vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-18 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: URS Holding, LLC
State: NY

Complaint narrative:
On XXXX XXXX, 2016 at approximately XXXX United Recovery Systems called my place of business asking for my husband. This is completely inappropriate. This is clearly not my debt and even if it were they have no right to call my place of business. They asked to speak to my husband and when my secretary said " do you mean XXXX XXXX '' the agent responded of that must be his wife. We will call back. Please do not allow these criminals to call back my place of business for a debt they think my husband owes them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: URS Holding, LLC
State: TX

Complaint narrative:
I have received a number of calls from XXXX regarding the collection of debts against my estranged parents which I have tried to tell the collectors. I assume they think I 'm lying about not knowing the whereabouts of my parents so they have continued to call me. Last week they began calling my husband. I have asked them not to call again and/or told them I do n't have contact information for my parents but they continue to call us.

Company response to consumer: Closed
Consumer complaint received 2015-05-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT BUREAU OF NAPA COUNTY, INC.
State: PA

Complaint narrative:
I agreed to have my checking acct debited for {$50.00} which included a processing fee on XX/XX/2015.The representative told me to make that agreement so i can take advantage of a settlement offer of {$290.00} instead of the actual total of $ XXXX.i told the representative that i was on XXXX and did n't receive any income as of yet.The representative urged me to setup the agreement and that she will call me back by XXXX/XXXX/15 in order to make sure that i would still be able to agree to the arrangement and to payoff the balance.I never received a call so i called XXXX on XXXX/XXXX/15 to check the status. A different representative took my call and was n't very helpful, i was put on hold several times.i was calling to check the status and inquire about the missing phone call.i was told that the representative who assisted me XX/XX/XXXX was n't available. i felt that this representative did n't know what she was doing and i told her i needed to give them a call back because my phone is now dying due to being on hold by her.It is XXXX/XXXX/15 i just called XXXX in order to talk to the representative that i set up the agreement with and was told that she is no longer on my file and that she ca n't offer me the same agreement because i did n't call in, and that the {$50.00} i let them debit from my account will go towards the full total of $ XXXX.I told this rep that i was waiting for a call from XXXX and that i would not have made an agreement on {$490.00}. i asked her if she can make an agreement on the original {$290.00} minus {$50.00} that i already payed. she told me she could n't do that. i felt that was unfair and deceptive and i told her that i was n't going to make and agreement on a higher amount. i hung up with her.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PLANET HOME LENDING, LLC
State: CA

Complaint narrative:
We were behind in our mortgage payments. We submitted an application to " Keep Your Home California '' and we were approved. Our servicer submitted documents stating the amounts we were behind to XXXX they in turn wrote checks to cover the delinquencies, and bring our account current. My issue is with the servicer over charging XXXX. This also causes the lien on my house to be the wrong amount. I did a complete analysis of all of our late payments from the time this servicer took over our account, the difference is over {$10000.00}. There are also several other errors in our account that need to be corrected. I will be submitting XXXX letters all with documentation attached showing the servicers errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: URS Holding, LLC
State: CT

Complaint narrative:
Unified Recovery Services for XXXX XXXX on a credit card, stating I owe {$1000.00}. I do not. I was mailed a letter from XXXX Office manged by XXXX XXXX and I responded by USPS mail within 30 days of that letter yesterday on XXXX/XXXX/2016 and also by fax. I told them I disupte this debt and that I am contacting the FTC. I dispute this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
On XXXX/XXXX/2016, due to a XXXX banking error, my account was temporarily frozen, causing two ACH payments to Discover to be returned. I contacted Discover before my payments were returned and resubmitted those payments via ACH ; also letting Discover know about the incident. Discover recognized the error was through no fault of my own and issued credits for the returned payment fees. However, since that incident, my account has been blocked from further making ACH payments. We are now going on 2-months without resolution. I 've talked to literally dozens of managers and supervisors within numerous departments, including Customer Service & Web Support ; and although EVERYONE recognizes that this incident is not my fault, nobody has the ability to successfully restore my ACH payment ability. I 've even sent in, via email and US Mail, an Apology Letter from XXXX, acknowledging their error. Because those at Discover can not figure out the appropriate process to restore my ACH payment ability, they continue pushing me off instead of taking the necessary time to find the appropriate channel, department or person with the authority and/or ability to correct this problem. At this point, Discover has ceased responding to my inquiries and complaints via all channels.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Consumers Inc
State: VA

