vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
It has bee over 60 days and no response from the Equifax. Please have to correct or remove this information ASAP! As I can not get credit do to this errors. 


XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX, XXXX Equifax XXXX XXXX Imply an investigation on the creditor, payment status, high credit, and the 24 month payment history. 
XXXX XXXX XXXX XXXX I am puzzled on this accounts information such as the payment status, comments, high balance, and terms. 
Possibly verify the data and repair or remove it from my credit file immediately Incorrect Name XXXX XXXX Can you make sure my name is presented completely. 
Update. XXXX XXXX XXXX A verification is needed on the status, comments, and the payment history. 
There could be mix up data and so repair what is needed or delete off my credit report XXXX XXXX HM MORTGAG XXXX If you could please compare your documents as i feel the account number, balance, pay status and high credit could be mistakenly reporting. If not accurate please withdraw from my report I thank you so much for taking the time to help me fix this all up as the commercials said you would be helpful in fixing this kind of stuff. 
XXXX XXXX XXXX DOB : XXXX/XXXX/XXXX SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The company said they would remove the negative credit information from my report and it never happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
I had a credit card with XXXX XXXX several years ago, it is reported on my credit report as XXXX separate accounts. Yes I know I need to repay it, but XXXX bad items vs XXXX is killing my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
About 2-3 years ago I attempted to trade in my car at a dealer. The financial manager told me my social security number was invalid. He entered it multiple times. I have since tried applying for other credit related loans and they all result in an invalid entry. When contacting Equifax , they send a report using my SSN, but my name was not even associated with my number. It also said invalid. I have contacted an attorney, who is clueless. I have contacted the social security administration which have checked all of my paperwork since birth that is normal. So, I 'm needing to know why this has happened. I need to be able to build and use my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: NY

Complaint narrative:
Our home mortgage was being serviced by Seterus. In XXXX 2016, we decided to refinance our mortgage.Prior to our closing date XXXX/XXXX/16, I contacted Seterus on several occasions to find out how much money was remaining in our escrow account, so that we would know what we could expect to receive back in the way of an escrow refund check after we closed and fully paid off the mortgage with Seterus. I was told that we would have {$4700.00} remaining in the escrow account. However, we instead received a check in the amount of {$2100.00} ( dated XXXX/XXXX/16 ) as our escrow account refund. When I called to inquire about this discrepancy, I was told that I must submit a request in writing requesting an explanation of the actual disbursement of funds from the escrow account, which I immediately did. I was sent a final escrow account disclosure statement, which showed the projected and actual payments to and from the escrow account. However, there is a large variation in the actual monthly payments to escrow. When I called again to attempt to get clarification on this matter, I was again told to submit a written request, which I did. After more than a month, I received a response from Seterus, which was a copy of my customer account activity statement. This statement is very unclear and confusing. I called Seterus and spoke to numerous representatives and supervisors, none of whom were able to clarify or make sense of this statement after spending numerous hours on the phone with them. Again, I was told to submit a written request to the correspondence department, even though my calls were to follow up on and clarify a previous response from the same correspondence department. I have sent this request on XXXX XXXX, 2016 and, to date, have only received confirmation from Seterus that they received my request, but nothing more to provide any additional information about the discrepancy between what I was told would be our escrow refund and the actual refund we received. This matter has been unresolved since XXXX 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
Equifax refuses to remove paid state tax liens even though they are satisfied. They " require '' a court order for deletion of the state lien. Meanwhile, the clerk of the court says they have never done that and will not do that. Otherwise, they 'd have everyone in there doing it. So I 'm stuck. Punished for 10 years for merely a few hundred dollars. Why will the federal tax lien be removed upon request which I 'm guessing is THOUSANDS, but the state will not budge? Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax has report inaccurate information on my account after I previously submitted a complaint. They have added several inquiries and XXXX account and another previous address that has nothing to do with me. They added the following inquiries XXXX on XXXX/XXXX/16 and XXXX/XXXX/16, XXXX on XXXX/XXXX/16 and XXXX/XXXX/16, XXXX on XXXX/XXXX/16, XXXX XXXX on XXXX/XXXX/16. This account was added XXXX XXXX and this address XXXX XXXX XXXX XXXX, XXXX AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Denied multiple times of my complete consumer profile file..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On my credit report there is an incorrect address listed as a previous address.I have never lived at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. This address is listed for me but I have never lived in XXXX and I have documentation to prove that I was living in XXXX as well as working in XXXX when this was added to my report. I have made a police report In reference to this and notified the credit bureaus although this has not yet been removed

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a ton of inquiries on my credit report from 2015, but did not apply for credit through these companies. I am recently separated and it was discovered that my ex was applying for credit in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: DISCOVER BANK
State: FL

Complaint narrative:
Someone stole and used my information as a co-signer and took out a student loan. I did not sign my name anywhere for this. It is identity theft and I never authorized myself to be a co-signer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: DISCOVER BANK
State: IL

Complaint narrative:
In XX/XX/XXXX I received a letter from Discover Student Loans that was very vague and lacking in details, but it said that there was a change in my account regarding interest capitalization and due to this change I am eligible for a credit. I was not give specific details regarding the interest, nor what the credit would be, and I have twice sent them a message through the mail center in my account and have not received a response. In addition, the XX/XX/XXXX student loan interest payments attributed to my account totaled {$460.00}, according to Discover, but according to my calculations that total should be {$600.00}. I initiated an online chat with a representative last week ( I believe it was either XX/XX/XXXX or XX/XX/XXXX ) to discuss the discrepancy. The representative added the interest as well and also concluded that the information included in my tax statement was incorrect, and therefore was requesting that a specialist look into this situation. I was told that I would be contacted in the next day or two, but nobody ever tried to contact me. So today ( XX/XX/XXXX ) I once again initiated a chat where I was told that after looking into the tax situation it was determined that the " credit '' I was eligible for was applied to my student loan interest payments for XX/XX/XXXX which reduced my interest payments by {$130.00} ( according to my calculations ). This makes absolutely zero sense to me. Why would a credit be applied to interest payments that were already made, which could reduce the amount of my tax refund? Why would n't that credit be applied to my current statement or statements going forward? I asked the representative these questions and he was unable to answer them. He told me that nobody would be able to answer those questions for me because changes being made to accounts " happen in the background '' and I would not be able to get an explanation as to how things were calculated. In my opinion this is incredibly deceptive. How can changes be made to my account without an explanation given to the consumer? If adjustments are being made, then somebody should be able to explain to me exactly what those adjustments were and how they were calculated. I am extremely frustrated with the lack of information being provided by Discover Student Loans, and I would like some answers as to why a supposed " credit '' to my account actually looks like a penalty when it comes to the information I need to include on my tax returns.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: DISCOVER BANK
State: MD

Complaint narrative:
This is my XXXX complaint about actions of the Discover bank and account that I used to have in the past with them. My XXXX complaint was about disrespectful attention and harassment at work settings by hired attorney XXXX. I currently contacted the Executive office of Discover Financial Services. When my card stopped working at different places I requested to change my account and resend me a new card. They had changed my account and resended me a new card that I had never got in mail. I requested to to resend it again and no one respond me so far. Yesterday came to my work woman from Discover and its financial collection agency. I pay the card XXXX a month I requested to have online account ot save XXXX on money order and stamps they have n't bill me, I have n't received any paper statement with address of payment and the XXXX stands up too high payment based on my current income its over XXXX. I think everything is unrealistic. They also reported to the credit buraue I think that I do not have access to internet and card account to make payment. They just want to mess my credit and stopped all communications with me based on I believe racial discrimination of XXXX collection agency of my employment supporting XXXX of XXXX with prove of that card belongs to them and they will pay it off when will hire me. I am against of unwanted employment and actions that XXXX is taking for my personality discriminating me against desired employment and income and other factors which are happened with Discover financial at work settings. Please advise what I can do in that case. I mail payment but do not know if they are accepted and why they ca n't send me temporary card with online account or monthly statements with confirmation of my payments. I had never got the replaced card in mail and other mailings as well, only discrimination at work by XXXX agency hired to collect the debt. 
Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK
State: FL

Complaint narrative:
This account is reported in to XXXX, XXXX and XXXX. The account is being reported to have a derogatory rating which is very troubling to me! I am concerned about my credit because I was recently denied a loan and my existing credit accounts have increased my interest rates. This negative rating has caused me serious financial distress and will continue to cause me financial and emotional distress until this issue is resolved. 

In researching my legal rights, I have found several items that I understand I am entitled to. In order to rectify this situation and ensure my rights have not been violated in any way under the various consumer protection laws, I must hereby formally demand and information request!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
Summary of complaint : 1. In violation of PayPal User Agreement, Section XXXX, PayPal failed to properly investigate and protect me against unauthorized charges and illegal selling practices, in which Seller doubled my order without authorization, and then refused to refund the extra item unless I pay restock and shipping fees which exceed the refund value. 

2. PayPal failed to provide an explanation of their decision to deny my claim, which is in violation of PayPal User Agreement, Section XXXX : " If we decide that there was not an error, we will include an explanation of our decision in our email to you. '' 3. PayPal refused to provide documents used in the investigation, which is also in violation of PayPal User XXXX, XXXX XXXX : " You may request copies of the documents that we used in our investigation. '' Summary and timeline of transaction and dispute : XXXX/XXXX/XXXX : XXXX. XXXX XXXX : I order a Sweater, size Small, from XXXX ; paying via PayPal. 
XXXX. XXXX XXXX : I review email from XXXX and notice invoice is for size Medium. 
XXXX. XXXX XXXX : I respond by requesting XXXX to cancel wrong order and send size Small. 

XXXX/XXXX/XXXX : Three ( 3 ) days after my request to cancel the incorrect order, XXXX ships out XXXX orders, XXXX ( XXXX ) Small and XXXX ( XXXX ) Medium, from XXXX, XXXX. 

XXXX/XXXX/XXXX : After discovering that XXXX has shipped and charged me for both sweaters, I advise XXXX of the error and request to return the incorrect order. 

