vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
Address still incorrect. Also listing two additional addresses that do not belong to me. 

Please remove XXXX XXXX from address. This is a single family residence. 
Please remove XXXX XXXX - Never resided there. 
Please remove XXXX FL - Never resided there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-24 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Home Loan Center, Inc.
State: NY

Complaint narrative:
I was searching online for a loan of XXXX dollars. I contacted the lender 's ad. The following day I received a text message stating who the person was, name and ohone number. She said she could help me and that she wpuld email me a pre-application. I have saved the email and the phone messages. She asked for my bank account information and log in, which I provided. I know that was risky and I should n't have. She said she needed me to meet with XXXX of her employees to sign a form and confirm my identity. The women met me at a near by XXXX because I did n't want them at my home. The original contacte gave me the woman 's name who I was meeting and her cell number. I saved XXXX. That women just looked at my license and atm card. She sis not take down the information, but I know my license number was provided on the application. I had to write my account number and just my pin but not my debit card number. I was contacted that their would be withdrals and deposits and it was just a computer. Their were fraudulent checks mobile deposits and atm withdrawals, which I dont understand how that is possible. After my bank all of a sudden got returned checks and my account was over negative two thousand the fraud department thankfully froze my account. I have a credit union and they will not credit me anything unless I prove how this could be possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Their is a bankruptcy reporting on my credit report that is not mine, I spoke to the bankruptcy court and they confirmed that its not mine and is not sure how this is being reported on my credit report as they did not even have my SSN in their system. They saw a smiler name but could not provide me with any information of that person and they told me to dispute it with the reporting tangency. I reached out to the credit agency and they wont remove it nor will they tell me why or how they verified that its mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is reporting accounts on my credit file as " unknown '' after I 've notified them a few times that they need to identify these accounts. Not only that, but they keep passing the accounts to other collection agencies. I get XXXX account removed because it ca n't be verified and then they sell the account to another company who then reports it as well. This is an uphill battle that I 'm losing. They have refused to provide the required company name, address and phone number for these " unknown medical '' accounts, so if they do n't even know who these companies are, how are they verifying them with the creditors???? 
UNKNOWN XXXX UNKNOWN XXXX UNKNOWN XXXX UNKNOWN XXXX UNKNOWN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: NY

Complaint narrative:
XX/XX/2015 I closed on the sale of my home. The property was previously in a foreclosure proceeding, therefore my attorneys contacted the bank 's attorneys XXXX to obtain a payoff amount. A payoff letter was sent to my attorney XX/XX/2015. This payoff figure was confirmed by the title closer on the day of closing. 

Approximately three weeks after the closing, I contacted the new owners of the property to determine if any mail was still being sent to my old address. Inspection of the mail I received resulted in my locating a letter sent by regular mail from Seterus ( the debt collector processing my loan ). This letter included the payoff check which was sent to them by the title closer to payoff the loan. The letter stated that the check was being returned because payoff amount was insufficient. 

I immediately contacted my attorney and the title closer. I returned the check to the title closer and called Seterus to determine what happened. The Seterus agent indicated that they had sent a different payoff amount to my address XXXX ( the same date as the letter that was sent to my attorney from their attorneys - XXXX ). When I tried to ascertain how the matter could be resolved the agent said I would have to send a complaint to a fax number, and wait for someone to contact me. The agent also mentioned that interest in the amount of $ XXXX/day would be accumulating. When I tried to determine how long the resolution process would take, no time could be provided. 

There has been significant misrepresentation by Seterus in this matter. I believe this misrepresentation amounts to fraud. Seterus asserts that they sent a payoff statement to me XX/XX/XXXX in a larger amount than that sent to my attorney - a copy of this letter is attached to the statement they sent to my attorney XX/XX/2015 

If the larger payoff amount was on the Seterus record XX/XX/2015 as they suggest, why did the Seterus agent quote the smaller payoff amount to the title closer XX/XX/2015 the day of the closing ( a note to that effect was made by the title closer at closing, see attached ). The evidence suggests, that they recalculated after the closing, and created backdated documents to support their position. This company should not be allowed to do business. If your loan is sold to this company, you are in trouble. 

This company has a long standing record as a bad actor in the mortgage processing business. They are rejecting a payoff that was generated by them and are attempting to accrue additional payments to the tune of $ XXXX/day with no end in sight. I will complain to every possible government agency in an effort to get someone to take action.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The latest Activity date of XX/XX/XXXX which Equifax and XXXX are both reporting is Incorrect. The correct Activity date IS XX/XX/XXXX. The last Activity date for XXXX XXXX XXXX collection agency should reflect is XX/XX/XXXX. Not XX/XX/XXXX. I have disputed this several times by phone and XXXX to no avail. This is detramental to my credit and needs to be rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My name is XXXX XXXX and I am writing to report an error on my report. I have never had a XXXX XXXX Credit Card. I would like assistance removing this information from my credit report, as this account belongs to my sister, XXXX XXXX, now XXXX XXXX. I also wanted this company to take preventative measures, from now on, to secure the separation of my information with any other consumer with similar identification, such as my sister, and my mother, XXXX XXXX, XXXX XXXX, while married. 

Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX re-aged XXXX of my accounts from XXXX XXXX. I sent copies of a credit report provided by XXXX with correct and original dates which stated that they wereto stay on my reports until XXXX 2016. XXXX deleted them on XXXX XXXX, 2016 but since put them both back onto my credit report. Equifax only deleted XXXX, refused to recognize the correct dates, stated that they lost my documentation eventhough they deleted XXXX off. XXXX is still reporting XXXX, after investigation they deleted the same account twice. I want to file complaints against all XXXX credit reporting agencies as well as XXXX XXXX XXXX for continuing to try reinsert these accounts knowing full well that they are in fact inaccurate. The very ones who are charged with theresponsibility of ensuring the accuracy of information continue to be totally inaccurate themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-09 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been the victim of identity theft fraud for more than 4 years. I have filed numerous complaints with Equifax to no avail. I have submitted fraud affidavits, consumer statements and proof of fraud, yet they continue to not accurately investigate my accounts, remove erroneous information and update my reports with the information provided. 

I contacted the office of the president for Equifax and they stated that " Another department handles these types of complaints and that my case had been closed out due to lack of provided information. I furnished Equifax with a fraud packet and supporting documentation on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. 

The representative went on to state that " I would have to file another complaint with Consumer Financial Protection. '' I need help in resolving this issue asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
The Annual Credit Report site works well, Equifax always has a problem it seems. 

I did XXXX and XXXX, worked perfect. Equifax always wants you to spend money with them before they will give up the report, so they just make it hard. I can see the information from XXXX, attached screen and all I was going to do is add my employer. They ask really stupid " identity '' questions, I know I have answered all them correctly and even consulted XXXX and XXXX reports to cross reference their questions. There database is incorrect and then they want me to mail them a bunch of things, which they know I wo n't. If there database is such a mess, why not have a selection " We are having trouble identifying you and will mail a copy to your address on file '' Attached is screen shot of XXXX XXXX, both reflecting access to Equifax, then no employer reported. Hey Maybe you could get the to correct it since they do n't do their job. I have been at XXXX XXXX XXXX to present, XXXX also attached the screen shots from Equifax identity questions and then all the hoops they want me to jump through to fix their database.Please ask them to send me a copy of the address on file since XX/XX/XXXX, I would appreciate that

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-21 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
I received notification from citi bank regarding my best buy mastercard being past due. Upon receiving this notice I checked my credit report which now shows a derogatory mark due to this account being 90+ days past due. I called the number provided on the letter & explained that I had not received any type of statements or notifications prior to this delinquent notice. My email was confirmed as I am setup on e-bill, however I have not received any type of statements regarding my account via email. I was being pushed to pay the balance of over {$150.00} due to late charges accrued on my account. I requested to know why I did not receive a notice when my loan become 30 days delinquent, to which I had no response. I was transferred to another department for 'resolution ' in which I was disconnected when the agent answered. I was advised by the prior agent that I could not make a payment online since I did not have my XXXX. He advised there was no way to reset my password without having my credit card. My credit card was discarded of to prevent use of this account. I am aware that an annual fee is charged and as a consumer I am responsible to pay, however it is the responsibility of the creditor to also notify the consumer of amounts due or actions that will be taken.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX stated we owed a balance after we paid the contract agreement. XXXX sold the matter after we disagreed to a Collection Company XXXX. We worked with XXXX and went to Magistrate Court XXXX. It was determined to by Judge XXXX that the matter was too old and Closed the case. Equifax has decided since the Trade name were different that matter could not be removed. We checked with the XXXX to be told that was not true that XXXX XXXX XXXX, XXXX, and XXXX of XXXX were the same. We stated this to get a non response from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
as usual they are still stateing that I am indeed that woman with the messed up credit. all so they have given me to social security numbers same as before XXXX is mys. the other XXXX belongs to the person who bad credit belongs to .also they Equifax are stil reporting that Iam a full time student and previous jobs that I work at and still saying that the XXXX Bill is mys ..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
Equifax is not responding to any of my requests to investigate, verify and remove some accounts from my credit report that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I requested contracts bearing my signature and the creditor nor bureaus have provided me any proof within 30 days as required under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have reviewed my credit report and it reflects correctly my good credit history. Yet my score has continuously dropped from around XXXX in XX/XX/2016 when we finished a streamline VA loan refi, to today 's score of XXXX. Nothing has occurred in my credit since XX/XX/XXXX that would warrent such change such as having late payment, missed payments charge off or court actions, etc. However, my credit score keeps dropping Asverse my lines of credit get reduced for having lower and lower scores. A catch XXXX, my score was dropped then my line of credit is reduced which drops my credit line. 
I would gladly pay off my credit as it 's not that much. Except for a little issue that started in XX/XX/2016 : My veterans educational benefits have been recalculate as a result of this the VA has determined they over paid my school. So, VA has withheld my pay in XX/XX/XXXX, XX/XX/XXXX and again in XX/XX/XXXX, over {$8500.00} ( my school was only paid {$6500.00} ). I 'm just very confused by all of this. And still, I 've keep up on my payments. But this sliding score is causing a mess as we are trying to buy a home! I expect to see a score of XXXX any day now as time progresses.

