vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX assured me on XXXX/XXXX/2015, and various other times that a request to delete the collection on my credit report was sent on XXXX/XXXX/15. I was advised to initiate disputes with the credit reporting agencies, which I did. I received a letter today from Equifax stating that the collection item was verified on XXXX/XXXX/2015, and the collection still remains on my credit report. I called XXXX XXXX again, XXXX XXXX ID : XXXX, advised me to call all three agencies to alert them that the deletion request had been sent on XXXX/XXXX/15 through XXXX, and that they could personally call him at him extension to verify the info. I did as he instructed, yet each of the credit bureaus assured me that they had not received the request. Each instructed me to do different things, Equifax instructed me to alert XXXX XXXX that they need to contact their business office ; XXXX assured me that they will contact XXXX XXXX to verify the request for deletion ; XXXX initiated a dispute that would take up to 30 days, saying that the only way to expedite the investigation would be to get XXXX XXXX to issue me a letter stating that the request was sent in for the deletion of the collection ( a letter that I previously requested from XXXX XXXX when I called XX/XX/XXXX ). I spoke to XXXX XXXX at XXXX XXXX, and XXXX XXXX ( XXXX supervisors who I discussed my account with previously ). XXXX stated that XXXX had been preparing a new deletion request to be sent through XXXX today. XXXX, however, did not mention that fact to me, but offered to send me a letter stating that a request for deletion was indeed sent. 
When I initially received a call from XXXX XXXX, I alerted them that I had made a partial payment to the energy company, and agreed to pay the balance in full that same day. They were supposed to debit my checking account for the balance, once they confirmed my partial payment with the energy company. I was assured that the collection activity will not be reported or appear on my credit report because I was paying off the amount within 30 days of them receiving the account. Because I authorized an amount that was {$.00} more than I owed, XXXX XXXX did not debit my account, nor did anyone call me to alert me of the problem. They sent the collection to the credit bureaus, then called me to get authorization to debit the lessor amount from my checking account. This collection has lowered my credit score by almost XXXX points, and it 's affecting my ability to get an approval to close on the purchase of my new home in a week. I 've been getting misleading information from every party involved, yet the collection remains on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Account was disputed multiple times and validated as correct, I then sent IRS XXXX showing their report was incorrect and they finally corrected. They are now reporting the old information and again have stated they validated as correct even though I have provided proof the account has been settled and has a XXXX balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My SSN was recorded wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
There is a collection opened on XX/XX/2016 fro XXXX dollars. 
I have no idea what that is ... .... but I do not want to be affected by that. 
I always pay my bills on time

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
We request your action against the XXXX which failed to protect its customer ( XXXX XXXX XXXX XXXX XXXX under Fair Credit Billing Act ( FCBA ) and paid a merchant for goods not received by the consumer. 
XXXX XXXX accepted the forged XXXX delivery receipt although the consumer confirmed that did not receive the goods and XXXX confirmed unavailability of signature. 
On our dispute that recipient of our order did not receive the goods, the merchant provided additional forged email as evidence to its delivery to the recipient of our order. We do understand that XXXX XXXX is not a law enforcement authority but at least it could question the merchant if the provided proof is forged on the basis of the police report we had submitted to it. 
The claimed delivery address does not belong to the recipient of our order. We provided the evidence to the XXXX XXXX that the merchant was aware about this fact and looking for our help to subpoena the property owner where it claimed the delivery.

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 2016-04-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I just turned XXXX, ( fresh out of highschool ), i tried to get an apartment close to my college and they denied me. One reason is because years ago someone took out a MORTGAGE LOAN in my name, I am only XXXX so it was when i was an illegal age to consent for anything. I do n't know how they did it, but they did and i plan on taking legal actions against the person, and the bank who did not do a good enough identity check.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
More than one year ago I disputed an item on my credit report through Equifax - XXXX XXXX # XXXX. The dispute was never resolved and a notation on my report has said for quite some time, " ACCT IN DISPUTE ; RESOLUTION PENDING '' The Fair Credit Reporting Act requires all disputes to be resolved within 30 days. Equifax has been harming my credit by not resolving this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My brother and I have the same first name and last name with different middle names. We have different birthday and social security numbers so we did n't expect the report to be mixed up. This can create some issues. For example, my brother just got a car loan but it 's not my car loan. When I wanted to ask for credit report, they asked me if I have a car loan which I do n't have but they said the identity test failed. It 's really stupid because they could have checked that the middle name, date of birth, and SSN are different.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: WI

Complaint narrative:
Seterus is charging me fees to see if I lice in my house. They " say '' they send a guy out to see if I still live there. I call them every month and talk to them. They took the account over in XXXX of " XXXX ''. I was disputing some payments. And if you looked at my account I made payment every month. So I tryed to pay extra to get caught up. so setures stole the money for fees and charges I was NOT aware of. Why would you send a guy out to check the house out when I call ever month and make extra payment, unless you care ONLY about profits and are trying to steal house? If they give back my money I payed extra, I would almost have enough to get caught on my payments. Please help me end this over burden greed bank practice so I can own my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: Delev & Associates, LLC
State: OH

Complaint narrative:
Delev law is currently working an account on behalf of university XXXX. they claim that i owe for a class that i did not sign for and did not attend. they took me to court in XXXX Ohio where i do not live and have never reside. iI did not dispute that i attended school at the university XXXX, through teleconferencing, but i did not take this class, as i Un-enrolled before the time in question. they do not have a signature by me. the judge would not hear me out said that I owed, by the time it went through the court it was inflated from a XXXX dollar debt to over XXXX. The state of Ohio has taken my state tax return for the last 3 years for this, I have paid over XXXX dollars towards this and they continue to state that I owe XXXX now. To make matter worse, they have assigned my account to a XXXX XXXX. The collector will not take my call or my husbands call, when we are available. He is always out of the office. We ask for another agent or his superior, and they state that we have to talk to him that he has final say on the account and they can not help us. WE just want to be done with this, we have made an offer of XXXX to settle, the office of Delev refused, stating that would not be accepted, even though they did not send that to the client for approval. They refuse to work with us only demanding that the balance be paid immediately and nothing else. I asked if I could talk to XXXX University direct, they said no, I asked if I could talk to someone at the Attorney general office they said no. They did n't read me a mini miranda, they did not give me full and complete information about the debt. I feel that they have broken the law in the state of Ohio by not giving me proper information or ability to take care of this. I do not want to deal with this office and request that it be sent either to the original creditor or The actual attorney general office directly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: American Credit Acceptance, LLC
State: FL

Complaint narrative:
I purchased a XXXX XXXX from a well known nationwide dealership and because I needed financing American Credit Acceptance agreed to be the lender. While attempting to make the first XXXX payments online and over the phone the aforementioned lender had major difficulty processing a credit card payment. It literally took XXXX phone calls for XXXX payment to be processed. Several days after going through similar issues with the second payment, I received several calls and voice messages the week of XXXX XXXX from American Credit Acceptance. I returned the call just to be told by one of their reps that the company no longer accepts credit cards as a payment option. Is this legal? What 's my recourse, if any? Can a merchant in the U.S. all of a sudden stop taking credit cards? Can the consumer be forced into using payment options such as XXXX XXXX and XXXX XXXX? I use my XXXX XXXX XXXX XXXX XXXX for the points/rewards and it 's the only credit card I own. If they ca n't accept credit cards then I prefer not doing business with this organization. Please Advise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: American Credit Acceptance, LLC
State: FL

Complaint narrative:
I have obtained a Car Loan with American Credit Acceptance in XXXX have have paid on time over and above the minimum payment which is {$300.00}. The record will show I am paid up several months in advance in order to minimize the High Interest Rate. 
However, to no avail, most of the payment ALWAYS goes towards interest paying very little on the Principal. I tried to refinance for a better terms with Credit Unions, and Commercial Banks, and each time I request a payoff, I am quoted over the phone, exactly the outstanding balance on my statements, In other words, no discount for paying off ahead of time. 
Since XXXX XXXX, XXXX, I have requested a payoff and was promised that I will received the information by email. The New Lender called over and over, and was promised the same thing. Now the balance have increased from {$3600.00} since XXXX XXXX, to XXXX XXXX, XXXX to {$3600.00}. 
It appears over the last two years, American XXXX Acceptance does not want to have loan being paid off by another Lender, so they delay, delay, delay until I give up. 
I am XXXX XXXX XXXX and can not ward off imminent medical issues that comes with getting old, and all I want to do is pay off this loan

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 2016-04-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP
State: NJ

Complaint narrative:
PLEASE DO NOT REJECT THIS COMPLAINT. THE LOAN/ACCOUNT IS IN XXXX XXXX XXXX NAME AND I 'M XXXX XXXX THE RIGHTFUL OWNER AND THE ONLY OWNER TO THE PROPERTY SECURED BY THE CURRENT LIEN. I 'M NAME IN THE FORECLOSURE ACTION / LAWSUIT AND I HAVE ATTEMPTED TO RESOLVE THIS MATTER. 
I have tried to save my home for nearly 2 years or more now. I have continued to receive the runaround from the following parties XXXX XXXX with The XXXX XXXX, Selene Finance and their various representative, XXXX Mortgage XXXX XXXX. I provided all the documentation that was asked of me to include a plan to resolve the mortgage and unfortunately no one has responded back to me. The loan is currently in the name of party who is non responsive however through a court order the house was awarded to me. Please help, I want to save my home and I can afford it. See all documentation and communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14 00:00:00
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: McCullough Payne & Haan, LLC
State: GA

Complaint narrative:
I wanted to choose both options above, which are : Sued me without properly notifying me of lawsuit and sued me where I did not live. Meaning, they sued me in a county where I have never lived at. I got the case file from the county they filed in. I was never served and it states it in the paper work. 


Let me tell you about this practice this company has with filing garnishments and lawsuits in different counties, so that the person that they are after does n't have a chance to respond, answer, or show up in court on a court date they were never notified about. Yes, that is me. The only reason I was notified about this garnishment is because my job notified me. Please keep in my that my job tried to stop the garnishment because they have been doing this for a few years now. They then threatened to go after my employer. They are acting on behalf of GMAC which is now XXXX XXXX. We spoke with them and they told us that they are acting in an illegal matter. We have consulted with an attorney. They acted illegally by first filing a lawsuit in XXXX XXXX that we have never lived in. We went down to XXXX County to get the entire case file. They have never filed in XXXX county that we lived in. No one has ever served us at all. This is n't about whether we owe a debt or not from 11 years ago. This is about their practices. We have also filed a complaint with the consumer agency in georgia. We have mailed a demand letter to XXXX County, demanding that they cancel this garnishment and our reasons why. We have faxed a copy of this letter to the Law firm/collections agency as well. We received notification that the fax succeeded. We also sent a letter to them as well. Lastly we have filed a complaint through the attorney generals office. We are also prepared to file a civil suit demanding that wages that have been garnished, be repaid, if it is n't stopped immediately. You can not go around illegally garnishing wages through illegal procedures. Our attorney says that we have a very good case and that they are in violation of the fdcpa as well on how they went about collecting this debt. If they want to contact me, they can. Not regarding collecting this debt though. This is regarding how they can avoid legal action period. My phone number is not for them to call me trying to collect this debt either.

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 2015-12-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
We submitted a short sale offer for review on XXXX/XXXX/2015. The file has XXXX as the investor, and the offer was also submitted to them through XXXX. We were never advised until we called several weeks later that the file was declined by Wells Fargo on XXXX/XXXX/2015. They refused to open the file for short sale review despite XXXX telling us they had not right to negotiate the file. After multiple calls we were able to have file re-opened. All along we advised our concern was the pending sale date of XXXX/XXXX/2015. We are not being advised by Wells Fargo the offer was declined although XXXX never acknowledged they received the file from them or countering our offer to provide an opportunity to get the short sale approved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I entered into a loan agreement with Wells Fargo Mortgage on Monday, XXXX XXXX, 2016. I had been preapproved for several months. I advised my loan officer that I was looking at many different types of homes to purchase. In XX/XX/XXXX, I asked if they lent on Manufactured homes. I was advised the did indeed lend on that type of home, if the land was included. A week or two later, I asked if they did leased land in communities. I was advised that if it was in an approved community, they would. I gave the name of my community. I checked back a couple of times, to verify a purchase was possible in my chosen community. I was advised it was approved. I closed on the sale of my home on XXXX XXXX, 2016. I signed a contract to purchase a home that afternoon and proceeded to start the formal loan processing process. I was advised I would need to pay {$610.00} for an appraisal. I gave the loan agent the number to my credit card. I forwarded all requested documents and signed all forms. I received a call from the loan processor the next day to go over my paperwork. He stated he needed the name of a title company, I advised him it was not necessary in Florida. I requested he speak to the agent at the community. I called to check on things on Wednesday, he said he was almost ready to submit my documents for approval. On Thursday, my agent called and stated that she had indeed spoken with the lender. I received a call from the original Loan officer that stated they would not be able to make the loan on the manufactured home because it was not being converted into real property and their bank did not do that type of loan. After the shock of having deposited money on a home, I now did not have a lender, I asked for my appraisal money back. I was told the refund had been processed. I checked my bank account from Friday to Monday, XXXX XXXX, no refund. I called on Monday and left a message for the processor with no call back. I called again later in the day and he told me he would check on it and call me back. I did not receive a call back. I called again Tuesday and given a tracking number for the transaction, that only is trackable through their system. I call my bank, they have not pending deposit. I call for a supervisor and got voice mail. I do n't understand why it takes this long to credit my account.

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 2017-01-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Solomon and Solomon, P.C.
State: NJ

Complaint narrative:
Complete college from XXXX in XXXX NJ in 2011 could not keep up with my payments due to the amount sent paper work and tried to make payments due to not being able to make payments and the company not able to correctly take care of my paper work such as the information i sent them in order for me to defer my payments i was sent to collections and my credit history has been a mess since which includes a lien in my accounts which has not allowed me to find the proper jobs that will allow me to make payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-24 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: ERC
State: FL

Complaint narrative:
this account is not mine. my account with XXXX is active

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed