vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-07 00:00:00
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: DFC Global Corp.
State: FL

Complaint narrative:
The store allowed an extend payment plan on a payday advance that was paid for in full by ACH check on XXXX XXXX, 2015 and fail to refund cash payment. 

I obtained a loan of {$500.00} from The Check Cashing Store and agreed to payback {$550.00} on XXXX XXXX, 2015. I was not able to pay the full amount on my due date. 

The representative allowed me to make a partial payment of {$300.00} in cash in order to extend the remaining balance of {$250.00} for my next pay period. 

The Check Cashing Store ran my check which cleared on XXXX XXXX, 2015 in the amount of {$550.00}. 

I contacted the store and was advised they had no record of my cash payment and that my receipt was not valid because it was tendered as a Money Order. 

The rep claimed she could not do anything but have the manager XXXX look at the surveillance cameras to prove I paid cash. 

The Check Cashing Store or the manager has made NO EFFORTS to contact me with results of the surveillance camera or my REFUND of {$300.00}.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
As a condition of our marriage dissolution my ex-husband was supposed to file our taxes for 2008. He failed to file State taxes & ignored multiple certified letters notifying him of the debt liability, and then the tax lien being placed on us. I no longer resided at that address so I did not receive notification of the lien until it hit my credit report. I contacted the creditor, arranged payment, and made sure the debt was paid, paying the lion-share of the debt. The lien has since been released, but Equifax says it will show on my credit report as a released tax lien for up to 10 years. I want the tax lien information completely removed from my credit report. When I learned of the tax debt, I actively took steps to pay it off, contacting bill collectors and paying what my ex-husband failed to pay. Although it appears as 'released, ' this tax lien threatens to stifle my ability to gain credit, making it even more difficult as a divorced woman to establish myself financially after my divorce. Why must responsible people be made to suffer? Have n't I suffered enough?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I checked my report via XXXX and my inquiries were all removed now they are all back on and I was not advised as to why? 

Why delete and then add them back?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: ID

Complaint narrative:
I have called numerous times, and sent a letter to XXXX, some company named XXXX XXXX XXXX, and XXXX, requesting they send proof of account ownership or a signature card with my signature on it. After repeated attempts at calls made, a letter was sent XX/XX/XXXX to each institution, I received a response letter from the XXXX of the Comptroller of the Currency dated XXXX XXXX, 2016 stating they had forwarded my complaint to your agency. I have made several attempts to have these XXXX accounts with the institutions listed above to remove derogatory information being reported continually on my credit report without any success. I have correspondence from XXXX stating they have declined any further action for the past XXXX years, however it still remains on my report as currently in default, and subsequently negative. I would like assistance with addressing these accounts as listed above as soon as possible. Thank you for your help in getting this problem resolved!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Equifax continually discriminates towards me as XXXX XXXX US citizen *prohibiting all access for me to call executively about my consumer profile from every phone number I have within the US . @ XXXX XXXX XXXX in the XXXX executive office in consumer affairs consists on laughing the matter off than hangs up when I requested their IT dept. This was reported to their human resources director XXXX XXXX XXXX that I suspect internal compliance violations by their executive office that is solicitously invading in affairs of my consumer privacy on purpose & it needs to stop soon or I will seek to press charges. Do n't I have the right to be concerned when I 'm denied technical assistance?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
A charge of $ XXXX was placed on my XXXX XXXX XXXX The charge was at XXXX XXXX XXXX using a XXXX XXXX = XXXX CARD!! This is impossible as I NEVER use the XXXX Card and never carry it AND I have a XXXX 's Club card! In my query to XXXX, they refused to send me ANY docs substantiating WHAT was charged. I refused to pay and they eventually turned the charge over to XXXX XXXX. XXXX XXXX called to collect and I informed them I would be happy to pay IF... IF they would show me the actual transaction, which they refused. XXXX XXXX then reported it to Equifax and Equifax deducted XXXX points from my credit of XXXX to XXXX. I challenged the report to Equifax AND XXXX ; Equifax reported they had " INVESTIGATED '' and found XXXX XXXX 's report substantial, NEVER addressing MY request for ANY documents attesting to the charge. I should have paid the THIEVES!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
All of the credit inquiries were made on the same day through a company that was searching for the best rate. I found information regarding credit reports that stated that inquiries made within two weeks are considered XXXX inquiry and these inquiries were actually made the same day. I ask that these items be removed or be reported as XXXX entry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have asked Equifax to please correct the items on my credit report. The filing dates and amounts are incorrect for the tax liens. They have refused to adjust although I have sent them supporting documents. I have also advised them the agency that they have provided for me to make contact with advised they can not give them any information on my case as they do not support XXXX XXXX. Also on the credit report the amount {$18000.00} is listed as an individual lien item however that amount is also included in the lien for XXXX. Which means this lien has been reported twice. Please investigate and advise

