vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-24 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Zenith Financial Network Inc
State: CT

Complaint narrative:
In XXXX 2014 I received a call from ZFN about a very old {$910.00} debt from XXXX 's Jewelers. The agent on the line said they were going to sue me for what I owed. I had just given birth to my son that same month and explained to him that I was on maternity leave and it would be hard for me to start a payment arrangement at that time but I would do so in the future. He told me I could settle or pay some outrageous amount. I said I needed to speak to my husband. XXXX minutes later the same agent called me back and said he talked to his client and he could do XXXX $ down and XXXX $ in XXXX payments. I explained it would be incredibly hard but he was saying I was going to have to pay legal fees if I was sued and that was their next step. So I agreed. I paid the {$150.00} in XXXX. When XXXX came I could not make a {$260.00} payment so I called ZFN. I explained that they pushed me into this agreement and I knew at the time I could not do it but I wanted to pay the debt and I could afford $ XXXX. They told me I was on a hardship agreement which I do n't understand because I was actually paying the EXACT amount I owed plus fees and if I had to change my payments it would have to pay a XXXX $ fee. Like I said I wanted it off my credit so I agreed. XXXX XXXX my husband had XXXX surgery and I was the only XXXX working so I called ZFN to explain that XXXX and XXXX might be hard for me to pay but I would pick right back up after. The rep said he could cancel XXXX to make sure my " debt '' did n't change offices. I said OK but if I ca n't do XXXX to can I call back and cancel that one he said " YES ''. So it is now XXXX I am barely paying current bills since my husband just went back to work and I called to let them know. The rep was rude and basically said to bad I cant help you. I do n't know who you talked to my job is to collect a debt. I explained I had kept up with my payments since XXXX and I really wanted to continue paying it. He basically blew me off and said " yeah and next month it will be something else. '' Then said " I 'll cancel them and you can deal with whatever comes. '' I only owe {$250.00} now I really want to pay it off and the agency basically lied and basically led me to believe they would do something drastic. I have also been paying the agency a XXXX $ processing fee every month for the money they want.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
Seterus reported my payment was late XX/XX/2016. I can provide copies of my customer account activity report generated by Seterus showing a payment was received on XX/XX/2016 in the amount of {$1300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I have recently settled a debt in collection. I am trying to dispute the collection as already settled. I have tried submitted a dispute online but the verification information I gave was incorrect. Now, Equifax says I need to fax in my dispute. There is no fax machine available to me and this negative collection item is damaging my credit. I would like to dispute the item as settled but I can not move forward with the dispute process.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have account on my Equifax credit report that I am not responsible for. I have contacted the bureaus along with creditor and have had no help with resolving the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Seterus, Inc.
State: IL

Complaint narrative:
Seterus has been notoriously slow in processing my client 's loan modification. My client was approved for a HAMP trial modification back in XXXX XXXX to begin XXXX/XXXX/XXXX and end XXXX/XXXX/XXXX. He completed the trial successfully. It then took 5 months for the borrower to receive permanent modification documents. We signed and returned them in the beginning of XXXX XXXX. Ever since, I have been trying to ensure the modification is processed and finalized before closing the file of this case. I make weekly calls to Seterus and each time I call the call is at least an hour in duration, most of that being time on hold. Needless to say that we still have not reached a resolution. In my latest phone call today I was told that during the drawing up of the modification documents there was an error with the title portion, that is potentially going to force Seterus to redo the mod documents and my client will need to sign and return the documents again. My first problem with this is that if it took them 5 months to draw up the documents manually in the first place, then how could there be an error and why is it taking MONTHS to correct this issue? Every time I call Seterus about this client, I always speak to someone different and no one ever gives me any answers. I find this very discouraging to my client. He is elderly and thought he was finally at the end of this process. only for the delay to continue for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have submitted several disputes including Ftc.gov Fraud Affidavit to Equifax. I recently sent them a Fraud Affidavit along with a police report with regards to the XXXX XXXX XXXX - Acct # XXXX. I received a response from Equifax stating that they verified account and the item belongs to me. This account do not belong to me. Please help me to get this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX, XXXXRef, # XXXX ( not sure if everyone uses this ref # ) Hi, My name is XXXX, I have a charge off on my credit report with equifax that is Not mine. XXXX XXXX XXXX recently put a charge off from a credit card on my credit history that is Not mine. XXXX XXXX XXXX agreed, that I have no responsibility for this card, never signed for this card, never gave permission for my credit to be associated with this card and that the charge off would be removed from my report immediately! It has n't happen. I cant thank you enough for helping! The charge off and non payment according to XXXX XXXX XXXX started in XX/XX/XXXX and was never associated with my credit, XXXX XXXX XXXX apologized for the inconvenience and would push for immediate removal ... its been 60 days. According to the cards history it was opened and in default in XX/XX/XXXX, I never signed for this, never gave permission for my credit to be used to obtain this card, never associated my credit with this card and all the sudden the charge off appeared on my credit report in XXXX, XXXX this negative credit report has cost me greatly! I had permission to sign on this card, ( for a short time, but never responsible for payment, never gave permission for my credit score to be associated with this, this was fraudulent to have me on this card. XXXX XXXX XXXX agreed, I am not responsible and this should not be on my credit history. What can I do? 

XXXX XXXX XXXX gave me a credit card in XX/XX/XXXX ( bc I had great credit, no charge off on my credit report ... ..but then all the sudden they decide to attach this?? ) Why would they give me a credit card if I had a credit card in my name with a XXXX balance ... bc it was not mine! ) Also, I have disputed another charge from XXXX XXXX XXXX, where I closed a credit card ( went into the Bank ... banker remembers, closed ( so I thought, paid completely off, waited one month to make sure everything was cleared ) Closed then moved. A automatic draft started back up with a company we had used in the past and the put it on a card they had on file ( XXXX XXXX XXXX card ) The card actually didnt close, we never received bill ) Until oneday I received a phone call that XXXX XXXX XXXX received a return to sender, Bill they had been sending out to me for payment. I immediately paid, they sent me a letter, but its still showing on my account as negative. Thank you for helping me with solving these matters, I have spent countless hours working on solving these issues! I have hope and really cant thank you enough, it was freeing just writing this note! 

I am getting Help!!! Thank you so very Must!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
I purchase my homeowner 's insurance since XX/XX/XXXX. 
I received a notice of escrow account statement on or about XXXX XXXX, XXXX although it was dated XXXX XXXX, XXXX. 
In the statement it shows that I will be charged {$5700.00} for HAZARD INS. 
I have my own hazard insurance with XXXX XXXX XXXX XXXX of Florida. 
The cost of my homeowner insurance is {$980.00} and it is paid for until next year XXXX/XXXX/XXXX. 
I tried to call Seterus since the notice. I have called XXXX many times. 
I was not able to speak with a live person. I left messages to call back. There was no call back. 
This forced placed insurance will be a double insurance on my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint because XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I see this company called XXXX pulled a hard credit inquiry I only have an XXXX and XXXX credit card. It should n't be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifix will not send me to the right dept to get my report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have been disputing multiple fraudulent accounts on my credit reports with XXXX, Equifax and XXXX to no avail. I have sent in verifiable proof multiple including identity theft affidavit and police reports, yet the credit report agencies have not deleted this information in over a year of multiple dispute attempts over the past two years. 

They continue to state that these accounts have been verified by the creditor but when I ask for proof of verification, they never send the proof to me to validate their results. These are all fraudulent accounts! I am in process of filing a lawsuit against these reporting agencies if they do not delete these accounts. I have been harmed by their misrepresentation and my credit has been destroyed

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
i check my credit report and it has a liens but the liens are not mine its from someone else i already fix the problem with the other bureau ( experian, equifax ) and they investigation shows that it not belong to me. they take it off of my report. 
so i dont know why transunion keep this liens in his report. 

this is a case of identity theft and i already shows all the documents to prove it to the others bureus sending the police reports, trade comissions report affodavid and a lot of documents they ask. 
so i need to take this off of my report becuse its not mine, and is damage my credit score and job opportunities. 
i already fix the problem with the irs and i have the documents to prove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I see 8 hard pulls on my credit account there 's a mistake I only authorized soft pulls to check that an error was corrected on my account please remove all theese hard pulls theese were for my personal record

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
The XXXX XXXX XXXX account XXXX has been paid in full and it is still being reported as not being paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-07 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Equifax stated that they could not provide me with an online credit report because of their system having problems. The other XXXX credit reporting agencies ( XXXX and XXXX ) had no problem providing me with their versions of my credit report history. I would think that a company as large as Equifax could keep their computer reporting system available at all times instead of just putting me off and saying that they just ca n't provide that information during my official request. I need this information NOW so that I may clear up any inconsistencies and correct any errors. I would like to file a formal complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I challanged the amount past due, all other credit reporting agencies have removed it and or show XXXX balance. I used the information provided by Equifax stating the validity, but after contacting the creditor with the information provided by Equifax, the creditor holds no records of this account. So I have disputed again and once again they can not provide any proof or evidence that I can take to the creditor. What can I do? can they make up information like that? Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
The name XXXX XXXX is not me and should be removed from my report please and thank you.

