vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-01 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: CORELOGIC INC
State: NV

Complaint narrative:
On line looking at a car. l did not authorize hard credit. l was not even interested in the car. Just looking and talking to dealer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
EquifaxXXXX is reporting an account that I do not own for collections. I have requested that this information is remove. I believe I need to go back to the Merchant and ask for a refund because after I called the collection agent ( XXXX ) they informed me that this account did not belong to me. The Collection Agency has a request for deletion of this account with XXXX credit companies. XXXX deleted XX/XX/XXXX & Equifax deleted XX/XX/XXXX. Please request an immediate deletion of this error immediately. This has cause my credit score to decline. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
EQUIFAX reporting information not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Seterus, Inc.
State: NJ

Complaint narrative:
Back in XXXX my second house was damaged by hurricane XXXX, I received a check for damages and repair the house at the time the mortgage company was XXXX, it is now Seterus. In XXXX XXXX was reviewing flood insurance claims and found that I was owed additional payment and was sent a check in XXXX XX/XX/XXXX.The check was sent XXXX Property Loss Department for signature. The check was return with out the signature and when I called them I was told I had to supply them with a list of damages, contactors that did the work and that they would have to inspect the house, I feel this does not have anything to do with this check.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-27 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX derogatory reports from the state of SC were expunged from my credit report without any problem. Afterward, Equifax decreased my credit score by XXXX points. I had no other changes in my report that would cause this to happen. My credit score should have increased rather than decreased. I tried to talk with someone from Equifax , but the conversation went in circles without being resolved. I also faxed over a letter requesting an answer to explain why an improvement in my credit history would cause my credit score to decrease. I feel that I will need to get a higher authority involved to solve this problem. I feel that I have been discriminated against and my rights are violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This is an Identity Theft reporting issue about CREDIT REPORTING AGENCIES ( CRA ). In particular, XXXX of XXXX Texas and their ID Theft supervisor, XXXX at ext. XXXX. 
I spoke with a XXXX credit Dispute Identity Theft supervisor named XXXX in early XXXX XXXX. My concern was as a victim of I D Theft, there should be a FCRA block under sec XXXX to allow victims the right to rebuild their credit. I had XXXX item in public records that was negative : and due for removal XXXX XXXX XXXX, and despite all efforts is still there. as is the other Judgement ( not mine ) in my name while and Identified by XXXX ereports as IDdentity theft, see attached and should be blocked under FCRA Sec. XXXX. 
XXXX supervisor XXXX stated I should pay a lawyer to remove filing by vacating it. That cost too much money & I was an Identity theft victim entitled to mandate XXXX to block negative inaccurate items from my CR under FCRA sec XXXX. XXXX supervisor XXXX advised me that the cheapest way to remove the one remaining NEGATIVE item on my CR was to contact the the XXXX warehouse and public records manager for XXXX and ask for it to be removed. XXXX promised me that if I convinced XXXX subcontractor, XXXX, to remove these judgments filing as a mistake due to I D theft or for any reason, XXXX would delete the filing under FCRA sec XXXX. So I did. and XXXX XXXX did indeed removeall refrences, see attched. I faxed the XXXX/XXXX/XXXX XXXX report letter from XXXX to XXXX twice during XXXX XXXX. XXXX is the consumer reporting arm of XXXX. XXXX reviewed my request and agreed to delete the Judgements from their data base and the personal report they did on me. I was very happy XXXX XXXX was helpful and aware of the damage that an Identity Theft issue could do to my personal credit report with all XXXX CRAs. As you know, XXXX is the GATEKEEPER of data for all public records reporting in XXXX for ALL XXXX CRAs! 
Incredibly, XXXX has also refused to remove XXXX public Judgement for XXXX $ ( meaning there is no monetary value to the judgment ) involving Identity theft from my XXXX and Equifax reports, So I checked with the XXXX about why CRAs violate the FCRA law. XXXX sued all XXXX CRAs in XXXX, forcing each of them to sign a Consent Agreement on XXXX/XXXX/XXXX that mandates them to give their workers the discretion to remove any Identity Theft related content or credit inquiries or credit files immediately. The CRAs agreed in the Consent Agreement with XXXX to delete these inaccurate items related to ID theft immediately or suffer additional fines and penalties. The CFPB must order XXXX, and Equifax to delete this Public Records based on identity theft content from my file. XXXX supervisor XXXX said Door to Door Sales Act would allow him to delete this public record :

