vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-20 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Misleading sale practice Complaint Description : Agent XXXX XXXX pulled my credit report without my permission nor did I sign any papers giving her consent to do so. I spoke with her concerning renting one of their properties. XXXX XXXX stated it was ok for my mother to fill out the application and stated we had to pay the XXXX dollars before seeing the rental property because she had other clients who wanted the home. I and my mother asked her not to pull our credit report several times, even calling the office speaking with XXXX XXXX asking whether XXXX had pulled my credit report because I did n't want it pulled knowing that she did n't have all of my information to rent a home and she told me she would wait before pulling my credit report until she got all our information before processing with the application. XXXX told my ( Mother ) it has n't been pulling after calling her several times asking her as well, later finding it had been pulled without my consent nor did I sign any papers for them to do so period. They refunded the XXXX dollar charge because they were ask not to pull my credit report now they need to remove the inquiry. I never agreed to become indebted of the pulling of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
EQUIFAX SOLD A CREDIT COMPANY XXXX XXXX XXXX A DEBT I HAD ON MY CREDIT FILE AFTER IT WAS 10 PLUS YEARS OLD WHEN ACCORDING TO FCRA LAWS A DEBT IS NOT ALLOWED ON YOUR FILE AFTER 7 YRS. WHEN EQUIFAX WAS WRITTEN A LETTER IN XXXX BY ME THAT THIS DEBT WAS FROM 2004 AND SHOULD NO LONGER BE ON MY CREDIT FILE AND TO REMOVE IT AT ONCE THEY. ( EQUIFAX ) SOLD THE DEBT TO XXXX XXXX XXXX XXXX IN XX/XX/XXXX INSTEAD OF ABIDING BY THE FCRA LAWS " NO DEBT CAN BE REPORTED ON A CREDIT FILE AFTER 7 YRS. " A CLEAR VIOLATION OF A FCRA LAW. WHEN I WAS NOTIFIED BY XXXX XXXX XXXX XXXX IN XX/XX/XXXX I TOLD THEM WHAT OCCURRED THAT EQUIFAX SHOULD OF AND WAS NOT ALLOWED BY FCRA LAW TO SELL YOU THAT DEBT AND I SHOWED THE CREDIT FILE THEY IMMEDIATELY SENT ME A LETTER STATING THEY ARE NO LONGER COLLECTING ON THIS DEBT AND I AM NO LONGER OBLIGATED TO PAY THIS DEBT. THEY HAVE VIOLATED MY RIGHT AND I WANT THEM TO REMOVE ALL NEGATIVE ITEMS FROM MY CREDIT REPORT AND HELD ACCOUNTABLE OR I WILL SUE THEM IN COURT FOR XXXX XXXX DOLLARS ALLOWED BY THE LAW ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-09 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 never checked my credit report before this was the first time and I seen many things that do not belong to me such as medical bills and unpaid cable bills I 'm guessing thru direct tv which has never been a provider of mine and I just want to get all theses things cleared up

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
an insurance company issued payment for flood damage to a home, and listed tthe mortgage holder on the draft. after endorsing the draft and sending it tothe mortgage holder ( seterus / XXXX ), the mortgage holder has committedintentional fraud, and will not refund the money to complete the flood repairs. 
they continually change criteria for release of the funds, indicate that we haveto complete repairs from money out of our pocket, and has caused loss ofuse of our property.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-01 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 submitted this complaint to have this charge-off accounts off of removed from my credit report on at least XXXX occassions. XXXX times I have mailed in my dispute and I have also submitted my dispute via CFPB and online via Equifax dispute portal. The items that I am disputing are as follows : XXXX XXXX XXXX XXXX XXXX XXXXEach time that I have disputed these accounts Equifax has stated to me that they have come back verified and belonging to me. Impossible, I have attached a police report, FTC Affidavit that least these accounts to be removed and I have also included Equifax 's own credit report that still lists the account on my credit report and an email and the delete report from XXXX of the charge off account stating that they are deleting the account listed on my credit report due to fraud. I have submitted the same information to XXXX of the other Credit Reporting Agencies and they have removed all of the accounts but Equifax continues to do the direct opposite from what they are suppose to do. I spoke to Equifax customer service and fraudulent department on XXXX/XXXX/15 and they have again stated that the reports have come back verified. No matter how much information I send to them to show that these accounts do n't belong to me they still say they do. How can you do a detailed verification when you actually do n't. I need all XXXX of these accounts removed from my credit report and an updated report sent to me as soon as possible. Since this has taken already 60 days to do I believe 15 days for them to complete their job is suffice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
I have tried to settle by offering an amount I understand it 's fair.. these people do n't care and they do n't want to settle for other amount other than what they said..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
XXXX keeps reporting an account that is charged off and they are trying to collect on it. The original issuer sold it to them who is XXXX XXXX. Why are XXXX companies trying to collect off of the same debt. This should not be reporting on my credit report at all. It is hurting my report and Equifax has not did a thoroughly investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Equitable Acceptance Corp
State: TX