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 — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I disputed a collection account and received a letter dated XXXX/XXXX/2016 stating that the record would be deleted from all credit files. I just noticed that after deletion the trade line has been added back to my XXXX report. Please see letter attached. 
ALSO Equifax has my name listed as XXXX XXXX XXXX. That is not my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-04 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Exquifax REFUSES TO REMOVE extended Fraud alert. I have notified this company that I did not authorize them to put any kind of fraud alert on my credit file. They are XXXX off because I keep challenging information on my credit file. They are determined to try to hurt me from obtaining credit. This company is on the verge of getting sued by me. This is the 4th time this year they have put a fraud alert on my credit file and I am sick of it. They are NOT doing their job and they are breaking the law. This needs to stop and they need to be sued.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Professional Credit Management, Inc
State: TN

Complaint narrative:
The account was paid in full and agreed to be removed from my credit history. However the account still remains on XXXX and XXXX. Please remove. 

XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ( XXXX ) XXXX Placed for Collection : XXXX/XXXX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$0.00} Date Updated : XXXX/XXXX/XXXX Last Payment Made : XXXX/XXXX/XXXX Original Amount : {$76.00} Original Creditor : XXXX ( Medical/Health Care ) Pay Status : & gt ; Account Paid in Full ; was a Collection & lt ; Date Closed : XXXX/XXXX/XXXX Date Paid : XXXX/XXXX/XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-03 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
discover purchase protection claim # XXXX. The discover credit card offers purchase protection up to {$500.00} if stolen or damaged. My product on the claim was " stolen '' and Discover card claim service says it is not stolen, it was " loss '' says Discover Card and stated that I was not do due diligent. When I spoke with the person to report my claim, he says that my claim should be covered as it has been with other customers. However, Discover Card, denied my claim. Other claims was approved and mine was not. They stated that because it was in a public place that they do not cover and Discover Card only protects your purchase when it is taken from your hand or other places than public places. It does not state that in the policy and also someone took it from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
I am writing you to lodge a formal complaint about fees that were charged to my account. The XXXX chargers in the amount of {$35.00} dollars. On XX/XX/XXXX for {$35.00} XX/XX/XXXX for {$35.00} XX/XX/XXXX for {$35.00} XX/XX/XXXX for {$35.00} XX/XX/XXXX for {$35.00} XX/XX/XXXX for {$35.00} for a total of {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: DISCOVER BANK
State: CO

Complaint narrative:
My understanding of the current laws with regards to applying payments to credit cards is as follows - Any payment amount left over after the minimum payment is applied must go toward the highest interest rate.The minimum payment itself typically goes to the balance with the lowest interest rate. Any excess of the minimum payment is applied to the highest interest rate. 
There is XXXX exception to the CARD Act 's excess payment rule : If you buy something under a delayed interest plan -- such as " no interest if paid in full in six months '' offer -- then you can choose to apply your excess payment to that balance instead of the balance with the highest interest rate, so you can take advantage of the deferred interest. 
Otherwise, the credit card company is required to apply the XXXX payments before the delayed interest period ends to the delayed interest balance, in their entirety. 

If this is correct, I have recently had an issue with Discover Card. As I have a deferred interest offer that is expiring on XX/XX/XXXX. I also had a balance at a rate of 4.99 %, which did not expire until XX/XX/XXXX. I paid in full the amount of 0.00 % interest offer in XXXX and asked that it be applied to the 0.00 % that was getting ready to expire. However, they applied the payment to the 4.99 % interest balance expiring in XXXX XXXX not the balance expiring in XXXX XXXX. I have both spoken to them and have written them and this is their response. 
" With your payments, we generally apply any amount that exceeds the minimum payment due toward balances subject to higher Annual Percentage Rates ( APR 's ) before balances having lower rates as of the date we credit your payment. Payments are applied at our discretion, including in a manner most favorable or convenient for us. In all cases, we will apply payments and credits as required by applicable law. We regret to inform you we are not able to move the payment to the 0 % APR. " Based on my understanding, this is against the law. If you could help me clarify, that would be great!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: AmeriCollect
State: MI

Complaint narrative:
I just signed up for XXXX and XXXX monitoring. On my MyFico XXXX report I just pulled, dated XX/XX/2016, which I have attached to this complaint, this account is listed as:XXXX. Reviewing my XXXX report, it matches to Americollect out of XXXX, WI. This account is listed on my XXXX credit report. 

I never received a letter in the mail that I was responsible for this debt. If I had received one, I would have paid it so it would have not appeared on my credit report. 

Please remove this account from my XXXX credit report due to the fact that I never received a letter allowing me to dispute the validity of the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation