vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-06 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: CREDIT BUREAU OF NAPA COUNTY, INC.
State: NY

Complaint narrative:
In XXXX 2015, I attempted to have XXXX XXXX installed. The installer came to my house to attempt to set up a phone jack in my apartment in order to connect my services. He informed me it would be extremely difficult and the connection would be terrible so I cancelled the appointment, cancelled my services with XXXX and returned the unopened modem. The person left within 20 minutes. Since then, XXXX has made several attempts to collect different amounts for services I never had. I 've disputed several claims from XXXX different collection agencies and spoken to XXXX many times over the course of a year to stop receiving these claims, but here I am, a year later, still disputing these charges, despite XXXX representatives telling me that the file is closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I disputed a report to equifax that a major delinquency on a loan with XXXX XXXX XXXX that has been discharged in a chapter XXXX bk was reported on XX/XX/2009 after my XXXX 2009 discharge. They reported first major delinquency on XX/XX/2009 bankruptcy was discharged on XX/XX/2009. My understanding is : " What Can not Be Reported However, if your creditor does not correct the status of your discharged debt, or if the CRA does not maintain an accurate report of your post-bankruptcy credit information, your credit may be unnecessarily damaged. When you discharge a debt in bankruptcy, a creditor can not report that debt as : currently owed or active late or delinquent or outstanding charged off having a balance due, or converted as a new type of debt ( re-aged, or having new account numbers, for example ). Equifax said it was reported correctly. It should NOT be reported at all. I have attached my XXXX 's 2009 statement of the payment being made even though it should not be reported as delinquent after chapter XXXX discharged. I attached the Equifax document of the response.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
after disputing the tax lien from my file the bueraus keep deleting it and putting it back on without ANY type of noticfication or validation, i have sent in all of my identity theift police reports and i have asked them to block this from my file

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I believe that XXXX XXXX XXXX XXXX ( XXXX ) is reporting a debt that ( 1 ) should be removed due to Case XXXX and ( 2 ) they are parking/re-aging the debt by not reporting the actual date of last payment. 

I sent XXXX a letter that requested that XXXX XXXX XXXX XXXX ( XXXX ) remove a Trade Line from my credit reports pursuant to the Federal Trade Commission vs. XXXX XXXX and XXXX XXXX XXXX Case XXXX. 

I included copies of the following pages for thier convenience : Page XXXX - Court Case ListingPage XXXX & XXXX - Specific Credit Card Programs included in this order listing " XXXX '' and XXXX, including its successors and assigns. 
Page XXXX - Specifically Paragraph XXXX which states that within 60 Days of the Order, ALL affected trade lines shall be removed from credit reports. 

I provided XXXX reference numbers, original account numbers, and personal identification information. 

The letter also informed XXXX that all XXXX Credit Reporting Agencies deleted the original XXXX issued by XXXX. If The Original Creditor ( XXXX ) could not validate, resulting in Trade Line removal, then certainly XXXX ca n't validate. 

XXXX responded to my letter XXXX/XXXX/15 and stated that they " deny that our records are inaccurate '' and stated " you did not provide sufficient information ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On are around XXXX/XXXX/XXXX I filed a dispute with Equifax Credit Agency ( ( Exhibit XXXX ) that were mail by certified mail ( Exhibit XXXX ). On or around XXXX XXXX, XXXX I send another letter certified to Equifax ( Exhibit XXXX ) informing them what the FCRA say about what suppose to happen if they did n't complete the dispute process in 30 days ( Exhibit XXXX ). As of this 21 day of XXXX XXXX I have not received any thing from Equifax. I will mail all supporting documents

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
XXXX has reported negative information to my files at XXXX, XXXX, and Equifax. The information involves a collection action by XXXX XXXX XXXX that involves a delinquent account owned by someone else and has nothing to do with me. XXXX and their collections agent has mistakenly associated the delinquent account with my credit identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
they are reporting a tax lien that was withdrawn and dismissed as an error in the courts. This was filed against me in error and they have it on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I had an Equifax credit reporting product. " Equifax Credit Watch Gold. '' I did not want to re-up for the year because they are terrible, but they charged my credit card after the year expired without telling me that I would be charged. In addition, the cost went from XXXX to XXXX, they did not tell me the price would increase. 
I spoke with a person named XXXX in XXXX and he told me that he would only give me a partial refund of {$110.00}. they are charging me for a month because I did not cancel before they charged my credit card the {$120.00}. which is better than nothing, but still fraudulent. XXXX said that they sent me an email that he price was going to increase, but I promise you that they did not. 
Equifax is a terrible product. They never send me any reports on ANYTHING EVER. All Equifax did was take my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27 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 HAD FRAUD ALERTS ON MY REPORT SINCE XX/XX/XXXX. IN XXXX XXXX SOMEONE OBTAINED XXXX IN MY NAME. I HAVE SINCE SENT IN A COPY OF MY POLICE REPORT, RENTAL LEASE, CURRENT CABLE BILL ( XXXX XXXX ) SO FAR XXXX AND THE CREDIT BUREAUS HAVE YET TO DELETE THIS FROM MY CREDIT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-30 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
XXXX took over our mortgage in 2013, upon doing so from XXXX XXXX they started telling us we owed monies, and we were not behind at that time we knew we were not. They threathened us with forclosuer on our home. We paid them x amount of dollars to make our loan current, XXXX had our mtg. for about 1 1/2 to 2 years. We were ordered to pay different amounts through out the term of them having our mtg, They put money that we sent them into a suspense payment account, as far as we know those monies were never put towards the payment of our loan not was the money refunded back to us. They said we had to put more money towards those payments to make a full mtg. payment. We sent them XXXX several different times and no matter how much we sent them they always said we owed them something. They would charge us late fees upon late fees, charge us for people coming to our home to make sure we lived at the property listed. I stay at home, I am here 24/7 never has anyone knocked on our door, nor has anyone walked the property to make sure we lived at the address XXXX took money from us that we could not afford to give them but we paid it to keep our home. One moth they would show us current the next month we owed serveral XXXX to tbhem because there was always somthin g they woukld come up with showing us we owed the money. We asked several times for documentation to show us what we owed but never received anything. Our lives nd our credit has been effected by XXXX and how they handled our loan. XXXX sold our loan to Seterus Inc. Seterus Inc.is a nightmare and they did us the same way. they started out telling us we owed money for back mtg payments, that our taxes had to be paid, they had to pay our insurance. We in turn did the same thing, we struggled to make our payments they say we oed but we did it. Seterus went into my personal account at one ti e and withdrew money without permission or our knowledge and overdrew our account. They said they would pay those fees the bank charged but to this date we have not received anything from them.. we are current with them at this point but now they are charging us late fees upon late fees and we are not going to pay them. we will pay our mtg payment but I will not pay fees they say we owe for being late. They threatened us with foreclosuer and as long as our mtg is paid they will not get anything else from us. I am XXXX years old and they have made my life a living XXXX. We owe XXXX and our home value is XXXX How can they be allowed to harass us on a monthly basis 's when we pay our monthly mtg payment. They need to be investigated and stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
A California state tax lien was filed in error against me in XX/XX/XXXX and recorded in XXXX County for a total amount of {$2500.00}. The Ca FTB claimed I never filed taxes for tax years XX/XX/XXXX and XX/XX/XXXX and began sending notices to an adress I DID NOT LIVE AT NOR EVER LIVED AT so I had no way of knowing about the proposed lien nor was i given a fair opportunity to respond to and clear up the proposed lien by simply refiling my tax returns for those two years. I only learned of the liens ( XXXX In XXXX XXXX County, Ca and XXXX in XXXX County, Ca ) after personally checking my credit reports from all XXXX bureaus after being denied credit XX/XX/XXXX. I began contacting all XXXX credit bureaus shortly thereafter and after sending indisputable proof the liens were filed in error XXXX removed both tax liens, XXXX XXXX removed both tax liens ( After a long, drawn out brutal struggle ) and Equifax removed the XXXX XXXX County filed lien. I owed very minimal amounts for XX/XX/XXXX and XX/XX/XXXX ( Approx {$130.00} total which i sent money orders for both amounts on time during those tax years ). After refiling tax years XX/XX/XXXX & XX/XX/XXXX the Ca XXXX waived all penalties and interest and i was left to pay a very small recalculation for tax year XXXX of {$35.00} because i calculated wrong during my addition/subtraction of tax owed. The {$2500.00} was tax i owed for both years but i had sufficient monies withheld to cover both. I have submitted to Equifax by fax 1. Original FTB Notice of intent to file state tax lien which clearly shows the WRONG ADDRESS so i NEVER received ANY NOTICES. 2. An original copy of my XX/XX/XXXX XXXX which also clearly displays my correct XX/XX/XXXX home mailing address. 3. Original copies of my XXXX & XXXX Ca state income tax returns showing amounts owed. 4. A copy of my FTB payment history which shows i paid a total of {$35.00} for tax year XX/XX/XXXX and shows i did NOT owe anything for tax year XX/XX/XXXX. I have disputed this information at least 5-6 times and Equifax refuses to inform me how they conducted their investigation and states it is in fact a correct filing whereas the Ca state FTB even stated they were in error but since it was already filed its part of public record. This lien filed in error has prevented me from obtaining credit and is the only black mark on an otherwise perfect credit report. After much researching I have found Equifax has engaged in unfair and illegal practices regarding investigations into correcting consumer information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credit Bureau of Bessemer, Inc
State: AL

Complaint narrative:
The debts incurred during a hospital stay have been granted financial assistance from the hospital however Credit Bureau of Bessemer, a local collection company in Alabama, refuses to close the account. I have called, email, and even disputed through the credit bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
We had decided to go to school to better myself for our family and fell into a terrible trap. My loans were originally through XXXX and then transferred to Navient. We have been trying to set up a payment plan in order to begin paying on our loans for a really long time now. Every time that we contact Navient they do not listen to what we have to say. We are constantly redirected away from paying for our loans. They tell us that there are forms in which we need to fill out to help serve us, yet nothing ever comes of it. We have been laughed at and told there is nothing they can do for us, unless we fill out more forms they seem to never receive??? We are just looking to pay an affordable payment, that does not take my entire income as we were promised when we began the endless school adventure. Please Help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: URS Holding, LLC
State: PA

Complaint narrative:
The collector may be violating the Fair Debt Collection Practices Act, or FDCPA. On XXXX/XXXX/2015 I received a call from my friend that United Recovery Systems XXXX called them on their cell phone [ WHCIH I HAVE NO IDEA HOW THEY GOT UNLESS THEY HACKED MY COMPUTER ] ( about XXXX XXXX est ). They disclosed information to that party that is in NO WAY associated or tied to the obligation. The number they called was from XXXX. If they did hack any personal data, they are criminally liable for theft. 

This collector has called my cell phone often ; my wife 's cell phone and my home line at least 2x per day. This has stepped way over the boundaries of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: URS Holding, LLC
State: MT

Complaint narrative:
XXXX XXXX XXXX sent a letter stating that the account had been referred for collection. There was no information sent to validate the debt, rather letter states that I have to dispute debt before they would provide validation. It immediately threatens a judgment instead of listing the process to verify the debt and move forward. 

I sent letter requesting that the debt be verified, that they were indeed engaged to collect the debt, etc. The only information that was sent to me were statements of the account. This provided absolutely no documentation that the firm was indeed authorized and engaged by the creditor to collect the debt. 

