXXX and told them I was cancelling service and we were switching to XXXX because I was going to go on my daughters ' XXXXphone plan with new XXXX iphones. We were n't even using the XXXX phones anymore and my daughter 's old phone numbers we had with XXXX were even transferred to the new XXXX iPhones. 

Service with XXXX was discontinued at the transfer. The XXXX phone was n't even working anymore. XXXX has continued to bill me for service when we were on a month to month contract. And now they have sent this bill to a collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
Amsher Collection services sent me a notice regarding my delinquent XXXX balance offering me a settlement. The settlement is {$32.00} off my balance if I pay before XXXX/XXXX/15. It states that to accept the offer I am to call XXXX. 

When I call this number I am greeting by a message telling me I can leave a message which is then interrupted by another message leading me through a series of prompts which leads me back to the original message creating a loop where I can never leave a message nor speak to a representative. 

I simply want to pay my bill and would like to accept the Amsher 's settlement. However the number they provided does not allow me to do that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP
State: TX

Complaint narrative:
XX/XX/XXXX I purchased a home for $ XXXX with XXXX XXXX XXXX as the lender. At the time I was employed full time as a XXXX. However, in XX/XX/XXXX I was laid off from my position. This caused me to fall behind on my mortgage payment missing a my first payment XX/XX/XXXX. This was reported on my credit statement as a 30 day delinquency. This happened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, progressing to 60 days, 90 days, and then 120 days til it was sold XX/XX/XXXX. I tried to work with the lender to complete a modification, but they refused to work with me even once I started back making regular payments. It was n't enough to cover the periods of times that I missed or tried to make a partial payment out of good faith. This caused my loan to be sold XX/XX/XXXX to purchaser Selene Finance, they have the same date of opening of XX/XX/XXXX, but everything is is in accurate. They reported first date of delinquency of XX/XX/XXXX after my 60 day grace period was over. Neither company is reporting my date of first delinquency in an accurate manner making it hard to put this difficult time behind me. Under FCRA 623 ( a ) ( 5 ) ( A ) This " date of delinquency '' determines how long the debt can be reported on a consumer 's credit report. Generally, a CRA may report a delinquent debt for seven years from the date of delinquency. I am requesting an investigation to get this item updated on my credit report since it is inaccurate under the law. My credit report accurately shows date of delinquency as well as date of transfer, and my account never being brought current after going delinquent. The home was recently foreclosed XX/XX/XXXX due to continued late fees that equaled half a month of mortgage. I was unable to pay due to unemployment that arose XX/XX/XXXX.

Company response to consumer: Closed with explanation