vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-19 00:00:00
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK
State: IL

Complaint narrative:
This happens REPEATEDLY. Discover shows a current balance online that does n't reconcile with the information for the account. Amounts that were in the " pending charges '' section disappear and get added to the current balance WITHOUT placing them into the " posted activity '' section. Therefore, when I log into check my activity, it does NOT reconcile. I have to call customer service, and they read from THEIR screen, the charges that they have made disappear from my screen when I am logged into my account. I do remember the accounts, but this is not how to do business. If they know the amounts so that they place them into the current balance, then they should be able to add them to the posted transactions section so consumers can see it on their accounts. Not to do so amounts to fraud, as far as I am concerned. As I said, this happens FREQUENTLY with Discover. It is wrong, deceptive and misleading. They need to add charges to posted activity if they are going to list them as current balances. Please investigate this and let me know why they are doing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: DISCOVER BANK
State: CO

Complaint narrative:
I applied for a discover card to transfer XXXX balances from other cards. I was denied the card. At that time I was asked if I wanted a different card with a smaller credit limit. I agreed to a limit of {$2200.00}. I did not want to transfer any balances to that card and was not asked if I wanted to do that. However shortly after I recieved my card I was notified that they decided to do a transfer of a partial balance from my XXXX card ( which has a lower interest rate ) to the card they issued and added fees that maxed out the discover, ( all but {$47.00} ). I contacted them several times and told them I did not appreciate their bait and switch practices but I would pay off the balance at the higher interest rate then my XXXX card but they would have to cancel their predatory fees. They refused and now I am appealing to you for fairness. XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-10 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: DISCOVER BANK
State: CT

Complaint narrative:
University XXXX , CTXX/XX/XXXX Discover Student Loans verbally harassed and disrespected me. They called me at inappropriate times, they hung up the phone on me, they stole money from me, they gave me the run around, they reported my loan to collections. XX/XX/XXXX they overcharged me on student loan payments. The charged me late fees when I was n't even making any real money. I signed up for an Income based repayment plan and they took out more money than was authorized out of my account. They did this multiple times. I had to wait a week just to call Discover Student Loans to find out they did n't even start the refund process even though they said they would. I ended up waiting an additional 2 weeks for XXXX refund. They stole more money out of my account a second time and I had to wait another 2 weeks for a XXXX refund. They never gave me a fair chance at paying off my student loan. I have complained numerous times XX/XX/XXXX and here we are XX/XX/XXXX with no help. The loan accumulated interest and got sent to a collection agency/lawyer. Discover Student Loans treated me like I was n't even a human being. I have never felt so disrespected in my life. I think I got harassed because I do n't have a white sounding last name, or because Discover Student Loans has a history of illegal practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax will not get XXXX60 more days, they have till the end of the business day Monday to block the information that was submitted in my affidavit due to the fact that my affidavit was not rejected and the FTC states that if they did not reject it then they have 4 days to block the information. Equifax has 3 months so far to investigate and it is obvious that they have not followed the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I properly disputed invalid data at least four times and Equifax continues to reinsert this invalid data after deleting without notice. 

After this, I disputed directly with Equifax the FCRA 611 ( a ) ( 5 ) ( B ) reinsertion with no notification violation and the FCRA 611 ( a ) ( 5 ) ( C ) their inability to maintain reasonable procedures designed to prevent the reappearance violation. Equifax responded ( XXXX ) the address was not reporting. 

I 've subsequently disputed this invalid data 6 times. Equifax continues to reinsert it with willful intent despite my attempts to have it excluded. It continues to appear in my consumer file.

