vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-19 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX we apply to Keep Your Home California for a Reduction of Principal Balance of my mortgage. We got approved on XX/XX/XXXX for a Reduction of or voucher of {$75000.00} towards the Principal Balance of my Loan with Seterus Mortgage. Seterus Mortgage received the amount of {$75000.00} from Keep Your Home California Relief Program, around XX/XX/XXXX or XX/XX/XXXX, since then we have encounter a delay from SETERUS to apply to amount to make the modification or our Loan with them, we called them and ask them and they have a very unprepared employees working for them they do n't know how to help us to resolve what is happening with the money that they get from the State to help us out, but they assure us that the money is there is just waiting to be allocated in the Loan. In the meanwhile calls and calls from the Collection Department to collect the money that they not even know why we own the money to them. It has been a very hard process for us because the suppose to send us the package that we need to sign and they forgot to send it to us at the end. And this happened a couple of times already and still they do n't have the Loan fix yet. The {$75000.00} is still in their position waiting for them to work and apply it to our Loan. We are very stress out with this, they had lost our paperwork a couple of times as well. We do n't know what to do anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I got my credit report XXXX months ago for the first time in XXXX yrs, I saw a lot of incorret accounts that was not my account, I contacted the creditors XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, I told them the accounts on my credit report is not my accounts at all, XXXX days later the all sent me letters & called me & told me this accounts was unverifable & inaccouate & it was somebody elses accounts in the letters sent to me the accounts to be deleted from my credit report because this accounts is not mine, EQUIFAX REFUSES to Delete This inaccurate & unverifable accounts that states in the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax fails to remove the XXXX XXXX XXXX XXXX account. Equifax reports incorrectly that this account has a balance {$22000.00}. Equifax reports incorrectly that this is an XXXX account. Equifax reports incorrectly this account 's Date of First Delinquency. Equifax continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My credit score with Equifax has went from XXXX to XXXX in less than one month because of their online dispute process, and them re-inserting previously deleted information. I have sent them over 5 letters requesting for investigation, and now they have somehow inserted a previously dormant and deleted account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I had a mortgage loan that was foreclosed on in 2012. There were two loans issued by the same bank when they foreclosed they were supposed to satisfy the debt owed on both loans. They are still reporting the second loan as delinquent and with a balance due even though it is illegal under California laws. The loan was issued by XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am trying to get my Credit report from Equifax but was unable to get over their automated system then told to go to automated system by live representative and did not want to give me my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30 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 contacted XXXX and they were not able to verify the information on this account. The CRA reported verification of this account. I dispute the accuracy and method of the verification with the Original Creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax report received from XXXX XXXX shows an employer in XXXX, CA. 
I have never worked in California. It also shows a late payment from 2003! That should no longer be there.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I had no clue there was anything being reported on my Credit Report until I tried to apply for a apartment. I have never had credit or tried to apply for anything until now and Oh my gosh! Equifax Information Services has been reporting negative inaccurate information in my credit file. I thought upon doing further research that I could reach out to them and get these things removed. Well that is not the case at all. I 've been disputing with this company for over 6 months to get this information removed and they refuse. I have asked them to remove any name that I have not provided due to false information reported on my credit report. I have also asked them to remove inquiries that are not mine permanently. They stated that the information was verified and it belongs to me which I do n't understand because if they have verification then why have n't they sent me copies of it? I have ask for a investigation and documentation in a timely manner. I have called, emailed, mailed and faxed. And still being ignored with no verification or documentation. Under the Fair Credit Reporting Act, If the consumer disputes anything and it ca n't be verified within 30 days, Then it must be removed. I did not authorize anyone employed by these companies to view my credit reports. The letters they have sent to me claim to have 'verified ' this information '', but this is in fact not true under law. It has been past 45 days and nothing. Now I will be suing Equifax as well as anyone on my credit report with false inquiries for causing me damages such as denial of credit, denial of renting and increased insurance premiums.I should not have to be inspector gadget to try to track people down and figure out where these false thing on my credit report came from.I can not even buy a house right now if I wanted to. I have provided more than sufficient evidence to get these false inquires and names and addresses removed. Such as a copy of my State Issued Id and Social Security Card in addition to a Utility bill in my name verifying my address. I have filed this complaint with hopes of Equifax actually being an company with integrity and reporting accurately. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I get against Equifax and Companies on my credit report for violation of the Fair Credit Reporting Act and Defamation. This is my last resort and I 'm seeking monetary relief for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act. It is not ok to blow people off and effect there lives in a negative way this is my personal information and if they have access to it. Then it should be reported accurately. Not cool.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
ON XX/XX/2016 I WENT OUT CAR SHOPPING TO PURCHASE A CAR. I WENT TO XXXX XXXX IN XXXX VIRGINIA TO LOOK AT A CAR. DURING MY APPLICATION I SUMMIT I GOT TURN DOWN FOR MY APPLICATION. ON MY CREDIT REPORT XXXX DENIED MY APPLICATION. I AM NOT DISPUTING THAT. BUT I ONLY SUMIT ONE APPLICATION AND IT SHOWS TWICE ON THE SAME DATE AS XX/XX/2016 AT THE SAME DEALERSHIP. I HAVE DISPUTE THAT SEVERAL TIMES AND STILL NO CHANGE, IT SHOULD ONLY SHOW ONCE ON MY CREDIT REPORT AS A HARD INQUIRY NOT TWICE. I AM DISPUTING THAT AND I WANT THAT ONE REMOVED. I AM NOT DISPUTING THAT I SUMMIT APPLICATION I AM ONLY DISPUTING THE SECOND ONE. I WENT TO DEALERSHIP TO INQUIRY ABOUT THAT BUT THEY STATE THEY CANT DO NOTHING ABOUT IT. I CALLED XXXX AND I GET THE ROUND AROUND