Complaint narrative:
I reached out to XXXX XXXX XXXX after seeing something on XXXX to inquire about my student loans I am repaying. They claimed to be part of the Department of Education and told me they could help to lower my payments by enrolling me in a payment based repayment plan. I ended up qualifying for a {$0.00} payment but I would owe {$39.00} for the service of the program monthly. What I now know is they are charging for a service that is free. They have a company called Equitable Acceptance that charges my account every month. I only became aware of this because when I went to renew this year I was sent to the Department of Education website to basically recertify myself. They do it charge any service fees and can help you do everything. These companies are pretending to help people and even at a low rate, the amount adds up over years and per clients. 
I have tried to resolve this issue using my bank. They have put a stop payment on future debits for the {$39.00}. However, they are not able to reverse XXXX of the charges. I have also changed all of my Department of Education login information so these companies have no access to my things.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
XXXX, XXXX reported to EquiFax in XXXX XXXX that my responsibility for the $ XXXX mortgage had been Discharged in XXXX XXXX. 
I sent EquiFax , along with XXXX and XXXX, the Re-Affirmation Agreement executed by XXXX XXXX XXXX, my husband XXXX XXXX and I to prove that the note was not Discharged. 
XXXX removed the XXXX, XXXX account from my credit file for violating FICA rules, but EquiFax , in this complaint, have allowed XXXX, XXXX to change the status of my account from Discharged, in Default, back to Discharged but Consumer Disputes this Information ; Re-Affirmed, Consumer Disputes this Information, Re-investigation in Process, to currently, Foreclosure proceedings in process. XXXX XXXX XXXX has only completed the Military Service not filed an Affidavit with the Registry of Deeds, such that Foreclosure process has not begun as yet. 
In each instance of a change to XXXX account status, EquiFax does not change the " Date Last Reported '' - it 's been XXXX/XXXX/XXXX for six years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
This is a new Care ( THIS IS A NEW CASE ) Back in 2012 on case number XXXX CFPB assisted me with XXXX XXXX XXXX XXXX XXXX ). in 2012 XXXX agreed with CFPB and myself and removed all the fraudulent information from my credit report show any late payments ( I have never been late ). I check again this morning and the fraudulent information was back on my report. Needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I paid off ALL my credit the first week of XXXX, including a travel trailer we sold. We should have a zero balance on everything. There is no outstanding debt, except my car, not even XXXX on a credit card and it shows it all and balances even higher than what I paid off. I do n't have canceled checks because it was all electronic from my savings account and the trailer was paid off by the buyer to the bank. Why is this all still showing on my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
In a previous CFPB case, # XXXX, I disputed incorrect reporting status from Equifax in regards to my XXXX XXXX XXXX XXXX XXXX XXXX. XXXX responded as follows : " Equifax has reviewed the complaint and its records. The balance on the XXXX XXXX XXXX account number XXXX has been updated to reporting a XXXX balance. XXXX XXXX XXXX account number XXXX is currently reporting a XXXX balance for this account. Written confirmation has been sent to you on XXXX/XXXX/16. '' About 30-days later, that information was updated by XXXX XXXX XXXX! Equifax again reports a balance owed and the account in open status.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
A Tax lien was placed on my house, by state of Georgia, in XXXX XXXX. This debt was paid in full, I have attached copy of paid tax lien stamped paid XXXX/XXXX/XXXX. I am requesting this be removed from all XXXX credit report agencies from XXXX, Equifax , and XXXX under the Fair Credit Act. I have no late bill mortgage in good standing with good credit history. If State of Georgia has removed this negative report for others then I have right to have it removed from mine. I have attached a screen shot of my Equifax credit report ran XXXX/XXXX/XXXX showing it is on there as negative debt. 
Thank you for your serious consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have disputed on more than one occasion and for the past several months an account I had with XXXX that is listed on my Equifax Credit Report. Equifax continually lists my account Status as Account Included In Bankruptcy ; Type of Loan Charge Account ; Whose Account Individual Account ; ADDITIONAL INFORMATION Bankruptcy Chapter XXXX ; Bankruptcy. It should be noted that I settled the debt on this account directly with the creditor prior to filing bankruptcy and so I never had a reason to include it in my bankruptcy. Despite the fact that I have filed disputes and sent Equifax proof that my account was never included in bankruptcy, Equifax continually ignores my disputing this account and has exhibited this behavior and negligence to me over the past several months. They never provided me with any detailed explanations with regards to how they determined status on this account and they have refused to correct it despite what I tell them over the phone or through online disputing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-23 00:00:00
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: AES/PHEAA
State: AL

