vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have disputed an inaccurate public record Equifax has been reporting. They report that I have a NJ state tax lein of {$11000.00}. I have never had such lein. In fact I received a state refund this year. I have been disputing this since XXXX XXXX. I sent several more disputes throughout the years with no results. I called, disputed online, sent letters. With no response. I called today and they advised that in XXXX XXXX they verified this information. When I asked how this information was verified she could not answer that question. She told me to send supporting documentation. I asked how I would get documentation if I never had a lein against me in the first place. If they verified this inaccurate information as they are required to, then this would not be on my Equifax report. I have asked for a reinvestigation since XXXX XXXX. No response from Equifax and this time still remains and preventing me from getting a mortgage and a new home for my family. This item does n't show on XXXX or XXXX. There is no state or federal lein against me. I am demanding they remove this false and in accurate item from my credit report immediately. Or I will exercise my rights. In addition to the false reporting of the state tax lein, Equifax reinserted a collection account from XXXX XXXX and XXXX for the amount of {$120.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a collection item reported in my Equifax credit report. I tried to file online dispute but their website does n't work. You can fill out all info for an item in collection but can not submit the dispute. I have tried it for XXXX and finally called them. They advised me that I will have to use the online form to file a dispute. 

With non-functional dispute website and not responding on phone, I am left with no option but to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
I have repeatedly disputed a chapter XXXX bankruptcy on my credit report with Equifax. Each time they have responded back that they verified the information. I have repeatedly asked for evidence to support their claim and their procedure on how the investigated it. They have failed to provide me with a copy of any viable evidence submitted by Iowa XXXX XXXX in XXXX XXXX, substantiating their claims. After verifying with the Iowa Federal Court in XXXX XXXX that they did not supply any information to Equifax nor has Equifax requested the information, I called Equifax and spoke with their Dispute Center. The representative that I spoke with advised me that they did not verify the information with the Iowa Federal Court in XXXX XXXX. She stated they verified this information through the Iowa Federal Court. I advised her that I contacted the Court House and was told that they stated that they do not supply information to credit reporting companies. She stated it was also verified through XXXX. I followed up with XXXX and disputed the item with them. After their re-investigation, XXXX removed it from my file which they maintain under my social security number. When I requested they re-investigate my dispute, I attached the documentation from XXXX showing that they permanently removed the bankruptcy from my file for their review. I faxed the information and I mailed a copy via certified mail to Equifax. I believe they have been acting in bad faith, and have not complied with the Federal Trade Commission ( see 15 USC 41, et seq. ), and Equifax never marked my credit report as being disputed either.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-16 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I went to the website XXXX and completed all XXXX sections and when I got to the XXXX section to obtain the reports I received a message stating I would be unable to get the reports online I would have to mail in a request to obtain them. I do n't understand why the site would have me enter my personal information under the guise that I will receive the reports online and then tell me that I ca n't get them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: NC

Complaint narrative:
This is an ongoing issue. My wife and I did a Deed In Lieu with Seterus XX/XX/XXXX. They incorrectly reported the dates that we missed payments. We filed a complaint with the CFPB after disputing it with the XXXX, XXXX, and XXXX failed to correct it. Seterus corrected the issue and then incorrectly reported that we missed XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They have denied doing this. We filed a new complaint regarding the incorrect reporting ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) and Seterus responded to the CFPB that they would correct the reports to no longer show us late in XXXX. I appreciate that, but it does not address the issue that we are showing late for XX/XX/XXXX. 
Our original loan with Seterus was closed XX/XX/XXXX when we refinanced. They issued a refund from the escrow on that account in the amount of ~ {$500.00} that we did not discover until XX/XX/XXXX. It was not given to the state, nor did we ever receive it. They consistently refer to the new loan when we bring it up or tell us to prove that we did not cash the check. It has been researched numerous times and promises to send the refund have resulted in nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I been receiving numerous calls from kohls to collect on past due amount owed, they call at different times with local numbers but leave a voicemail with their direct number. I been paying monthly payments of {$25.00} but i could n't catch up due to monthly late fee of {$35.00} due added every month on top of the {$25.00} not being the past due amount. They been emailing me as well collection emails which i did not consent too. I finally responded to one of the emails in regards to offering a low apr/no late fee/low montly payment which i received a couple of these telling me my options, I called on XXXX/XXXX/XXXX i received the email on XXXX/XXXX/XXXX i specificcally called on these options offered via email, the representative advised me he could n't offer me the options only a settlement i advised him i cant do the amount of the setllement i wont be getting paid till XX/XX/XXXX i will call you back if i can come with the amount. he said ok. So i called yesterday XXXX/XXXX/XXXX im told my account has been charged off and my options expired on the XXXX/XXXX/XXXX they acknowledged my call in regards to the options emailed on XXXX/XXXX/XXXX but since it 's been charged off i no longer qualify. I felt misled and false misleading information on their behalf as well with the calling with local numbers more than once a day is ridiculous when im making as best to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Several years ago our mortgage was sold and when the information was exchanged between the XXXX companies my social security number was written wrong by XXXX digit. I did n't find out until years later and in that time all of the reporting agencies changed my number. I do not feel this is my error and there should be record of a number variation in each of their systems. Why do I have to prove who I am when they are the ones who changed the reporting information and what happened to my social security number whose name is now assigned to it that it would n't recognize both of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
'll admit upfront I was late for XXXX days on XXXX dollars when my escrow creeped up in XX/XX/XXXX. When they called me in XX/XX/XXXX they told me I was XXXX month late. I was n't sure what to think, so I went on their website and found the escrow issue and made immediate payment. I called them back and asked if forgiveness was possible. XXXX ( the cust. serv. ) said I had to send in bank records and they 'd need XXXX days to decide.lol By the time XX/XX/XXXX and XX/XX/XXXX had passed I had XXXX late payments against me even though I had paid all my P & I and taxes and insurance up to date. Just not the late payments. If they had n't tacked on late payments i was never XXXX days late ever. 