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: AmeriCollect
State: TX

Complaint narrative:
I do not recognize this collection i was a victim of identity theft its not mines and there are multiple charges

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: DISCOVER BANK
State: FL

Complaint narrative:
I have been receiving multiple calls from unknown numbers claiming that they can lower the interest rate on my credit card to XXXX. When I picked up, they said their name and company name so fast, I could barely hear it and proceeded to ask me questions about the last XXXX digits on my social, how much money I owe on the card, my credit limit, my name, and the last XXXX numbers on my credit card. After I gave her all the information, she immediately hung up. The phone number was XXXX and they were calling from XXXX Fl. When I try to call back, it immediately hangs up. That 's when I realized this might be a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
I am currently in the process of a refinance. Very clean /easy process, except ... the company I have a XXXX mortgage with XXXX Discover XXXX is listed XXXX on the deed of trust. Their mistake. My loan needs to go to funding like yesterday and ca n't move forward until a letter of re-conveyance is done by Discover. They said they ca n't get one out for another 3 weeks or so. This is causing me a financial hardship and not to mention, now discover will get another months interest/payment since we can no longer pay off the loan on time. As a matter of fact, my loan will not go through.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-15 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: Professional Placement Services, LLC
State: MN

Complaint narrative:
My credit score was recently reduced from a creditor claiming that I owe money regarding a traffic citation. I had made disputes on my report regarding several alleged citations issued by the state of Wisconsin and was removed from my credit report. XXXX months later, a new collection agency appeared to have maid another claim. At no point had I ever made a promise to pay to the state of Wisconsin either through verbal or contractual agreements. 

I would also like to add, throughout the last XXXX years these creditors have continuously reported to the credit bureau 's for citations that have been paid. When asked why it had even reached a collection agency being the citations were paid on-time, the response was " because you did n't pay a {$5.00} fee along with the citation. '' This includes XXXX 

This has been going on with the state of Wisconsin for MANY years now. I ca n't help but feel that I have been treated unfairly by the state as well as their creditors. These traffic citations has not only hurt my driving record, my credit report as well as my occupations. At what point is this punishment enough? These citations have dramatically impacted the quality of my life ... .. A TRAFFIC CITATION. 