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax deleted XXXX Accounts from my report : XXXX ( Unsecured Loan ) I NEVER disputed these items and would like to know why they were removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The security questions with each of the credit bureaus have indicated that accounts have been established in my name. There seems to be a vehicle loan, mortgage loan, and a jewelry account in my name after honestly answering " None of the Above '' for each of these. I 'm XXXX and have just joined the military and I have not been able to track my credit score for a while. Please, provide a remedy or help me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have paid this account in full and satisfied my obligations. I would like this Negative Account removed from my Credit Report. 

This is listed on my negative Accounts XXXX and I paid it in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
this is not mine # XXXX please remove from all XXXX reports

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I disputed XXXX public records/judgements on my credit report from Equifax on XXXX/XXXX/XX/XX/2015. They completed their investigation and updated these public records to " satisfied '' and told me if I had any further questions to contact XXXX XXXX Court. I have contacted XXXX XXXX Court and have NO such recorded judgements. The court also told me they do not report to Equifax. In my dispute I requested that Equifax please send me the method by which they verified these public records ; they never provided me with any such information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Filed Chapter XXXX XXXX/XXXX/2005, would like it removed from credit file. It 's been well over seven years, almost ten.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: WI

Complaint narrative:
I have had problem with my mortgage for quite a while. I applied for a modest needs help. I called seturus and asked them to fax a monthly mortgage statement to this people. I gave them the fax number. I assumed they did this. However they did not. I could have had help for one payment which really could have helped me. I had okayed a payment plan because I figured I was going to get the help. Now that they failed to follow through I have lost my chance. Now I will have to wait months again. Now I have written them to cancel my payment plan and check withdrawals. I know they will not follow my instructions so now I have to cancel my checking account. I just do not understand why they our so XXXX and can not follow directions. When is the government going to step on these injustices. Their correspondence address is located in XXXX XXXX Account XXXX is the number of account. I am totally ticked off.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Because of the constraints placed on me to retrieve and the report issues on my credit report - this method allows me to do so without 4 additional steps. 

1. Equifax has independently added verbiage to EVERY Revolving trade line on my account - inaccurately. Each trade line now has remarks = " Comments on Account : Charge, Amount in XXXX column is credit limit '' There Comments were NOT provided by the credit grantor, in any instance, and render the account inaccurate. 

2. According Equifax 's own Website, " High Credit '' is = " Entry on a trade line of a credit file to indicate the highest amount charged by the consumer over the time period reviewed. '' The Actual website address for equifax 's glossary is XXXX 3. The amounts in Equifax 's views/credit reports =- populating the HIGH CREDIT field - are inaccurate and NOT what each Credit Grantor has provided to Equifax as part of their monthly reporting. From the credit report - the " High Credit '' dollar amount displayed on all NON installment Trade Lines - is inaccurate. It must be stated that all accounts have provided a Credit Limit, as required by XXXX XXXX XXXX. Examples are attached. 