Also, I made payments XX/XX/XXXX and XX/XX/XXXX. The XXXX payment on the XX/XX/XXXX should n't have been processed until XX/XX/XXXX, but they Processed it on the XX/XX/XXXX. IN XXXX YEARS THEY HAVE NEVER PROCESSED A PAYMENT IN UNDER XXXX DAYS. Then, I 've never paid ahead of time. Still their records show they put the moneys in suspense not principle. These guys are playing games to balk consumers out of late charges. I need help to get these guys back, and to restore my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I received an updated credit report with corrections # XXXX also I received a full revised credit report # XXXX, however after carefully reviewing Equifax overlooked XXXX more inquires that need to be deleted due to them being unauthorized. 
1. XXXX XXXX XXXX Bank dated XXXX/XXXX/20142. XXXX XXXX dated XXXX/XXXX/2014

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I never uses the name XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Under the Equifax Complete Premier Plan " Understanding Your Score '' they are reporting that the oldest credit card I have is 8 months old and this is impacting my score in the most negative way. My XXXX XXXX credit card was opened XX/XX/XXXX - my XXXX Card was opened XX/XX/XXXX and I had several credit cards that were much older. They are using incorrect information in their equation when figuring my score. Every time I try and get corrected they do nothing but lower my score like they are retaliating against me for trying to correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: IA

Complaint narrative:
Seterus shows a deficit of {$1100.00} in an escrow account. Seterus has not made any payments for Insurance an taxes, so there should not be any activity in an escrow account Over {$2000.00} has not been applied to the mortgage balance. Monies are held in " suspense '' Late fees are being charged because payments are not being applied to my loan

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I was attempting to print off all XXXX credit reports. XXXX went easily and already corrected the disputes. EQUIFAX has the identity portion that must belong to someone else.This is affecting my credit as XXXX says I have XXXX things lowering my score. 
I was asked to identify myself by selecting a mortgage as well as a loan that I do not have. I owe nothing and never pay a bill late. As a result of lack of identity to their satisfaction I could go no further and did not get my report. The XXXX report XXXX I was in the middle of reading and it would go no further and they now say I can not get back in either to read or print off my free copy. Please help me .Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I had an account with XXXX XXXX Bank, XXXX XXXX bought it as a delinquent account, and they took me to the local Magistrates office to recieve payment, he awarded them just over {$1100.00} and they say I owe {$1500.00}. I sent the info to Equifax to correct it, and remove it from my credit, I recieved a paper back stating that it was correct. I sent all the paperwork proving it was incorrect, including the magistrates paperwork, and they did not correct it. I am now filing a complaint with your office to get help.

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 — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My personal information was compromised. Someone is trying open up credit card accounts in my name without authorization. When I called the individual companies, they said they can not do anything about it. 
Here are the inquiries in question. 
XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX I am requesting validation, made pursuant to the Fair Debt Collections Practices Act. I am requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to run my credit. 

XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX CARD XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX CARD XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
My XXXX mortgage statement had the incorrect XXXX interest an principal paid. I called Seterus on XXXX/XXXX/15 and was told they would send out a corrected statement, but they never did. I received my XXXX stmt, and the information is still incorrect. I called and spoke with someone today XXXX/XXXX/15 who was not able to give me any information and said that her supervisor was unavailable. I would like my statements to reflect the correct amounts of interest and principal paid on my mortgage to date. I have documentation of each person I spoke with and the date.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax incorrectly " verified '' an error in my credit report, and did not fix the error upon my dispute. This regards my home mortgage account. 
In XXXX 2016, XXXX of XXXX, XXXX purchased my loan from XXXX XXXX of XXXX, XXXX. XXXX was previously the administrator of the loan. 
The EQUIFAX credit report of about XXXX XXXX, 2016 listed this account as XXXX separate accounts, with XXXX different monthly payments. Upon my dispute of this situation, EQUIFAX says that their accounting is correct - that I have XXXX mortgage accounts outstanding that " belong to you ''. The address and phone number for XXXX XXXX provided by EQUIFAX is now defunct. 
It is my understanding that the original error may have been with XXXX, but EQUIFAX is responsible for not responding correctly to my dispute of the error. I am told by XXXX they fixed the problem internally on XXXX XXXX, but on XXXX XXXX EQUIFAX sent me an erroneous conclusion. 
On the attached document from EQUIFAX , please note the last payment of {$3100.00} is incorrect and listed as XX/XX/2016, while the " last activity '' is listed as XX/XX/2016. Since XX/XX/XXXX, I make a single monthly payment of {$3000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
The letter sent to XXXX XXXX below XXXX outlines what happened. I have disputed the incorrect credit reporting through Equifax, including the following letter and my credit card statements as evidence, to which they came back with no changes stating they 'verified ' the information reported. I have also disputed the incorrect credit reporting through XXXX Disputes Dept, but no corrections have been made to my credit file. 

XXXX MO XXXXRe : XXXXDear XXXX XXXX XXXX XXXX I am responding to your reporting on my credit file. You first contacted me by mail XX/XX/XXXX to attempt to collect {$15.00}. I did not have any responsibility for the alleged debt you were trying to collect. 

I have attached my XX/XX/XXXX credit card statements for you to view. Please take note of the transition from XXXX XXXX XXXX to XXXX XXXX XXXX XX/XX/XXXX. I disputed the {$15.00} with my credit union after receiving statements that I had a XXXX balance with a minimum {$15.00} payment. My credit union investigated my dispute and deemed the {$15.00} an error on their part, resulting from a payment to my credit card that was misapplied by XXXX XXXX XXXX XX/XX/XXXX. It was also acknowledged as the second misapplied payment, following the first in XX/XX/XXXX. You will find the {$15.00} credited to me by XXXX XXXX XXXX on my XX/XX/XXXX credit card statement. 

Please verify and update the following incorrect information in my credit file : past due status in XX/XX/XXXX & lt ; -- - misapplied payment/credit union error past due status XX/XX/XXXX & lt ; -- - misapplied payment/credit union error past due status in XX/XX/XXXX & lt ; -- - owed a XXXX balanceIf the corrections that need to be made are not immediately addressed, I will have no choice other than to move forward with this complaint to the Consumer Financial Protection Bureau and/or file suit. 

Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I had previously disputed this items several times on my credit report with Equifax only, for XXXX XXXX. I have sent them XXXX 's received from XXXX in 2014 taxes paid on this forgiven accounts. And they 're still showing balances when it should show settled and XXXX balances.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My husband filed Chapter XXXX, which was discharged in XXXX 2015. XXXX, XXXX was contacted by trustee, but did not respond. We have tried to get them to correct our credit reports ( this debt was fully discharged ). They continue to misreport.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Security National Automotive Acceptance
State: CO

Complaint narrative:
Security National Automotive Acceptance CompanyI was a XXXX in the XXXX XXXX and got behind on a car payment do to a divorce. I was attempting to contact this company to fix it when they began to call and threaten me over the phone to include contacting my commanding officers. I let them take back the car becouse I no longer wanted to deal with them. They still started going after me for the full amount of the cars worth even after they sold it. I went to court against them and the judge agreed that I did not have to pay the full amount and took about XXXX off what they were trying to get from me. I was paying them back XXXX dollars a month until I got a honorable discharge from the XXXX and they put XXXX owed in collections on my credit report. I ended Up fighting them with XXXX and they took everything off my report. Years later about XXXX they have started calling and harassing me again and have placed the amount of XXXX back on to my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I disputed the inaccurate info about the judgement, case # XXXX, with Equifax and XXXX. Both stated the info was correct. However, as noted on the reports Equifax is showing a Paid/Satified date of XXXX and XXXX shows a Paid date of XXXX/XXXX/2013 I have included the excerpts of my credit reports showing how these accounts are reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I checked my credit alert and found a hard inquiry from EMS XXXX Equifax Mortgage Services XXXX. I tried to call this business and it is listed as closed. I have hard inquiry on my credit report as recent as XXXX/XXXX/15. I am afraid this could be an attempt of identity theft. The phone number provided is not working. I tried to look for another phone number. Here is the company info EMS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX phone number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch
State: TX

Complaint narrative:
I filed a Qualified Written Request/Notice of Error on XXXX/XXXX/15 and received a written acknowledgement of my QWR dated XXXX/XXXX/15 from my mortgage servicer. As of today, i have received no further communication from my servicer and my dispute has not been resolved.

Company response to consumer: Closed with explanation