My credit score dropped XXXX points from this most recent attack. I really had high hopes in creating a better financial profile for myself being I 'm going into accounting.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: DISCOVER BANK
State: PA

Complaint narrative:
From XX/XX/XXXX - XX/XX/XXXX, I attended graduate school at XXXX Washington University. I took out federal and private student loans to pay for school and housing needs. The total amount of private loan debt that I had taken out during that time was {$26000.00} with XXXX. After school, I had difficulty making payments since the interest rate was variable ( although I was almost certain that I agreed to a fixed rate only ). To make the payments smaller, I had consolidated the private loan with a fixed rate of 10.50 %. The loan was eventually transferred over to Discover Student Loans and I am currently in good standing with them. The current loan balance is {$33000.00}, in which I have paid {$18000.00} in principal and interest to date. I have tried to refinance my loan with several institutions, but I am continually denied. The reason that is given to me is that I do n't make enough money. I just had my XXXX child, and making these payments is extremely difficult. I would like to see the light at the end of the tunnel. I do not want to go into default, but I feel that I will be paying these loans forever unless I can get them refinanced to a reasonable rate. I do n't know what to do. I have sought the advice of an attorney and an accountant - both who feel that I do n't have any options except do very detrimental things to my credit and ultimately not be able work out a better deal for myself. I am desperately seeking advice on this! PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: WLCC
State: FL

Complaint narrative:
Lender continues to call my place employment XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Leaving messages with co-workers

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-17 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AmeriCollect
State: TX

Complaint narrative:
Under Texas XXXX XXXX XXXX for debt validation I have had my rights as a Texas consumer violated and ignored. I sent Americollect Collection Agencya debt validation letter to confirm this debt is mine and they ignored my request. Under the current law,30 days should be enough time to validate such requests. I mailed the above named company XXXX letter on XXXX/XXXX/15, they received and signed for the letter on XXXX/XXXX/15. They violated my request in 2 ways. 1, for ignoring my request, and 2, for continued attempt to collect on this debt by actively reporting to the XXXX major Credit Bureaus XXXX There is plenty of supporting case law to back this claim up, that actively reporting to the bureau 's is in deed a form of debt collection. I have not received any info from this collection agency to prove I owe this debt. I find it malicious, and I feel I have been taking advantage of by Americollect Collection Agency and I would like this collection removed and deleted from all XXXX credit bureau 's. I have uploaded supporting documents to help prove my case. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK
State: UT

Complaint narrative:
there were several unauthorized charges totaling over {$3000.00}. they were all cash advances taken from my card. i submitted a claim and filled out and sent back a form stating that i did not make these charges. 2 weeks later i get a letter stating that they found these charges to be correct and put them back on my card. I have NEVER taken a cash advance on XXXX crdit card ( i do n't even know how to do this ) they said i would have had to use a pin number, I 've never had one! as far as i know you would have to go into a bank and show an ID to get a cash advance. Obviously It was not me. At the same time i had fraudulent charges on XXXX of my other cards however the card companies did their investigations and removed the charges. Discover advertises how you are not responsible for fraud. Discover is making me responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: DISCOVER BANK
State: FL