Additionally, during this time, their representative XXXX XXXX was literally " XXXX '' my phone every day multiple times per day.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PLANET HOME LENDING, LLC
State: IL

Complaint narrative:
I have been trying to refinance my house with planet home lending Free the last six months and they have been stringing me along and allowing me to think that this was going to happen then today they informed me that my loan had matured XXXX XXXX and that there was nothing more that they could do to help me they said because it was a 15 year loan if this happened in six months none of this would have occurred. I do not know what to do I am living with my wife my daughter and her boyfriend and XXXX children grandchildren and XXXX baby I do not want to lose my house I have been offering planet home lending money to continue to pay the mortgage while all this is being done. Then today I find out that the loan has matured and they have not even asked my XXXX mortgagee to subordinate they made no offers to them which they said they were going to do my XXXX lien company had stated to them that they were willing to subordinate what planet home lending made no offers I am just looking for some help hereI can make the mortgage payment today and continue to make them I just need them to assigned me another loan and keep me in my house please help me

Company response to consumer: Closed
Consumer complaint received 2016-09-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Millennium Credit Consultants Inc.
State: MN

Complaint narrative:
This company fails to respond to me on inaccurate items on my credit report. Listed as in collections. 
I am writing to have a debt removed from my credit report as I believe the Fair Debt Collection Practices Act, Section 809 ( b ) : Validating Debts has been violated. I have emailed, called and wrote numerous letters without response or verification of this debt. Please remove this debt as it is only listed on my XXXX credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: KY

Complaint narrative:
Name : XXXX XXXXBank : US BankLoan # : XXXX filed bankruptcy in XX/XX/XXXX. Part of that was a XXXX mortgage ( equity line ) on my home at XXXX XXXX XXXX XXXX, XXXX XXXX KY. I am now in a pre-foreclosure status with that home. I have been working with my Primary Lender, XXXX, and they had approved a short sale. We sent in a settlement request to US bank for the XXXX lien on XX/XX/XXXX with no return calls. We have called over XXXX times with no answers. Finally we got in touch with someone and they have told us the timeline and the buyer I have will no longer be able to purchase. I Need US Bank to escalate and settle my request once and for all QUICKLY in order for me to sell my house through the approved short sale process. THEY are our ONLY hold up! 
We have had a buyer under contract this entire time over XXXX MONTHS. However, due to the delays with US Bank, our contract and short sale fell through and expired. I am going to lose my home to foreclosure and my credit beyond repair due to US Banks delays.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01 00:00:00
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Tidalwave Finance Corporation
State: FL

Complaint narrative:
I received over five phone calls yesterday from Tidalwave Finance. I am 11 days late. I have given dates for payment which was accepted by one loan officer and then I get a call today. They called all my references and my hr department and are continuing to call me today.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15 00:00:00
Product: Credit card — 
Issue: Other — 
Company: U.S. BANCORP
State: MD

Complaint narrative:
I have a Fidelity Reward credit card. Recently they change the servicer from XXXX XXXX XXXX to US Bank. But they did such a bad job in conversion. I did not receive the notice but receive my new card ( a Visa card, used to be XXXX XXXX ). Then I update my account number with the new number and send the XX/XX/XXXX payment ( {$2100.00} ) through my online checking account. After 2 weeks, this payment was not posted into my account. Then I called them and was told the conversion. They did not receive my payment since I used the new card number but sent to the old address. I did not know the conversion happened in the first place. How would I know the new payment address? I called the original servicer, XXXX XXXX XXXX, new servicer, US Bank, and my online bank. Nobody is responsible for this mess. I lost my {$2100.00}!!!

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 2016-09-10 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: U.S. BANCORP
State: NJ

Complaint narrative:
US bank is marketing and selling its XXXX perks travel rewards credit card with a lot of benefits. However, I have this card for more than 33 days now and I absolutely have no access to their promotion site and the offers they are marketing. I have been lied and cheated muitlple times by the customer care. Sometimes, I have been told that the offers are not for everyone but when I insisted that the credit card benefit booklet I received mentions all these offers and there is no targeted offer clause. Then, I was transferred to different departments and this has been happening for more than a month. They tried to plead me with XXXX points and told me that I will have access to the benefits after my first billing cycle. However, I am still struggling to even find out what my card offers. The customer service says it 's a technical issue and technical team says they never heard of this site before. This site is mentioned on every page of the booklet sent to me by the bank. It 's XXXX

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