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

Complaint narrative:
I never lived at XXXX XXXX XXXX XXXX XXXX , XXXX. XXXX.I also never at XXXX XXXX XXXX XXXX , XXXX. I went through bankruptcy because my neighbor XXXX XXXX stole XXXX of my credit cards wend I was in the hospital. he lived at XXXX XXXX XXXX XXXX XXXX , XXXX XXXX. He threaten me and forced me to file for bankruptcy. He filed for the bankruptcy and pay for it. Now its destroying my credit. Before that I had unbelievable fantastic credit.XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In XX/XX/XXXX I had a Deed in Lieu when my husband became a XXXX veteran ( as of now we are both XXXX veterans ). Equifax was not correctly reporting the information, they were showing missed payments past when the DIL was accepted. In XX/XX/XXXX I submitted a dispute because they were still reporting incorrectly. The date of last activity changed to XX/XX/XXXX when I pointed out their error. In XX/XX/XXXX XXXX XXXX sent them a notice showing the account was closed in XX/XX/XXXX. Thus, my last activity was changed to XX/XX/XXXX. Now my deed in lieu, which has had zero actual account activity since XX/XX/XXXX has an active date of XX/XX/XXXX, therefore, I can not acquire a mortgage loan ( Banks use a computer underwriter that picks up the last activity date ). Equifax is still punishing me from something that happened in XX/XX/XXXX, and stating it will be on my credit for 7 more years, even though I have not done anything with the account other than show them their own errors. The DIL and loan number are shown correctly on my husband 's Equifax report. How am I to ever be able to correct my credit if I am to be forever punished for something from XX/XX/XXXX? How are consumers to correct an error by a credit reporting agency if it then makes the account active again? This type of reaging is an unfair practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
XXXX is not up to date, card have a credit balance not {$8700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have been writing letters to Equifax for over a year citing the blatant violations of my rights under the Fair Credit Reporting Act. They are reporting a bankruptcy that has an inaccurate docket number and filing date and is outside the statute of limitations. The other XXXX bureaus XXXX and XXXX have removed the bankruptcy because they could not properly validate it so I do n't know why Equifax is still reporting something that is obviously wrong. I have been refused action and dismissed as a frivolous consumer and this makes me angry. The bankruptcy was never filed and is dismissed, I do n't feel it should be reporting at all because I never went through with the bankruptcy. Equifax is ignoring the proof that i have that they have violated my rights and I am at my wits end because from my standpoint I have done everything I have needed to do and they are abusing their power.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There are XXXX inquires on my Equifax report that are not mine. I never authorized these inquires and I have called time and time again and also went on like to have them removed from my report. I want my credit report to be as accurate as possible. 

Attached is a list in alphabetical order of all inquires that were not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been dealing with Equifax for over 2 months about 4 accounts that is on my credit report. XXXX has agreed to delete the account off of my credit report. I have sent 2 letters from XXXX and they still have not deleted the accounts off of my credit report. The only thing they have done is restart the investigation, If I have proper documentation from the company agreeing to delete the account then that is what Equifax is suppose to do. They have restarted the investigation under the terms of validating the account, which they are n't suppose to do because I was n't asking for a validation, it strictly for the agreement that XXXX and myself came to, which is to DELETE off of my credit report. They have BOTH letters on file and they still refuse to delete off my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
There is an address on my Equifax credit report that is not mine and I have never lived in New York in my life. I want this information removed ASAP because it 's not mine and should n't be there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello, I have been disputing the items which I would like to have removed from my Equifax credit report. I filed a complaint before and their response was that my work looked as if a credit repair company wrote the information. The information is written in black and white on my credit report. All I did was copy it and paste it on to the website. This type of shortness dismissal of hard working individuals is ludicrous and is not serving the public correctly. I did not use any form or verbiage from any agency.. This is just me. Writing and gathering information so that the credit bureaus could dismiss me and put me in a category without giving me a chance to explain myself. The CFPB is supposed to protect us, the citizens, from the credit bureaus who report inaccurate information.

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 should not have been a hard inquiry. 
I was told by the XXXX XXXX representative that it would n't be a Hard Inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Equifax is reporting a XXXX account ( beginning with XXXX ) with negative information for which I was only an authorized user. This account was my wife 's account and I had no payment responsibilities at all. I have disputed the account with Equifax XXXX and also directly with XXXX. XXXX have correctly removed this account from my credit report, but Equifax has failed to do so in spite of my attempts to correct the erroneous reporting. This negative reporting is affecting my ability to obtain necessary financing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I 'm just trying to get XXXX to take the XXXX bill out of collections. It was paid - XXXX took it off, but it 's still showing through XXXX. 

Thanks - XXXX XXXX

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

Complaint narrative:
Judgment satisfied Equifax only C R B not removing from derogatory remarks so why pay judgment if not going to remove bad marks against you should n't of paid I see lots of people same problem with EQUIFAX this should be stopped! Paid, should not stay on report for seven years! how are people having hard time but still repaying suppose to get back on there feet Defeats the whole purpose!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
My XXXX account was cancelled and replaced with XXXX. We were not on any contract and cancelled before any payment was due to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
I qualified for proptery tax postponemt, but the servicer said that they were not particpating in the program, even though it was a state bill passed by the CA assmbly ... I have already had my first installment covered, but now am up in the air??