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 have inquiries on my credit report from identity theft. I 've had them removed from the companies but they reappeared. I 'm attaching documentation to show them being DELETED. I EXPECT them to be DELETED here as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have made several attempts to have my XXXX accounts removed from the Equifax report due to the discrepancies ' in the payment history they are reflecting. This has gone no where, instead of removing the inaccurate information, they updated inaccurate information and they are reflecting a higher balance than what I owe. 
XXXX XXXX ok- XXXX XXXX XXXX XXXX XXXX ok- XXXX XXXX XXXX XXXX ok- XXXX XXXX XXXX XXXX ok- XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have come to the conclusion that the credit bureaus are violating my rights under section 1681 and that they have received the following : NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617. I had previously sent my XXXX and XXXX rounds to the bureaus with no resolution, and round XXXX on XXXX/XXXX/15 and round XXXX on XX/XX/XXXX. I receive the same response each time saying " verified '', and yet section 609 ( c ) states that I am allowed disclosure of the documentation used to " verify '' the accounts. They refuse to provide the documents as well as their method of verification ; the results they send state that I can request such and then they deny this. The accounts I am disputing do NOT belong to me. In addition, there are multiple addresses on my file that do not belong to me ; therefore, I am positive they belong to someone who has used my information in one way or another. I have attempted to contact each creditor and have not resolved with them either. I am going to have to resort to suing the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
I sold my house. I requested a payoff as did escrow. We did not receive the payoff until I submitted a complain with you. I finally received my payoff and they added XXXX to the payoff for " estimated additional charges through XXXX XXXX County property taxes '' I have an impound account that has XXXX in it. Property taxes are not due in California until XXXX late after XXXX XXXX. My account was payoff on XXXX XXXX. There is no reason they should have added that to the payoff. I called in and they say they do n't know why that was added but it has not been added to my impound account. I should receive a full refund of what is left in my impound account plus this XXXX. They statement I am providing you is from XX/XX/2015. they are no longer sending statements but instead a coupon with no loan information. It states you can only get loan information by going on their website. Since my account is paid off I have no access to their website Many people do n't have access to computers. I do n't know how they can not send a statement with no information. I have included my payoff I received, my XXXX 2015 statement and the XXXX coupon. I want to make sure this company gives me back my impound account plus this additional XXXX of my money they took that was not needed. This company has been very hard to deal with. I can get no answers from customer service. I appreciated your assistance in this matterElizabeth LongdenSeterusLoan # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Numerous times I have let Equifax know that there is a debt on my credit report that is not mine. I filed with XXXX also. XXXX corrected the mistake, but Equifax did not. I sent documents proving that it was not my debt. Equifax never changed the information. It was a situation where my father and I have the same name, but the debt is his. Now because of Equifax , I been turned down for a home loan three times.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have disputed this inaccurate data fro over 2 months, They are not giving me a date of when I can expect to have it complete or resolved or to confirm. I have included my efforts, as you can see they have it listed under dispute with no due date, it has been in limbo almost 60 days

Company response to consumer: Closed with explanation