Complaint narrative:
I called XXXX XXXX XXXX and asked them to stop calling me at work. They asked for my phone number so they could take it off of there list. Well, they stopped calling that particular number. They must have gone on my company 's website and found other numbers and its unclear to me which numbers they are calling now. They asked to verify my employment and gave out the last XXXX digits in my social to my coworker and they told her that it was for a garnishment. It bothers me that the continue to call me at work after I told them they were putting my job in jeopardy by continuing to call. What is even more frustrating is that I have never given the student loan company my work phone number. That means this third party company researched and found my number!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC.

Complaint narrative:
Refinance my mortgage paying off the mortgage I had with Suntrust on XXXX XXXX, 2015. They ( Suntrust ) was supposed to send me a cheque with my balance on the escrow they are holding for the amount XXXX. Up to today I have not received the fund. They are claiming that they have send me by check the above amount and I have not received it. Let me point out no letter has been lost and I have even received their latest communication final escrow account disclosure send to me on XXXX XXXX. In their they are claiming that they have refund me. I keep calling them and they keep saying the check was send out few weeks ago. The amount is important and they are withholdin it without any justification. The check lost is an easy way of delaying the reimbursement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-20 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
EQUIFAX is illegally and unlawfully reporting information on my credit file. I 've asked for the following information : a ) Federal Reserve form XXXX registration statement, ( b ) Federal Reserve form XXXX ( b ) ( XXXX ) prospectus, ( c ) Federal Reserve form FR XXXX balance sheet ( s ), ( d ) Federal Reserve form FR XXXX balance sheet ( s ), ( e ) Federal Reserve form XXXX balance sheet ( s ), ( f ) The Deed of Trust. ( g ) Chain of custody and They have not responded to my request. I also asked them to present a certified final forensic audit from EQUIFAX in accordance with g.a.a.p, I.f.r.s. in accordance with basel XXXX accord and u.n.c.i.t.r.a.l. conventions. I also asked them to present these documents from the folowing vendors/creditors : XXXX : XXXX, XXXX XXXX account : XXXX, XXXX XXXX, and XXXX XXXX XXXX and they have failed to do so. 
I am requesting EQUIFAX to immediately remove all derogatory credit reporting from my file until EQUIFAX can provide proof of claim and exhibit the original instrument in accordance with the XXXX XXXX XXXX, and TENNESSEE state Law, U.C.C. 3-501 ( B ) ( 12 ), ( and any local applicable laws including UCC ) inclusive of the genuine original Promissory Note and genuine original allonge ( s ) showing : ( a ) Proof of the existence of an account of the actual establishment of debt account by the actual Sentient human, XXXX of XXXX, duly signed and written out by both parties and not any unilateral agreement. ( b ). Proof of claim that the listed entities are the original Holder in due course of the aforementioned original debt instrument and that it is not being un-sold to another party. ( c ) A copy of actual accounting, original ledger whereby each company in question, has incurred a loss as a result of the alleged debt. ( d ) An invoice ( not a statement ), for any amount of money owed to ( each company ) by XXXX XXXX XXXX ( e ) Provide proof of claim there is any money in circulation is backed by anything of value, by which any debt including this one that lends to the possibility that the companies listed might get paid by way of actual money. And that the value of the attached is not sufficient to discharge this debt under the following laws : The Fair Credit reporting Act Public Law No. 91-508 enacted in 1970 The Bankruptcy ACT of 1933 12 USC 411, P.L. 97-280 UCC 1-103, 1-308, 2-221, 2-104, 3-415-419, 3-500-510