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
I contacted Equifax on fraud, they " investigated '' and came back to say they are legitimate. Even though I uploaded the attached that clearly states they are fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This is my 4th time writing Equifax to block these accounts on my credit report. I did not open these accounts, apply for them, obtain them, maintain them or make any payments whatsoever and they have failed to # 1 prove they belong to me # 2 provide any documentation whatsoever # 3 provide a document with my signature on it that proves that I ever agreed to pay it # 4 block this information and # 5 do any sort of investigation into the matter. 

I do n't care that these accounts are positive - they do NOT belong to me and someone obtained my information and opened these accounts! These must be blocked from my credit report! Congress states that the credit bureaus must go beyond the original source of information once I notify them that their investigation results are incorrect and the burden lies on THEM and NOT me! 

These accounts do NOT belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries were NOT made by me : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
I am on a pre loan modification plan requiring me to make payments by the beginning of each month beginning XX/XX/XXXX. I made the payments beginning XX/XX/XXXX on time but the mortgage servicing company says I am a month late and they turned down my request for a loan modification. I sent them documentation of the payments cashed by them before the due dates. They have done nothing to correct the problem, reverse late fees, and restore my loan modification request.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX made a hard inquiry on my credit report without my knowledge and authorization. I was told that it would be removed several times. To-date it has not. The company also owes me XXXX for a frivolous deposit of XXXX was assessed to me after service was activated. I was told several time I would receive a check as a courtest credit of XXXX, from XXXX XXXX agent XXXX pursuant to out telephone conversation on XXXX/XXXX/15. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2017 I sent a letter to EQUIFAX in regards to an unverified account with XXXX being reported on my credit report. In the letter I stated for the unverified account to be removed as it is negatively affecting me. I did not receive a response and Equifax continues to report this account. On XX/XX/2017, I submitted a complaint to national credit systems for the same unverified account and they responded stating that they would send validation of this debt. It is now XX/XX/2017 and I have not received any documentation validating this debt. Again, I am requesting that this account be removed from my credit report as it is affecting me. I have attached proof of the response I received from XXXX as well as the letter I sent to Equifax requesting the unverified account to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11 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 am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have disputed the status of this creditors account '' XXXX XXXX Credit Card ' ( XXXX XXXX ) 'numerous times with equifax and finally received my credit report correct as of XX/XX/XXXX. I have XXXX active XXXX credit card in XX/XX/XXXX, the XXXX from XX/XX/XXXX was discharged. My credit report was showing correct as of XXXX/XXXX/XXXX, showing this account to be in a closed status, and not a revolving. Since XXXX/XXXX/XXXX this account now shows differently and has been placed as a revolving account but XXXX ' out as a line of credit which causing issues with my credit score as of XXXX/XXXX/XXXX & XXXX/XXXX/XXXX it was put back on my credit incorrectly. Equifax placed this creditor under open accounts which actively affecting my credit. This account was discharged in a CHXXXXBK as of XXXX/XXXX/XXXX but the account remains as a XXXX balance but in the incorrect spot on my credit report. I was advised on XXXX/XXXX/XXXX by a manager that this matter along with other creditors would be taken care of and it has not changed and caused my creditscore to tank XXXX points or more due to several inaccuracies. Please see previous report that was correct at the time on XX/XX/XXXX VS XXXX/XXXX/XXXX & XXXX/XXXX/XXXX, as well as phone conversation between myself an equifax management, discharge order, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I submitted a letter from a previous landlord to all three credit bureas for removal. XXXX and XXXX removed the judgement from my credit report. Equifax refuses to remove it with the same documentation that was submitted. The judgement is five years old. I spoke with XXXX XXXX XXXX sessions court on XXXX/XXXX/2016 to see if they provide a letter that states something is VACATED and they stated that this was the only letter that they provide to anyone, which states please satisfy on credit report. Equifax wants a letter that is stating the word VACATED, XXXX XXXX court says the letter they give to anyone will never say VACATED and they do n't know why they are trying to keep it. Yes I understand the credit bureaus rules and regulations. But, what I do n't understand is why XXXX and XXXX removed it completely from my credit report with the same letter and Equifax WILL NOT. I have went through all the proper procedures to have this removed from Equifax and again no problems with XXXX or XXXX. Attached is the official document from the XXXX XXXX XXXX XXXX Court. I would just like for Equifax to comply as XXXX and XXXX did. If all XXXX credit bureaus are under the same fair credit reporting act rules why would XXXX and XXXX remove it with no problems and Equifax try and hold on to it. This is five years old. Please help resolve this matter. You may verify this letter with the XXXX XXXX XXXX all information is valid. Thanks in advance and Have a Great Day. 

XXXX

Company response to consumer: Closed with explanation