XXXX/XXXX/XXXX : XXXX responds " we sent you size M, by the way, we are XXXX size, it will run a little small.we think M is better for u '' XXXX/XXXX/XXXX - XXXX/XXXX/XXXX : After three ( 3 ) weeks of poor communication with XXXX, XXXX finally agrees to accept a return if I pay {$30.00} shipping, and after receiving the item they will deduct a XXXX % restock fee and issue a refund of only XXXX % of the original cost. 

XXXX/XXXX/XXXX : Frustrated with the slow/poor communication, I report the issue to PayPal in hopes of a more timely resolution. 

XXXX/XXXX/XXXX : 1. I receive an email stating that PayPal denied and closed my claim, with no explanation as to why. This email states : " If you 'd like a copy of the documentation we used in the investigation of your unauthorized account use claim, email us at XXXXXXXXXXXX ... '' 2. I send an email to XXXXXXXXXXXX, requesting the documentation used in the investigation. 

XXXX/XXXX/XXXX : I receive an email from XXXXXXXXXXXX refusing my request for documentation, stating, " To request information about a customer? s PayPal account, an attorney or law enforcement officer must submit a legal subpoena. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-28 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
Please refer to my prior complaint filed in XXXX 2015 to CFPB. Discover falsely and unjustly dropped my ID protection coverage on the pretense that it had XXXX failures at Address Verifications to my home address. This has been disproven by an investigation by the USPS, XXXX XXXX ( XXXX Manager ) XXXX XXXX XXXX XXXX, XXXX XXXX. I have the letter and would like to attach as it has been scanned. But the CFPB should know based on my last complaint that I had been receiving regular hard copy billings for ID Theft protection and paid them on time prior to registering the CFPB complaint.. UPDATE : Today the United States Office XXXX XXXX XXXX XXXX XXXX informed me that my ID and other confidential information were breached XX/XX/XXXX 2015 ( while, incidentally I was still under Discover coverage ) and that it would offer me and others so breached, three years of FREE US Government monitoring for which I registered today.. The point is that though I received an email from a Discover principle that my ID coverage would be reinstated based on the CFPB probe, that Discover NEVER reinstated it, so I am herewith registering my decline of any future ID theft coverage by Discover as the US Government is taking over.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: DISCOVER BANK
State: LA

Complaint narrative:
Some of my private student loans, originally serviced by XXXX, were sold to Discover Student Loans. Of the XXXX loans serviced by Discover, XXXX have seen a major jump in interest to 10.125 %. The third has remained at a reasonable 4.5 %. I know numerous people with Discover Student Loans and they have interest rates in the 3-5 % range. Since I went back to college and had trouble finding a job afterwards, I have not been able to make anymore than the minimum payment and my balance keeps going up. I am already having trouble making ends meet and Discover decides to raise my interest rates to an unprecedented level. They are taking advantage of my poor financial condition to make the principal balance higher so they generate more income on interest. Numerous people are in my position, trying to make a life for themselves but can not do so because student loan companies are conducting unfair business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Dovenmuehle Mortgage, Inc.
State: PA

Complaint narrative:
Please see case # XXXX with Dovenmuehle Mortgage Company. Today I am complaining about excesses fees and no return of " bankrupcty fees '' I was released from from previous XXXX Mortgage - Please find attached letters ( 2 ) from XXXX. Additionally, I completely paid off the exagerated fees to get rid of Dovemnuehle and they have NOT forwarded my deed or additional documentation ending our business together. Find attached their last statement to me and the check that they cashed. I have a statement from the CLARIFY agency, where the inspections fees were asked to be verified by Dovenmuehle. They could not. This mortgage was current, paid every month, not on time, but current. Your assistance in securing my deed and any additional fees owed to me from these people is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: DISCOVER BANK
State: OK

Complaint narrative:
Discover Card will not issue the proper credit for merchandise that was returned to a vendor. The vendor was selling the product as " new '' but it was not. They say that the time period has lapsed when in fact I was waiting on Discover and the vendor for a response. Have all correspondence and proof of delivery receipts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: DISCOVER BANK
State: NC

Complaint narrative:
The is at the least the 2nd complaint that I 'm filing against XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX and Discover within the last several months. I have been harassed and threaten for almost a year now with emails, phone calls, letters, and now a legal Judgement. XXXX XXXX XXXX has been consolidating and resolving 7 debts for me starting in XXXX of 2014. Over 60 % of the debts have been resolved and I 'm waiting on the remainder to be resolved. But all Discover has done is harass and threaten me since XXXX XXXX XXXX has been consolidating and resolving my debts. My rights have been violated and I want XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, and Discover investigated by your agency and the FBI. They seem to be doing the same thing that your agency caught XXXX doing..? There is something illegal going on with Discover 's practices and I would like for the Federal government to investigate all the parties previously mentioned. I 'm writing to the President of the United States, the U.S. Congress, the FBI, the Federal Trade Commission, the Governor XXXX, and the Governor XXXX about Discover and their practices ... I have already started writing. I 'm sending the copies of the Judgement to the White House and others mentioned ... and to as many media outlets as possible to tell the public what Discover has done to me and possibly many others.

Company response to consumer: Closed with explanation