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Exeter Finance, LLC.
State: AR

Complaint narrative:
Exeter finance has now lied XXXX times they refuse to fix anything they mess up and dont honor anything they say first in XXXX on XXXX/XXXX/2015 they said I could do a two month deferral just fill out a form and return it by email filled it out sent it in got a call saying they do n't accept e-signatures ( even though they are legal 15 U.S. Code Chapter 96 - ELECTRONIC SIGNATURES IN GLOBAL AND NATIONAL COMMERCE ) but fine I resigned it with a LIVE signature logged back in to their secure messaging portal and sent it back in BEFORE the expiration date of the offer. I got some money and made a payment so I assumed I was AHEAD since XXXX months were deferred then a few months later I get a call they say I am past due by way more than would be possible I explained the situation and the rep says they never got the live signature form ( have proof it was in fact sent successfully ) but if I make just XXXX payment we can do a new deferral and all will be well again, this time no form is ever sent they collected the payment customer service now says im not eligible for the deferred payment agreement and must pay now to avoid repossession I pay them again explain that I was on unemployment and that billing me in this manner does nothing more than keep me behind and make it impossible to catch up I was now demanding they correct the XXXX previous deferrals THEY promised and no one could help not customer service not a manager NO ONE XXXX rolls around and I am past due now I have had nothing but unemployment for XXXX months but I advised them I was starting a new job on XXXX/XXXX/2015 the lady tells me again just make a payment call back in tomorrow and ask for the deferral and you will be current and can finally get back on track I gave them the last of my money as in my grocery money my gas money everything I had to make a payment I call the next day and the rep says well now you have a payment due because its your due date and you ca n't get a payment deferral unless you make ANOTHER payment I have nothing he tells me they dont have to honor their word because thats just their policy. On top of this fiasco they charge outrageous interest to the poorest customers college students like I was when the loan originated and that is just absurd we need help more than anyone so if you 're going to make us your target audience you need to be willing to work with the financial situation you KNOW we are in from day XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
my identity was stolen and i have notified GM financial, they have failed to remove the account off my credit profile, .. 
i was told the the car was repossessed in XXXX ... well i live in XXXX this account is as a result of identity theft and was not opened by me. 

GM Financial collectors call to make illegal threats.. these are against FTC rules . i have furnished them with notarized statements & police reports .. even court papers but they refuse to remove their false negative reporting also this account was included in bakruptcy and should have been removed anyway

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX, FL XXXX Equifax XXXX, GA XXXX XXXX XXXX, Texas XXXX XXXX, XXXX, PA XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX Equifax et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 
If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. I look forward to an expedite resolution of this matter Thank you. 


XXXX XXXX, FL XXXX

Company response to consumer: Closed
Consumer complaint received 2016-06-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I had my home inspected XX/XX/XXXX and everything was fine. I signed up with XXXX XXXX XXXX firm in order to manage my property at XXXX XXXX XXXX XXXX, XXXX, GA XXXX, from XX/XX/XXXX - XX/XX/XXXX. The firm found a renter for my property beginning XX/XX/XXXX. From XX/XX/XXXX - XX/XX/XXXX the tenant racked up approximately {$4000.00} in maintenance repairs. I continually complained to XXXX XXXX and after speaking with the broker he decided to terminate our relationship because I informed him that I may have to contact the State Attorney General 's Office. Several things were not done, and the broker stated that I should be happy to have them take care of my home even though I paid XXXX money to complete repairs before the renter 's moved in. In addition, it was against the contract for renters to work on anything in my property. I was unable to switch to a new management firm until the sewer line was replaced. XXXX quoted me a total of {$4200.00} and I used the same contractor but was charged {$3400.00}. Currently, I have XXXX 's quote and my quote from the plumbing company in writing. I fixed the line after leaving XXXX XXXX XXXX and began working with XXXX XXXX. XXXX did not contact me regarding any bills from that point forward. XXXX XXXX billing office released all funds ( Security Deposits ) to the new management firm, so why did they place a statement on my credit report stating that I did not pay something. I do not disburse funds, they do! XXXX has my address because I do not live in XXXX, GA, and every billing statement has my P.O. Box address on it. XXXX XXXX can not use the excuse that they sent the bill to the renter 's address when they know I do not live at this address. I want this negative charge off removed from my credit report. The home is co-owned and another letter will be submitted for my mother XXXX XXXX regarding her credit report and the negative statement that XXXX has wrongly placed on our reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Receiving unwanted marketing/advertising
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have disputed the XXXX inquiry 's on my reports 3 months ago I never got any notice of. Resolution at all. All of them are still on there. Some of them are on there XXXX. I 'm supposed to have a fraud alert on all reports but noone checks with me before they hand out my report 's to everyone. I do n't authorize any companies except XXXX. I 'm upset because the company 's did nothing to fix this problem. I never received any information on my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
My mortgage company ( nationstar ) is telling me that I am short over {$5000.00} in escrow. I asked where did all the money you collected from me for escrow go? Keep in mind the increase in taxes and home insurance is only {$29.00} from last year. They are raising my mortgage payment over {$440.00} a month with less than 30 days notice. How is this my dilemma? How do they allow such a shortage. I asked if they can provide me a breakdown of where my escrow payments went and they said they could not provide it. I pay extra every month and to be told I am over {$5000.00} short doesnt make any sense. Also When they first took over my loan I owed {$370000.00} I paid for several months and all of a sudden I see that what i owed increased instead of decreaased. I do not trust this company. Please help me correct this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: WA

Complaint narrative:
this is the third debt collector that has contacted me regarding a loan discharged in bankruptcy. I sent the requisite letters and they have reported it to XXXX, XXXX, etc, where I have then disputed the claims. The debt was discharged in 2012. The continued reopening of this debt is very tiring and I am saddled with chasing it down each time. 

The company this time is Weltman, Weinberg and Reis, XXXX XXXX XXXX, XXXX XXXX OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
There are multi accounts that do n't belong to me, I have contacted the them directly and they were very rude, I have disputed them with all three credit reporting agencies and nothing is fixed. I do n't feel it is fair that I pay an attorney to get this corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Home foreclosed upon in XX/XX/XXXX. Settlement received for improper foreclosure in XX/XX/XXXX Credit report not reflecting improper foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
In order to even dispute an issue with Equifax they require : a valid drivers license, a XXXX or social security card, and a current utility bill with a current address all within 24 hours. All of this information must be sent to Equifax within 24 hours of the dispute via fax or mail with the XXXX digit confirmation code. This requirement creates an unjust and unfair business to the consumer and only makes it more difficult to file a dispute for incorrect information. Having already validated all of my information and provided my social security number and personal information, this is only to prevent consumers from filing disputes. Some consumers might not have access to their XXXX 's or social security cards ( I do not have mine ) within the 24 hour time period. This is a situation that needs to be looked into.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Challenge an unfavorable section or oversight on my credit report. I am for the most part unsatisfied with CRAs reporting mistaken information, and other. XXXX archives/attach.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I discovered XXXX unknown medical collections on my credit report XX/XX/2015. I promptly filed a dispute with Equifax and received a response dated XX/XX/2015 that they had " verified '' both accounts. I then sent out a letter to XXXX XXXX XXXX via certified mail on XX/XX/2015 and it was received on XX/XX/2015, requesting validation regarding both accounts. I have not received a valid response. I sent a follow up dispute to Equifax on XX/XX/2015 and received a letter dated XX/XX/2015, stating that they had again " Verified '' both accounts. Equifax 's refusal to properly investigate is a violation of the FCRA and FACTA

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This public record has been sitting on my report for years now. 
I filed a complaint with the City of XXXX, sent them documentation of my address etc, and they promptly removed the lien. The lien was removed because it was in fact AN ERROR, it never should have been placed on my report. At this point however a third party already sent these details to the credit bureaus. 
I 've since disputed the information with each bureau, XXXX & XXXX promptly removed it after properly reviewing the case. However, Equifax still continues to report this. Their response to my complaint was to simply contact the court who listed the information. The courts verified it was listed and removed, and the dates it was listed and removed. My complaint and my dispute was never whether I was the person in question - it was the fact that the lien was improperly filed and should not be listed on my report as a valid record. The original party who filed this is the XXXX County Recorder of Deeds, NOT the court where it was filed. This needs to be removed immediately. If Equifax inted to investigate, they must contact the ORIGINAL furnisher of the information, not a third party ( i.e. the court ). I have called Equifax several times and requested to be contacted by a manager or someone in authority to handle this, and each time I am then put on hold where all I hear for hours is hold music.

Company response to consumer: Closed with explanation