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I NEVER used my credit before and when I applied to get my first car the dealer told me that my credit was at a XXXX and I just paid a car off and just leased out a new one. He said I also had school loans and the name and address were different from mine as well as the employer. He could not give me the information that we received. I tried checking my credit online but a lot of the sites are n't letting me because my social is associated with other accounts on the websites. I 've been trying to go through this process and I signed up for XXXX and they 'll do the investigation for me but I need the information for the other people. I have still yet to open anything in my name, so everything on my credit report is invalid and needs to be eliminated so I can start establishing my own credit. I 'm only XXXX years old and the credit usage dates back to when I was XXXX years old. These accounts have been on my credit for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have contacted Equifax on several occasions in reference to the fraudulent accounts listed as XXXX XXXX and XXXX Bank Card. I 've sent in supplemental police reports that substantiate these matters as fraudulent over the course of months. XXXX card services was investigated and deleted back over a period greater than 6-7 months and now it has resurfaced. I also have personally contacted XXXX XXXX which had been advised by equifax office of consumer affairs but have still been unsuccessful in proving myself to the point that the fraudulent account does not belong to me. XXXX XXXX XXXX with XXXX XXXX have been overwhelming. I have been more than cooperative in providing her every requested document I can possibly present to her to prove my position. Sometimes it seems like the credit bureaus are for the individual whose committing the fraud instead of assisting and protecting the consumer. It would be greatly appreciated if this department could help in resolving this matter with the XXXX credit bureaus. 
Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: WV

Complaint narrative:
I have private student loans that were taken out with XXXX and later sold to Navient. They never allocated my payments correctly and I would get harassing calls that certain loans were late and charged late fees. Also sometimes they would take the payment out of my account three times in the same month and I would have to call. Unreliable times to fix this. My loan amount never decreases. It atays the same or actually keeps increasing. They would have me.pay for deferment and tell me I would get the money back after making a certain amount of payments on time. However the loan never received this money nor did my balance ever decrease. Now they are telling me I owe an ridiculous payment that I can not afford and they tell me they will not even consider helping me until I default for three months. I have always paid my student loans even while facing unemployment and I can not afford what they are asking. They say they can help when I call but do nothing. Even if I communicate with them regularly. I have cosigned I have not seen or heard from in years. I ca n't get any help they say until my cosigned refuses to help me. I do n't want to default but it 's as if they are telling me I must.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have a judgment on my credit report that was not file properly after I paid off the judgment. The proper actions were not taken after I paid off the judgment. Even though my land lord gave a written statement that the judgment was paid. Please look into Equifax procedure of removing satisfied judgments. The Plaintiff ask for {$4200.00} you can see that at the top. Please pay close attention to the document you can clearly see that I only owe {$420.00}. The Judge only awarded them {$420.00} and below you can see my counter payments I made to the bill.

Company response to consumer: Closed with explanation