Complaint narrative:
I recently found out an unpaid {$450.00} from " United Consumers '' on my credit report. It turned out was an unpaid medical bill from a car accident of my niece. I have paid the bill right after I found it out the same day last week. And claimed the money from car insurance company. 

My question is this was billed since last year but I had never received any document/request from neither the hospital nor the collection company. Otherwise it was taken care of long time ago. So the debt was sitting there all these time and hurt my credit. I want the collection company to fix my credit ASAP because I am working on a finance my house right now. And I am having hardship to get my loan. 

Background : I had a car accident on XXXX/XXXX/2015 and my niece ( XXXX, XXXX, XXXX year-old ) was a passenger on my car. She got an XXXX at that time. I actually provided my address, phone number and SSN to the hospital at that time for her hospitalization. After the accident, I let my insurance company taking care everything related. 

When I called " United Consumers '', they have all my information correctly in there record. But I do n't understand, why they have never contact me for the collection by any means all these time, neither from the hospital.

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 2016-06-09 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Attempting to refinance a mortgage. Lender indicated there were some derogatory marks from old credit cards that, based on Equifax retention policies, must remain on file for at least 7 years. Derogatory marks were due to a business partner 's XXXX and medical issues. In the last 5 years, all debts have been paid/resolved and current debt service payments have been paid on time. Credit scoring does not give any weight to financial hardships brought on by involuntary circumstances. This places an undue burden on individuals. Someone in the credit reporting field needs to take a look at this and come up with a scoring model that takes into account these kinds of medical/financial hardships. I believe this is a failure of the credit scoring process that unnecessarily impacts many individuals in this country.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Focus Holding Company
State: PA

Complaint narrative:
I need the automated messages to stop calling me. It 's just a robot telling me to call them back whenever I answer the phone. 

I have no reason to take this seriously. Please remove me from your call-lists. 

I do not have an account with you. I do not owe you a debt. I am politely asking you to stop all calls immediently.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is in response to Equifax 's results on my reinvestigation on XXXX XXXX, 2015 regarding my dispute of XXXX XXXX XXXX account number XXXX. 
Equifax has not submitted any reinvestigation results to me or to XXXX XXXX XXXX regarsing this misinformed account. This account is reflecting numerous inaccuracies which I am disputing on my behalf. I am entitled to a legal and informed reinvestigation and but they have failed me and have not verified, proved or corrected anything regarding my initial dispute Please have Equifax formwrd me every signed documentation which was reviewed by XXXX, who informed me over the telephone, that their investigation was complete. 
Upon my phone call tI was refused any and all information that was verified to me and the payments information was held from me. I am disputing its accuracy and completeness and have nothing to go XXXX. XXXX XXXX XXXX has informed me that all information is non-verifiable and in archive and nothing can be verified beyond a name. 
If I have no signature, proof of payment, correct payment history how did Equifax get this verified? 
I believe there is fraud and lies on Equifax 's behalf and this seems like a blatant violation of the law. I will not accept these results and have nothing further to say.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21 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: Focus Holding Company
State: NY

Complaint narrative:
FOCUS RECEIVABLES MANAGEXXXX XXXX PK XXXX, XXXXXXXXThis company listed above has reported a false claim on my credit report with XXXX stating I owe them {$200.00} from an account opened in XXXX 2014. I have called XXXX XXXX XXXX XXXX inquiring about this debt and they do not have any information regarding it. 