Equifax , please delete the comments you ( Equifax ) added on ALL of the revolving Trade Lines. Please also ensure that the HIGH CREDIT amounts displayed, are actually populated accurately and as intended. ( Entry on a trade line of a credit file to indicate the highest amount charged by the consumer over the time period reviewed )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
For the past several months, I have been disputing several inaccuracies that are Listed in my credit report I have written XXXX letters to the credit bureaus in which I requested these inaccuracies be removed. 
Unfortunately, the credit bureaus have refused to comply with my requests. The inaccuracies are as : -capitol XXXX account ending XXXX ( they are saying late on XX/XX/XXXX and XX/XX/XXXX which was for another account which were open on XX/XX/XXXX ( never receive a statement for that account until I contact them ), the account ending XXXX was receive less than 1 year ago??? 
-XXXX : I was never late ( send a letter to XXXX for my statement and all details and they never reply?? )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Equifax has reinserted accounts from XXXX XXXX back into my credit report at least three times now.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I have never lived at XXXX XXXX XXXX, XXXX, MS XXXX. I have never lived in XXXX, XXXX XXXX, XXXX at all. There is a spelling of my name that is totallyincorrect XXXX XXXX, is not me. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc.
State: RI

Complaint narrative:
My husband and I originated a mortgage with XXXX in XXXX 2016 that was subsequently sold to Dovenmuehle Mortage Company. The original loan was a no escrow loan. Dovenmuehle has been issuing statements that add an escrow of additional flood insurance ( We have already purchased a one year policy with XXXX ) as well an escrow of taxes. I understand that Federal regulations have changed and I may be required to escrow the flood insurance, but we do not believe they have the right to collect my taxes on our behalf if we have opted to pay them them directly on our own ( see Closing Document ). The mortgage documents we signed were for a non-escrow loan. I have made several attempts to contact them and have reached several people including supervisors, who say they must pass the information on to a manager in the escrow department and they will call me back. I have never received a call back and am now receiving collection letters. We have been making regular payments for the original amounts due on the loan. We have not been paying the amount they say is due for the escrow, since we have already paid the taxes and purchased the insurance on our own. We would like the amount on the statements to show what we are actually legally required to remit to them and to stop receiving notices saying that we are in debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: DISCOVER BANK
State: NY

Complaint narrative:
There is a huge difference between my balance displayed online. My XXXX spend shows a balance of {$15000.00}, while the online balance with no transaction description of charges sums up to {$35000.00}. This is a huge discrepancy of {$20000.00}. Which may be possibly explained by the following : Discover Card issued back credits that were rightfully mine in the amount of {$21000.00}, off a sudden out of no where, they recharged me back. These are the following items I have documentation that states the cases were settled in my favor : XXXX XXXX # XXXX {$1600.00} XXXX XXXX XXXX {$2200.00} XXXX {$2200.00} XXXX XXXX # XXXX {$1900.00} XXXX {$2700.00} XXXX XXXX {$350.00} XXXX {$150.00} XXXX {$3800.00} XXXX {$600.00} XXXX XXXX {$130.00} XXXX XXXX {$400.00} XXXX XXXX XXXX {$830.00} XXXX XXXX {$460.00} XXXX XXXX {$60.00} XXXX {$720.00} XXXX XXXX {$130.00} XXXX XXXX {$240.00} XXXX XXXX {$190.00} XXXX XXXX {$500.00} XXXX XXXX {$400.00} XXXX XXXX {$370.00} XXXX XXXX {$340.00} XXXX XXXX {$230.00} XXXX XXXX {$460.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-01 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK
State: FL

Complaint narrative:
I had cancelled my Discover card on XXXX XXXX, 2016 and not only was the account closed, but a refund was issued. However, every month since then I 've received bills for a {$54.00} charge. I wrote back on XX/XX/2016 and asked to have an accounting of what the charge represents. A reply on XX/XX/2016 again stated that my account was closed and nothing owed. 
But, the invoices keep coming and now no one at Discover will help - the amount is small but I 'm XXXX years old and do n't need an unblemished credit record stained,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent a dispute on XXXX XXXX. On XXXX XXXX ( 36 days later ) I received an investigation letter showing the info disputed was updated. The information was still inaccurate. On XXXX XXXX I sent a letter telling them it was inaccurate and for them to please remove the disputed accounts for non-compliance. 

I have detailed records of all my letters along with certified postage and return receipts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc.
State: TX

Complaint narrative:
I purchased my home on XXXX XXXX, 2014 and signed a HUD for a FHA mortgage. I paid an upfront premium and I have paid monthly premiums since my XXXX payment. In XXXX, I discovered that FHA had not insured my loan. I contacted my loan servicer, Dovenmuehle Mortgage, and I was told that I would not receive a refund because HUD was holding my payments. I received a follow-up call from HUD in XXXX and was told that my premium had been refunded back to my servicer, Dovenmuehle. I have contacted Dovenmuehle multiple times regarding the status of my premium refund and information on monthly payment updates and was promised a call back and no one has called. I also called XXXX HUD departments and no one can find a case number or information on my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: DISCOVER BANK
State: NV

Complaint narrative:
Hi, I have a case number with CFPB ( Case number : XXXX ). I would like CFPB to continue pursuing this case on my behalf to get a successful resolution from Discover. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: DISCOVER BANK
State: IL

Complaint narrative:
I signed up for a Discover card AND bought an iPhone to participate in their XXXX % cashback promotion for in-store XXXX XXXX purchases with the Discover card. After signing up for the card and purchasing the iPhone, Discover changed the terms of the promotion to exclude gift card purchases ( which I was planning to purchase a bunch of, given the holiday season ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: DISCOVER BANK
State: MI

Complaint narrative:
Loss of income and unable to pay, when APR charged raised to the maximum by Discover Bank. XXXX XXXX XXXX, the debt Collector Attorneys for Discover Bank, refused to allow payment agreement, unless additional fees are paid to them. In addition Discover Card refuse to work with client accounts turned over to their collections Attorneys, who continue to add interest to the outstanding amount originally owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
Complaint number:XXXX, addition to complaint when talking to the discover card representative I asked her what was discover cards late fees and she could not tell me. She had to stop and try to calculate the amount they charged me on my account. This is very disturbing because on all my other bills including other credit card bills the late fees are the same every month. They do n't change based on who you are, or how much you make. If this is the case discover card can do what their doing now and charge me what ever they want that month. The XXXX to XXXX unwanted phone calls a day are also annoying, even after paying my bill for that month they still aggressively call my house and parents house trying to get me to pay them more money for that month and nothing going to the {$7500.00} balance that I have with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-04 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: DISCOVER BANK
State: GA

Complaint narrative:
I am currently a year and a half into rebuilding my credit. I have worked hard to resolve all outstanding issues and to gain and use new credit responsibly. My current scores range from XXXX, FICO, to almost XXXX dependent on the bureau pulled. My credit profile, while new and I work quickly to restore my credit, has multiple trade lines, all in good standing with very low utilization and perfect payment history, totaling almost XXXX in revolving credit. I started with secured and low credit line store cards, and have worked my way up to my first top tier rewards card I recently was approved for, a XXXX rewards world XXXX with a XXXX limit. My goal now is to phase out many of the rebuilding cards, secured, and store cards and move forward with sustainable products which make sense moving forward in my life. Discover it was one of the few cards on my goal list to have as a permanent credit product. I applied and was denied for an unsecured card, yet approved for a card with a co-signer. I am not in a place in my life where I need to or feel comfortable asking someone to co-sign on a credit card. I respectfully asked if Discover had a secure product, one in which I give my money as collateral for an equal line of credit to establish history, get my foot in the door, and help me build towards an unsecured discover product. I was told I did not qualify. How is it possible I can qualify for a top tier XXXX card with a XXXX limit, XXXX k in total unsecured credit, installment credit, a new car loan for XXXX @ 8 % ... ... .yet not qualify for a secured discover card with my money securing the line of credit??? I have respectfully asked for this to be reconsidered as I have already taken the credit inquiry but discover will not budge. I fell 1 ) that this policy and decision makes zero rational sense and 2 ) discover has failed to provide any reason which lends credibility to this decision. Thank you.

Company response to consumer: Closed with explanation