Complaint narrative:
I HAD DISCOVER CREDIT CARD I MISSED FEW PAYMENTS AND THEY CLOSED THE ACOOUNT BUT AFTER THAT I HAVE BEEN PAYING THEM EVERY MONTH FOR OVER A YEAR. MY FINANCIAL POSITION GOT LITTLE BAD AT START OF THIS YEAR SO I COULD NOT PAY THEM IN XXXX 2016 .SINCE THEN THEY BEEN CALLING ME A LOT. SOMEDAYS THEY WILL CALL LIKE 4-5 TIMES A DAY .I HAVE BEEN DEPRESSED SO SOMETIMES I DONT FEEL LIKE ANSWERING PHONE BUT STILL THEY WILL BE CALLING AGAIN N AGAIN. LAST WEEK I CALLED THEM AND TOLD THEM THAT I AM NOT ABLE TO PAY NOW BUT WHEN I AM LITTLE BETTER ON MY MONEY I WILL CALL THEM AND PAY WHATEVER I CAN. I SPECIFICALLY TOLD THEM NOT TO CALL ME BUT THEY ARE STILL CALLING ME. WHAT SHOULD I DO?. ITS FRUSTRATING AND DEPRESSING ABOUT ALL THESE CALLS WHEN I AM ALREADY HAVING HARD TIME. CAN PLEASE GUIDE ME WHAT SHOULD I DO?. THANKS A LOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: DISCOVER BANK
State: CT

Complaint narrative:
My student loan is currently set at 10.875 % interest rate. While in school my loan gained interest & now is almost double the principle balance. I pay almost nothing towards the principle and mostly interest. It would be really nice to get rid of some of that interest that was gained while in school. Also, now that I am working and have good credit, I believe they should work with me to lower my interest rate. Rates now for student loans are half of what I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK
State: AZ

Complaint narrative:
RE : Complaint # XXXX. I received an email on XXXX/XXXX/15 stating my payment of {$48.00} has been posted to my account yet discover card continued charging my account on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX causing {$75.00} in overdraft fees plus a {$.00} transaction fee. No notice was received stating the payment due date had been changed from XX/XX/XXXX to XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-26 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
continued complaint- XXXX Date XX/XX/20151. The Banks continue to disregard of my rights.. 
2. The Banks failure to release insurance proceeds to me, after instructing me to endorse the check to the bank, make the repairs with my money, let them inspect the home, have an affidavit notarized, pay the loan current with my attorney is distressing. 
3. The Banks are not disclosing to me important information necessary to make the payments to the loan and keep the loan current. 
a. P.I.T.Ib. PAYMENT AMOUNTc. LOAN AMOUNTd. LENGTH OF LOAN4. The Banks are violating Dodd Frank Mortgage Servicing rules by not promptly providing successor in interest ( me ) with important information needed to keep the loan current. 
5. The Banks are Violating Respa- by not providing me with an annual statement and impound account statements. I pay the insurance and I am entitled a copy of the annual statement of payments. 
6. The Banks are violating Fair Debt Collection Practices act by not providing notices and communication to ( me ) borrowers. This affects my ability to keep the loan current. 
7. The Banks are violating the Final Mortgage Servicing rules. Error resolution, information requests, general servicing Loss Mitigation policies & procedure requirements are not being disclosed or handled in a timely manner. 
8. The Banks are violating the FTC- Debt collection practice by making false & misleading statements. 
9. The Banks are violating the Early Intervention Rule by not providing information to me. 
10. The Banks continue to cause me unnecessary harm and emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: DISCOVER BANK
State: NC

Complaint narrative:
Discover Bank is mishandling my account and not doing as they state when it comes to disputes putting me in danger of my account. I do not trust the way they have handled my account. They are being dishonest in their accounts and making it my issues that they have mishandled it and stating that they will take up to 45 days to correct their issues and problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-15 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discover Financial Services has an 10 % Cashback Bonus when discover card is used to pay using XXXX for in-store purchases. When I tried to use the eligible card at an XXXX XXXX XXXX store, the charge got declined. When I called Discover customer service, they advised me to use physical card instead and then call customer service to get the 10 % Cashback bonus. I did just that! 
However, later when I called them they to refused to honor the promise and only offered XXXX points as a courtesy ( equivalent of {$10.00} ). The 10 % cashback bonus on that purchase would have been {$40.00} dollars.

Company response to consumer: Closed with non-monetary relief