I have tried contact this so called company, and can not get any representative on the phone. They have not sent me any letters either informing me of this so called debt I owe. This is impacting my credit score and report and need it removed ASAP! I need to speak with someone regarding this immediately. 

To my understanding I am not the first person this collection agency has falsely accused of owing money to.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-21 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Transfinancial Companies, Inc
State: LA

Complaint narrative:
IS SHOWING OPEN ACCOUNTS COLLECTIONS ON MY XXXX CREDIT REPORT. ALL DEBTS HAVE BEEN PAID

Company response to consumer: Closed
Consumer complaint received 2015-05-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
hi my name XXXX XXXX Ive tried countless of times to get this matter taken care of Equifax is reporting my car loan twice on my report and it has had a negative impact on my score I only have XXXX car loan that 's suppose to be reporting also XXXX financial do not report to Equifax so im wondering how do they get the information and still reporting it please investigate asap

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
On Thursday, XXXX XXXX, XXXX, I was offered by XXXX XXXX, on behalf of XXXX XXXX XXXX, the ability to pay off the remaining balance of the account with XXXX payments of {$710.00} on XXXX XXXX, XXXX and XXXX XXXX, XXXX. Once it was paid I began to dispute the remaining balance on my credit report, which showed as still owing over {$3000.00}. When I received my Paid in Full, Resolved letter from XXXX XXXX on XXXX XXXX, XXXX, I submitted that to Equifax and XXXX online ( XXXX I am required to mail in the information ). XXXX has changed the balance to {$0.00}, but Equifax refuses to acknowledge that the balance is now {$0.00} as agreed upon with XXXX XXXX XXXX and XXXX XXXX. This continues to negatively affect my credit score and my ability to receive any credit in the future, and it is wrong for them to continually report that I have a balance when, in fact, I do not, and it was paid off six months ago. 

Additionally, they are reporting XXXX credit card balance TWICE on my credit report, and even though I have disputed that as incorrect numerous times, they refuse to modify my credit report to show the remaining balance once.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax has n't updated my credit report and is reporting over XXXX unauthorized inquiries that is damaging my credit score. 
Also, Equifax is not reporting correctly my Monthly VA Mortgage of {$1700.00} payments since my VA Loan was modified on XXXX XXXX. 
I respectfully do n't want to display my Bankruptcy chapter XXXX to the public or potential creditors. I am on XXXX and Retired. 
I should be accommendated according to Department of Justice XXXX XXXX Act of Congress of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have contacted Equifax three times now disputing a collection account that was to be deleted by request of the collection agency. The latest dispute results states that it is " verified to be mine '' although I have attached the same letter from the collection agency each time stating it is to be deleted. it has been deleted with both XXXX and XXXX without having to investigate. It is completely disregarded each time and I want this deleted as soon as possible.

