vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-08 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: WLCC
State: OK

Complaint narrative:
I had to close my bank account to prevent Green Circle from taking money out of my account! ( XXXX XXXX XXXX, XXXX XXXX, XXXX ) Now I 'm receiving threatening e-mails from Green Circle stating that they are going to contact my references, and I received 2 emails from Green Circle that they are going to do a Wage Assignment ... last time I checked I did not volunteer for a Wage Assignment and two I realized that Green Circle is n't licensed!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-24 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: DISCOVER BANK
State: MD

Complaint narrative:
Discover advertises a XXXX % cashback bonus on all purchases a consumer makes with a Discover card at a gas station. On XXXX, I made a {$46.00} purchase at XXXX with my card ending in XXXX. Discover failed to issue its advertised {$2.00} cashback bonus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-30 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
My Discover Card was used fraudulently. I reported the charge I did not recognize. Seven days later I received a message that my new card had been mailed, however the address was incorrect. I called Discover and they informed me that someone had changed the address within the seven days since the fraudulent charge. Why was someone allowed access to change an address during a fraud dispute? Why was the card mailed without my verification of the correct address? In addition, when I called Discover their Customer Service did n't seem to verify my identity and a Fraud Specialist by the name of XXXX offered to reset my online password. A human accepts my password?? I did n't reset it. It seems that Discover has serious flaws in their security procedures. As usual with large institutions, the public can not speak to an executive. I am not asking for any action specific to my issue. I just want someone from CFPB to inform Discover that their security procedures need a strong review.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
I RECEIVED A PHONE CALL FROM XXXX ON MY HOME SCREEN ON MY MOBILE DEVICE IT SHOWS THE NUMBER FROM COLORADO. WHEN I ANSWERED THE CALL THE MESSAGE STATED ABOUT MY CREDIT CARD BALANCE STATING TO PRESS XXXX. AFTER DOING THIS THE PERSON WHO ANSWERED MY CALL WAS XXXX AND SINGING.! I HUNG UP! ANOTHER NUMBER ASSOCIATED WITH THIS CALLXXXX XXXX XXXX.-CREDIT CARD/ LOWER INTEREST RATESXXXX XXXX XXXX XXXXBOTH THESE NUMBERS WERE FROM THE SAME CALLER. 


I RECEIVED XXXX CALL BUT XXXX DIFFERENT NUMBERS WERE SHOWN

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-18 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK
State: OH

Complaint narrative:
This is in regards to my previous complaint with Discover Card and the following transactions ... 
XXXX/XXXX/16 XXXX {$700.00} XXXX/XXXX/16 XXXX XXXX XXXX {$380.00} XXXX/XXXX/16 XXXX {$4900.00} XXXX/XXXX/16 XXXX XXXX XXXX {$2000.00} XXXX/XXXX/16 XXXX {$2600.00} XXXX/XXXX/16 XXXX XXXX XXXX {$1200.00} XXXX/XXXX/16 XXXX {$730.00} I am NOT paying for these. They are NOT MINE! I have received nothing of value from any of these companies. You need to take a closer look at these. I contacted XXXX and they are adamant that they refunded the {$2600.00} on XXXX/XXXX/2016. Do your job correctly and contact them. I suspect if you contact the others, they will tell you the same. Even if they have n't issued refunds. I 'm supposed to be covered by your XXXX liability policy because the transactions ARE NOT MINE! This has gone on long enough and I 'm not going to be bullied into paying for something that I did not purchase. There 's also the {$6500.00} balance transfer that I did not make. My identity was stolen and you need to look at this again!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
On XXXX, I called Discover to talk with them about an open dispute I have. 
My intention was to provide them with new information relating to the dispute, and verify the claims of the party I filed the dispute against. 
In speaking with agents at Discover, I was transferred multiple times, asked to repeat my information far too many times, and refused assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Finance of America Holdings LLC
State: TX

Complaint narrative:
PARENTS CUSTOM BUILT A HOME IN XX/XX/XXXX. THERE HAS BEEN SEVERE DAMAGES ON GOING WITH THIS HOUSE. IN XX/XX/XXXX, THE DAMAGES MOUNTED OVER XXXX. MY MOTHER WAS FORCED INTO TAKING OUT A REVERSE MORTGAGE IN ORDER TO REPLACE THE ROOF IN XX/XX/XXXX. IN XX/XX/XXXX, XXXX, WE FOUND OUT THAT THE MAIN SEWER LINE RUNS ALONG THE LEFT SIDE OF THE HOUSE WITHOUT AN EASEMENT. IN CONTACTING THE ENGINEER DEPARTMENT FOR THE CITY, WE WERE INFORMED THAT THE CITY OWED US A GREAT DEAL OF MONEY AND THE TAXES WOULD BE TAKEN CARE OF BY THEM SINCE WE WERE FINANCIAL BROKE BECAUSE OF ALL THE DAMAGES WE PAID FOR OVER THE YEARS. AS OF XX/XX/XXXX, THE REVERSE MORTGAGE FORCLOSED AND SOLD OUR HOME WITHOUT OUR KNOWLEDGE. WE HAVE BEEN WORKING CONTINUELY WITH THEM OVER THIS PROBLEM. WE HAVE SENT THEM ALL DOCUMENTS SHOWING THAT WE HAVE AN EXCELLANT CASE FOR FRAUD AGAINST THE INVOLVED PARTIES. THEY INFORMED US THAT THEY DIDNT CARE AND WAS N'T THEIR CONCERN. MY MOTHER HAD XXXX THE DAY BEFORE THE HOUSE WAS SOLD. HER HEALTH IS FAILING GREATLY AND IS FACING ANOTHER XXXX IN XX/XX/XXXX. I HAVE SUPPLIED THEM WITH A DOCTOR 'S LETTER STATING HER CONDITION TRYING TO KEEP US FROM HAVING TO LEAVE AT THIS TIME. THEY WILL NOT BUDGE. THEY EXPECT US OUT BY XX/XX/XXXX. ALL THEY CARE ABOUT IS THAT THIS IS A GOVERNMENT BACKED LOAN AND WOULD RATHER GET THEIR MONEY FROM THE GOVERNMENT INSTEAD OF THE TRUE RESPONSIBLE PARTIES. THESE PEOPLE ARE DESTROYING MY MOTHER AND THEY ARE NOT EVEN WHO WE DID THE REVERSE MORTGAGE WITH. I DESPERATLEY NEED HELP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-26 00:00:00
Product: Debt collection — Mortgage
Issue: Communication tactics — Threatened to take legal action
Company: Dovenmuehle Mortgage, Inc.
State: CO

Complaint narrative:
I have been trying to get my mortgage caught up with XXXX 's debt collection company for over two months, Dovenmuhle Mortgage Inc. Every time I speak with different people, I am told different things, I sent letters and no calls returned.I sent a modification package. Nothing done. I received a letter from attorney two weeks ago. I was told by law firm they ca n't give me information. Call Dovenmuehle and they wo n't give me info until I submit letter to reinstate, which I mailed on XX/XX/XXXX and submited by fax. Now I receive a letter from an attorney that they are foreclosing on my property even though I have tried to work with them to catch up my mortgage.Now I am having to do a Notice to Cure with XXXX County. XXXX/Dovenmuehle received my check and letter but not deny getting anything else from me!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: DISCOVER BANK
State: NJ

Complaint narrative:
The problem is with Discover bank debit card. It is going for 6 weeks and not yet resolved. Every time I call they are not able to give me any time estimate for the resolution. Each time they tell me that finance department is working on it. There are 2 transactions dated XXXX/XXXX/2016 in the amounts of {$4.00} and {$4.00}. These are not valid transactions. They are not able to give any information on these transactions. 
Their phone number is XXXX. My last contact was with supervisor XXXX. The debit card is associated with checking account that ends in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-04 00:00:00
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK
State: AR

Complaint narrative:
I opened an credit card account with Discover Card in 2004 and had about {$7000.00} in debt when I quit using the card and it was being paid from my checking account automatically. I assumed the debt balance was being paid down slowly but I discovered it was growing and the interest was increasing to about 27 %. I now owe {$20000.00}. I contacted them and asked for a settlement and they refused. They said as long as I was paying monthly they would continue to collect but if I quit paying they would sue for the entire amount plus costs. I realize my fault was not paying attention but I do n't feel I owe for debt I did n't make.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax reports XXXX account incorrectly. Account status is PAID IN FULL. They report it as collection/charge off. The account is paid in full. That is the CURRENT STATUS, and the current status is what is required to be reported by the Fair Credit Reporting Act. The 24 Month payment history should show XXXX, as in no report, as the account was closed in XX/XX/XXXX, there was no reporting from XX/XX/XXXX until XX/XX/XXXX. It was disputed, and was paid in full in XX/XX/XXXX. The reporting should show 3 months of late payments, and then a charge off XX/XX/XXXX, then it was closed, it should show XXXX, until XX/XX/XXXX when it should show pays as agreed, then should show XXXX for XX/XX/XXXX and after that. Balance should be {$0.00}, actual payment amount should be {$1000.00}. The report should show charge off amount of {$410.00}. Date closed should be XX/XX/XXXX, as they re-opened the account to accept full payment, and XXXX agreed at that time to report the account as paid in full, in exchange for the disputed payment in full of {$1000.00}. Comments should read Paid in Full after disputed charge off, the account reporting is still under dispute. 
XXXX promised the consumer to show the account as PAID IN FULL STATUS when they accepted the disputed amount in XX/XX/XXXX. Please correct this reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: NY

Complaint narrative:
I was under my parents insurance still at this time and is to be paid by them and not myself.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: DISCOVER BANK
State: PA

Complaint narrative:
XXXX have harassed, threatened me for a fraudulent debt they purchased from XXXX XXXX since XX/XX/XXXX. I requested a copy of the signed contract with Discover, an itemized " bill '' and proof that I opened a credit card, they refused. The judgement expired on XX/XX/XXXX and XXXX ( XXXX XXXX ) filed a Writ of Revival on XX/XX/XXXX which is past the XXXX and the Fair Debt Collection Practices Act. Due to similar proven illegal actions, XXXX have recently been fined XXXX for these illegal activities. On XX/XX/XXXX, XXXX XXXX created a new docket number and filed my social security number at the XXXX XXXX courthouse. XXXX never withdrew their " entry of appearance ''. On XX/XX/XXXX XXXX XXXX sent a request for interrogatories, which I responded in to the attached letter. If a debt is n't paid within 180 days, it 's written off. XX/XX/XXXX personally buy these debts, get away with these illegal action because XXXX XXXX sits on different boards, has family members/friends working in the XXXX court house. XXXX XXXX has been noted in a recent Supreme Case and has been warned to stop threatening and harassing, " The U.S. Consumer Financial Protection Bureau has fined a XXXX law firm and the debt collection company it worked with and ordered them to stop filing abusive debt-collection lawsuits. '' This is a violation of the Fair Debt Collection Practices Act. They are attempting to sue me for a debt I did not sign for, the debt is too old to be sued on and are attempting to seize property. I have attached all documents, including a letter to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: DISCOVER BANK
State: AZ

Complaint narrative:
I made a purchase of {$990.00} on XXXX XXXX, 2015 using my Discover it card with XXXX. Discover was running a promotion offering 10 % cash back on purchases made using XXXX. Discover has not paid the 10 % cash back that was promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-16 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect
State: FL

Complaint narrative:
A negative item appeared on my credit report stating an uncollected debt. I have no prior knowledge of the debt, and was never sent a bill or collection letter, EVER, for this debt. My credit score has declined as a result.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I requested validation of collections/ negative accounts on my credit report and received a printed copy of what looks like a bill/statement. This is not proper validation of these accounts and I requested removal. These accounts are still on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
HELLO FROM XXXX XXXX XXXX. 

A WHILE AGO THEIR WAS REFERENCE NUMBER REGARDING EQUIFAX , XXXX. THEIR A WHILE AGO WAS XXXX XXXX CREDIT CARDS IN XXXX, VA. THAT REQUESTED EQUIFAX TO BE MAILED TO THEIR OFFICE, AND YOU KINDLY HAD THAT SENT TO THE FEDERAL TRADE COMMISSION, AND THEY CLOSED XXXX ACCOUNTS DOWN. FORMER E-MAIL IS XXXXXXXXXXXX, XXXX DISTURBED THE E-MAIL, WHEN YOU GET AN OPPORTUNITY, COULD YOU PLEASE, SEND ME THE INFORMATION TO XXXXXXXXXXXX. XXXX FYI, I REQUESTED A XXXX CREDIT CARD, AND THEY CHECKED THE MAJOR EQUIFAX IN XXXX GA, AND THE CREDIT NUMBER WAS XXXX POINTS WHICH IS INCORRECT. 

XXXX XXXX! 

XXXX XXXX XXXX XXXX, SS # *********** HAVE A GREAT HOLIDAY, AND BE BLESSED

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have attempted to dispute this item with Equifax several times and they have failed to provide me method of validation/verification used. This account is not mine and I would like for it to be investigated properly and or deleted ... 

Accounts : XXXX , XXXX - Acct # XXXX I have no knowledge or records of the listed account ( s ). 
Please advise me as to the name and address ( es ) of the medical provider ( s ), the date ( s ) and type ( s ) of service, and to whom the service ( s ) was ( were ) provided, as any account ( s ) I might have had may be obsolete. 

If you can obtain this information, I also would need the name of the person providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This account in question was previously deleted due to fraud. It originally was XXXX account. The new company XXXX purchased XXXX and re-inserted the same account on my credit report. This needs to be deleted immediately. I have supplied Equifax with a police report, affidavit and personal identification. XXXX changed the account number to allow it to be re-inserted.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently was alerted that the XXXX governing the community ( XXXX ) my rental property is located in reported an open installment loan to Equifax for me. This open " Secured Loan '' shows a fixed rate and that it was opened on XXXX 2016. I have not authorized the XXXX or any authorized party to open a loan under my name nor have I been made aware that any XXXX related amounts would be reported to any credit bureau. I would like this information removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I receive an " updated '' status from XXXX instead of a deletion. I originally disputed a series of student load delinquencies ( XXXX ) on my XXXX, XXXX, and Equifax credit scores. I have only missed XXXX payment to XXXX ( XXXX XXXX XXXX ), which is now paid to date, and they chose to report this late payment XXXX times to the credit company. I have a fairly good score prior to this happening and I want to have it corrected as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have paid XXXX accounts on XXXX/XXXX/16. XXXX accounts reflects that but the other still shows as not being paid. I also paid off the receivable account for {$290.00} in XXXX also.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have numerous inquiries on my credit report with XXXX that I have continuously disputed. I did not apply for credit with these companies and would like the inquiries removed. XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
This credit account is inaccurate because the late payments reported are incorrect. The late payments correspond to errors committed by XXXX XXXX BANK Account # XXXX unilaterally and incorrectly reported payment of my mortgage history, this error was subsequently corrected and mailed into all XXXX credit bureaus ; nevertheless the late payments continue to appear on my credit report. I am requesting that all late payment history is removed due to this inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I had disputed multiple items with all XXXX credit bureaus. It did n't even seem like they did investigation since a couple creditors had said I was correct and that it would be removed. So I sent a second letter asking for information on how the investigated it. Still nothing. Sent third letter letting them know they were n't following the laws and asked them to remove the items within 15 days and they are still in reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
tried to talk to someone on the phone because I paid for my credit score but it was never sent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-28 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I have XXXX hard inquiries on my credit report from XXXX XXXX in the same week. I did not authorize the inquiries and I have communicated this to them on two separate occasions and they will not remove them. The inquiries we made by a third party vendor contracted to XXXX XXXX. I have a fraud alert on my credit report and I did not follow through and give them permission to retrieve the information. The inquiries are listed on Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I spoke with a rep at Equifax after about my 24th attempt about having XXXX of the inquires off my report that were not mine. I had been sent back and forth between the creditors reporting and the agency several times. They were just running me in circles. The rep apologized for what I had been through and she said she was removing all but the XXXX XXXX which is actually my only one. I was also told I would get something in writing, neither action was taken. This was over 3 weeks ago

Company response to consumer: Closed with explanation