vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
I had a flood in my home earlier this year due to refrigerator line leaking. I sent my insurance checks to Dovenmeuhle Mortgage company 3 MONTHS ago. For the past month, they have had all requested ( and needless ) paperwork completed and a promise to have their inspector set up an appointment so the repairs can be verified. One month and many conversations, and emails later, and I have yet to hear from an inspector. In the meantime, I 'm out $ XXXX, AND I 'm paying interest on my credit cards because of all the work performed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: DISCOVER BANK
State: MD

Complaint narrative:
Discover advertised a free {$100.00} XXXX gift card, if you apply for Discover 's " It '' card and make {$500.00} in purchases in the first 3 months. I fulfilled these conditions as of XX/XX/XXXX, but never received the promised {$100.00} XXXX gift card. I made follow-up inquiries to Discover officials XXXX XXXX, XXXX XXXX & XXXX XXXX, which were ignored. On XXXX XXXX, I called XXXX XXXX office. They referred me to XXXX XXXX in the Executive Office. I had to follow up XXXX with XXXX to get a response. On XXXX XXXX, XXXX said I had not applied for the {$100.00} XXXX gift card, but offered me a {$50.00} credit on my credit card account " as a courtesy ''. On XXXX XXXX, I wrote to XXXX & documented that I had applied for the " It '' card & the XXXX gift card. Discover did not respond for a month. I had to follow up XXXX times by phone & email on XXXX XXXX & XXXX. On XXXX XXXX, XXXX offered me a XXXX {$50.00} credit on my credit card account. Although Discover finally fulfilled its {$100.00} offer in my case, I had to waste many hours, getting them to honor their promise. The facts that ( a ) I had to make multiple follow-ups and ( b ) they issued statement credits instead of sending the promised {$100.00} XXXX gift card suggest to me that this was not a bona fide offer. XXXX web site contains numerous complaints from others who never received the gift card. I believe this deceptive offer violates the " Corrective Actions '' in FDIC 's & CFPB 's Consent Order with Discover on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: DISCOVER BANK
State: PA

Complaint narrative:
Yesterday I received my credit card bill for last month and saw XXXX charges for completing and submitting my Federal income tax. While I have some problem with the deception XXXX XXXX used to have me pay to complete my taxes this year, after using them free for many years, I have no problem with using my Discover card to pay my taxes. First, XXXX has always used terms like " Easy, Fast, Free '' in promoting their service. This year they added charges, which I was n't aware of until well into the completion process. My real outrage comes in the third charge : paying a XXXX % " Convenience Fee '' to pay my taxes by credit card, through a third party in XXXX I might add. I do n't pay to use a credit card normally, and I was n't aware that such a charge would be forthcoming. 
I would think the Federal government would be happy to accept credit card payments to avoid bounced checks and receive faster payments. They should probably be happy to pay a " Convenience Fee '' for such a benefit. Please look into this. Thank you. P.S. I do n't intend to ever use XXXX again, and I will certainly never pay a " Convenience Fee '' again.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: DISCOVER BANK
State: NJ

Complaint narrative:
Discover is applying payments in excess to the minimum payment primarily to the balance with the lowest APR instead of the one with the highest APR per the Cardmember Agreement. I would have chosen to apply the payments to other balances had I known that Discover was not going to abide by the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: DISCOVER BANK
State: NY

Complaint narrative:
I get phone calls/ answering machine messages from Discover Student loans ( I attended Rhode Island XXXX XXXX and when I call the number back it takes me to a cruise sweepstakes I 've won. They also harass me during hours that are n't legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK
State: NY

Complaint narrative:
My complaint is against Discover Card. Fraudulent charges appeared on my account, and were then credited. Discover operatives stated they were indeed fraud, and I would not be responsible. After lengthy oral and written communication, the balance was respectively brought to XXXX/ {$6.00} cents. Subsequently, The false charges were added back with an increase amount. Representatives of the company were abusive, hostile, and in violation of the fair credit billing and fair credit reporting act respectively. They were sent the requested information but still remain uncompliant and stated they will ruin my credit if false charges are not paid. I 'm deeply disturbed, as a previously valued customer there was very mutual respect. The account was always used properly, responsively, and promptly paid. I respectfully ask your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion received court documents that a judgement they reported on my credit was not mine yet, they have not removed it. They did verify that they received this information from a 3rd party not the court and it would be removed. This was over 60 days ago. They are reporting a collection from XXXX. They DID NOT VALIDATE the debt!!! but sent a little XXXX digit code to verify and received a XXXX digit code back. This collection belongs to a business not me and that was verified by the original creditor. They also have removed these from my husbands report but not mine

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 non-monetary relief
Consumer complaint received 2017-03-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
I have been trying to obtain a HAMP loan modification with Seterus on an investment property I own. The original modification was filed prior to the HAMP deadline. My income falls within that which HAMP allows for investment properties. I have provided all the paperwork requested by Seterus. Whenever I call they try to steer me to other solutions instead of a loan modification. Since HAMP allows for loan modification on investment properties I am very upset and frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX is listed on my credit reports as someone I owe money to. That is not true. I have never done business with this agency, and I do not owe them any money. They claim they are representing XXXX. I have not lived at XXXX XXXX for almost a year. When I was there, I always paid my rent on time. I fulfilled all the obligations of my lease, and I gave notice when I decided to move out. I do not owe them any money, and they never refunded my security deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
the credit is wrong. please correct my report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Noticed some fraudulent stuff on my credit reports and did n't know what to do. Call and asked around everywhere I went, PD, ftc, now here said to file theft affidavit. I 've tried to work with this bureau but they wo n't help. Attached is my file and let me know if you need me to do anything else.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I went to apply for a loan and found out that Equifax has reinserted inaccurate information and has continued to report a tax lien which was later released by the IRS ( attached will be my Chapter XXXX plan and IRS release of lien certificate which shows that it was released as a result of my bankruptcy ). Equifax reported that my Chapter XXXX bankruptcy has been dismissed, reinserted collection company 's ( XXXX and XXXX ) reported that I have an open account with XXXX XXXX and XXXX with balances. I filed Chapter XXXX and I am no longer liable for IRS tax lien in the amount of {$66000.00}, XXXX, XXXX, XXXX XXXX, XXXX and XXXX yet Equifax continues to report inaccurate information even after I disputed with them twice. Equifax has caused me great harm. I even gave Equifax my attorney 's information so that they could verify that I am no longer liable to the IRS lien, XXXX XXXX, XXXX XXXX, XXXX, XXXX and others. My attorney 's information : XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Florida XXXX

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 — Information is not mine
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
On XXXX XXXX, 2016 I first became aware that me and my family have become victims of identity theft. Since then, I have pulled my credit with XXXX, Equifax and XXXX and came to realize that a plethora of accounts have been established, some of which are even still open, under a different name amongst several other contact and personal information. Apparently, my social security number and date of birth were used to open over XXXX accounts some of which have dated back over a year ago. I have since started and have subsequently almost completed this process of disputing and verifying my identity with XXXX and XXXX and have now moved on to Equifax. Also, I am unable to speak with anyone concerning my credit file as there is apparently a freeze on my file, a lot of good that did, and have found that utilizing this method to be the most efficient in trying to get my life back together. I was first made aware of this from my banking institution. As of today, my name, phone number and almost all of the accounts currently reporting on my credit file are indeed not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
Recently a person has been repeatedly calling my previous employer asking for any information pertaining to me. They explain that they have a legal document to deliver and that they have called all my other previous employers and that they need to deliver the legal document and they need them to provide any information they have about me. They have called daily. Next they called my mother and left a detailed voicemail referencing my previous address and a filing document number and they threaten to proceed legal action if the call is not returned. They have started to call from a private number as well. I finally was able to get a hold of someone. The company claims to be XXXX and XXXX their organizer. She is attempting to settle on behalf of Nissan Aceeptance Corporation,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am disturbed that equifax continues to list the dismissed bankruptcy as confirmed within my credit file past 7 years XXXX. Although it is there policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section XXXX relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. 
Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, they have no right to maintain information which the government has deemed nonexistent. 
Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed Case Description : Equifax refuses to remove 10 year old Chapter XXXX dismissed bankruptcy from credit report Desired Resolution : Delete Chapter XXXX Public Record from my Equifax credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: ID

Complaint narrative:
Equifax is ignoring my numerous requests to investigate, verify and remove accounts from my credit report that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I received XXXX hard inquiries on my credit report ( Eqiufax ) dated XX/XX/XXXX & XX/XX/XXXX. I disputed these inquiries with Equifax and they were not removed. I have received letters from XXXX/XXXX stating they have sent in requests for these inquiries to be removed as I did not authorize these. Equifax has yet t remove these inquiries from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I had a checking account with XXXX XXXX. This resulted in a collection for {$940.00}. Equifax has this listed twice on my file for XXXX, XXXX and XXXX. Once for {$940.00} and once for {$940.00}. There was ONLY ONE ACCOUNT. Showing the balance XXXX dollar higher is obviously an attempt to create more delinquency for me. I disputed this with Equifax and they left this on my file. I am receiving double jeopardy. This is a violation of federal law. I have attached a copy of a check from that account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax did not provide me with documents that collection account belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: DISCOVER BANK
State: GA

Complaint narrative:
Approximately a decade ago I filed to permanently opt out of receiving unsolicited prescreened credit card offers. As such, I stopped receiving unsolicited offers until today, XX/XX/2016. Today, I received an unsolicited prescreened offer for a Discover card from a creditor using the mailing address XXXX XXXX XXXX XXXX, DE XXXX. Under the Federal Credit Reporting Act, I have a right to opt out. This unsolicited request violates my right to opt out of these types of unwarranted solicitations. There should be recourse for creditors who disrespect the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
disputed with Equifax twice about a debt that was previously deleted from my report but reinserted without notice. They will not remove and I disputed with the collection agency 4 times with certified recipets that they have gotten my request. XXXX XXXX XXXX Collection agency has not responded to any of my validation request.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
on XXXX XXXX, 2016 I tried to obtain my annual credit report with Equifax via the online but I was not able to being Equifax refused to provide me a copy. I received a message online but could not print it for which they demanded that I provide them copies of utilities bills, social security card, drivers license etc. Today I called the corporate offices but was given the run around and in the end I spoke with XXXX who verified who I was in which I gave her my permanent home address XXXX XXXX XXXX XXXX NY XXXX, my temporary home address XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( being my place is under construction ), my full name, social security but she informed me that I have an apartment number on both of my addresses of which I disputed. I was informed that there is an apartment number listed with the XXXX XXXX XXXX XXXX NY address of which not true being our house does not have any apartment numbers and she can not force me to provide an apartment number that does not exist. I further informed her that none of my credit bills have an apartment number and I believe somewhere someone other than me placed an apartment number on my credit report without my consent or knowledge. I will not provide them copies of any of my bills or credit card statements being those documents are personal and confidential and they have no right to have them. I was given a hard time by XXXX XXXX to the point that I yelled at her and she got upset and hung up the phone after I reached my boiling point and used a word that I should not have. They are required by law to provide me with a copy of my credit report free at no charge but then yet they are refusing being someone placed the wrong information on my credit report and I need to see what information ahs been reported to them and by whom so I can resolve the problem. 
Please have them provide me with a full copy of my report so I can review and dispute any incorrect information that is being reported or placed on my profile. Please contact me via email if anyone has any questions in regards to this matter. Finally, I do n't want Equifax to place my email address on my profile with their bureau. 

Thank you kindly for your assistance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Please refer to case XXXX. Equifax 's answer brings only more concerns. So, just because someone opened an account with my personal information, and the creditor reported this to Equifax , I am liable for the account??!?! They still have n't provided any proof of ownership. If I am owner of the account, please have them provide proof I opened the account in question, the purchases that were made and signed documents. If not, please have Equifax remove it ASAP. It 's weird, that they keep insisting the account is mine, since I contacted XXXX for the exact same issue, and they have confirmed the account in question is not mine and have successfully removed it. Furthermore, the Fair Credit Reporting Act, states they are required by law to remove any negative item that has been closed after 7 years. Moreover, this debt appears to be past the Statute of Limitations so it meets all the criteria to be removed. If they still neglect to remove the account I will escalate this to the FTC, my state attorney general, and XXXX.

Company response to consumer: Closed with non-monetary relief