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 — Account status
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I recently file a dispute with Equifax , I provided a copy of the tax document showing that XXXX issued a XXXX for the debt. Equifax only deleted the historical data and did not update the account to show XXXX balance. This is the second time that I have had this problem with Equifax and XXXX. I have attached the tax document as well as a copy of the dispute results. I do n't understand why I continue to have this problem with Equifax , I send the same information to the other credit reporting bureaus and it 's updated with no problem. I would also like to know if there is any legal action I can take against Equifax for this matter. This is the second time I have had to use CFPB to get this corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am unable to view my credit report or score online through Equifax or through any other third party. Equifax has blocked access from me being able to monitor my credit report for identity theft or fraud. I have been a victim of Identity Theft and need to be able to monitor my score and report for any fraudulent activity. I have called and been transferred around and have dealt with nothing but rude people. I have been very courteous and polite when I call.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have some inquiries on my credit reports that I did not do. I also received a letter from the XXXX turning me down for a car loan.I called and they stated it was nothing they could do they got the info from a place called XXXX ( this is XXXX of the inquiries on my report ) I disputed this with equifax and they stated it was valid I dont understand how. Please help me I need assistance, i did not apply for a car loan I have a vehicle I just obtained in XXXX 2014. I also tried to put an alert on and for some reason I always get an error online or when i call it states i can not do it by phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Below is my email to the Equifax PR Director this morning that was returned as undeliverable : To : XXXX XXXX XXXX I feel Equifax 's online fraud alert system has issues. I generally request a fraud alert by phone by calling XXXX. Yesterday I called and the automated system stated the system for phone request for a fraud alert was not in service. It stated a fraud alert could be place online or by mailing Ecquifax. Later, after placing the fraud alert online ( without receiving immediate confirmation of receipt ) I located a telephone number on your website for phone request for a fraud alert. I called it and it is operational. The XXXX system should have provided that number for a fraud alert. 
I completed the online fraud alert request and on hitting " Submit '' my computer screen went totally white. I went back to the request page and your Terms of Service states " you are willing to receive email notification ... and if not received, provides the Equifax mailing address. There is no indication of how long one must wait to receive that notification. 
Here is the problem : your fraud alert request requires almost all personal information necessary for identity theft - name, SSAN, address, previous address, DOB, etc. Without immediate confirmation of receipt, the person requesting does not know where his or her personal information has been sent, who may have received it, or if hacking is possible. 
I called XXXX this morning and spoke with your representative XXXX. After explaining this she said my request would be " expedited. '' When asked how long " expedited '' might take, she said 8 - 10 business days - another unacceptable delay. 
I was so frustrated yesterday after the online submission that I filed a complaint with the FTC. This morning I 've received an email from the US Gov. agency over credit reporting agencies and unless I get immediate assistance from Ecquifax, will file a complaint as they direct. If for any reason I have no resolution to my problem soon, I will then follow up with the appropriate agency for the State of Georgia and, if also necessary, request assistance from my Congressional Representative who has been helpful with issues in the past. 
Please understand how disconcerting it is for consumers who feel their personal information may be at risk. Your assistance will be much appreciated. 
XXXX XXXX XXXX, XXXX XXXXXXXXXXXX XXXX XXXX resolution would be immediate notification of if my online fraud alert was received and by whom.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is taking too long to send disputed results.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Ok, so neither my XXXX nor XXXX XXXX ( XXXX ) card, both XXXX XXXX backed, were being updated on my Equifax credit report. These account would update every month on both XXXX and XXXX but around 6-8 months ago they both stopped updating on Equifax , the only way I could get them to update was dispute, which would take 30 days to get them to update then the information would be out of date again and I would have to start the process all over again. This should not be the case. I contacted both Equifax and both XXXX XXXX ( XXXX ) and XXXX ( XXXX ) and all of them passed the blame onto each other. XXXX and XXXX blamed and Equifax said they never received any information. So basically everyone was passing the buck and no one wanted to take any responsibility nor help resolve the issue. My last conversation with Equifax rep stated nothing they could due to get them to report accurate information other then disputing which I really did n't want to do as it does n't resolve the bigger issue but I said ok. Now 30 day 's later my 2 years of positive credit history with XXXX card has been removed from my Equifax report. This is unacceptable and I want this problem resolved permanently, and as I have had no luck with either of the companies, I am turning to you to hopefully get something done. This is a violation of my rights under FCRA as accurate information is not being furnished to my credit reports which has affected me in my credit approvals for the last 8 months. I want to buy a house next year and ca n't have these people screwing around with my credit reports. Please help me fix this. Also this dispute was not initiated by me, it was the Equifax rep who did it, so I have no idea how he coded the dispute, if it was coded anything other than verifying balance/credit limit etc then he did represent our conversation nor the issue I was calling to resolve. This has been an ongoing terrible experience.

Company response to consumer: Closed with explanation