vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: AK

Complaint narrative:
Under the Derogatory Account section of my Credit Report appears XXXX ( XXXX ) for {$1300.00}. I have no idea what this is and it has negatively affected my credit score and ability to obtain a car loan. I have only XXXX credit card a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
On XXXX XXXX, 2015, I requested by phone, my free annual credit report from all three credit reporting agecies. It was indicated that it would take fifteen ( 15 ) days to receive the reports. As of today, I have not received any reports.

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

Complaint narrative:
equifax had previously deleted the account labeled XXXX due to lack of validation on XXXX XXXX 2016 and recently re added it to my credit report without notifying me of this change violating the fcra

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
EQUIFAX I HAVE IDENTITY THEFT VICTIM I SENT OUT LETTERS TO ALL XXXX MAJOR CREDIT BEARUS ONLY XXXX WANT HONOR IT NOR GIVE ME MY CREDIT REPORT IS EQUIFAX SOME REASON I HADE LIKE XXXX OPEN AUTO LOANS AND SEVERE CHARGE OFF NOT ME MY EQUIFAX WAS OVER XXXX IN XXXX 2014 LAST TIME I EVER SEEN IT AS SOME ONE PLACED SECURITY FREEZE ON IT I CANT GET EQUIFAX TOO GIVE ME MY REPORT I SENT THEM XXXX COPIES OF MY DL THEY WANTED COPY SSN AS WELL WHICH I WOULDNT PROVIDE TOO THEM THEY SENT ME LETTER BACK SAID MY DL PICTURE DOESNT MATCH ME WOW SOME ONE HAS MY DL WITH THERE PICTURE IN YES THE DO IT XXXX GUY NAME IS XXXX XXXX I HAVE HADE MY MAIL SENT TOO OTHER ADDRESS OTHER THAN MINE SOME ONE HAS FORWARDED MY MAIL YOUR CREDIT BEARU WILL SHOW IT BUT THEY WANT PROVIDE IT ME WITH ONE I HADE BUDDY GOT IT OPEN AND PULLED IT HE SAID IT HADE OVER XXXX OPEN AUTO LOANS XXXX CHARGE OFF THEN XXXX REPO HOWS THAT EVEN POSSIBLE SO I GOT COPY OF IT DISPUTED IT ALL THEY WANT SEND BACK ANY RESULTS ITS CLOSED AGAIN ITS BEEN NIGHTMARE I HAVE XXXX PAID OFF LOANS THAT ARE MINE POSSIABLITIY GONE ACCORDING TOO DISPUTER THEY TOLD ME THEY HAVE SEEN THIS BEFORE USE INNOCENT PEOPLE CREDIT REPORTS GET ALOT AUTO CREDIT CARD LOANS THEN FREEZE IT AND FORWARDED THE MAIL TOO PO BOX AND CHANGE THE INDENTITY TOO THEM BUY CUTTING YOUR PICTURE OUT PUTTING THERES IN THERE AND PRINTING OUT YOUR SOCIAL NUMBER MAKING LOOK REAL I HAVE HADE NOTHING BUT NIGHTMARES FROM THIS I HAVE CALLED EQUIFAX THEY WANT TALK TOO ME BECAUSE I HAS FRAUD ALERT WITH QUESTIONS I CANT ANSWER THE GUY STOLE MY IDENTITY IS XXXX XXXX AND XXXX I HAVE HADE TON EMAIL PROMOTIONAL FROM XXXX XXXX AND XXXX XXXX XXXX POLICE CALLED ME 2 YEARS AGO ABOUT THIS MATTER THEY HAVE HIS REAL PICTURE ON FILE DEALER TURNED IT IN AS THE NAME DIDNT MATCH UP WITH THE BUYER SO I NEED HELP PLEASE MY BEARU HAS BEEN LOCKED ALL THIS TIME

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX has inaccurately reported to XXXX, Equifax , and XXXX Credit agencies that I had a late credit card payment XX/XX/2016. This is not accurate. After speaking with XXXX XXXX on multiple occasion they informed me on those multiple occasions that I do not have any late payments. When I contacted XXXX they have informed me they have sent multiple off-cycle updates to the XXXX XXXX Agencies to update the inaccurate information. This has not occurred as the same late payment is still on my credit reports. 

I have disputed the late payments multiple times and nothing on the reports has changed. Either XXXX XXXX is not responding to the disputes or the Credit Reporting Agencies are not truly investigating and providing the same inaccurate information when they receive the disputes. All said the issue is not resolved and its been 3 months since the initial dispute was filed and XXXX along with the Credit Agencies have been contacted about the issue. 

I do not want to have to resort to legal means to get the issue resolved but will if it is not handled immediately. This is black and white, I did not have a late payment in XX/XX/XXXX yet it is being reported as late. This is a complete violation of the Fair Credit Reporting Act which is a violation of the law. This issue needs to be resolved ASAP. I had attached a chat that I had with a XXXX Representative that confirms my statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX Bank is reporting on my Equifax file it has reached time limit it can report. I have disputed this information with Equifax ; however, it is still reporting. I have called Equifax in regards to this negative mark ; however, Equifax is more concerned about me buying a product from them instead of helping me resolve this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-05 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
When I go to check my free credit report, I am told that I may have taken out several loans for certain dates although I have never taken out a loan. When I go to answer these security questions about said loans, I am unable to give an answer, because I have never taken out a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12 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 disputed XXXX incorrect addresses reporting on my credit with Equifax over the last few months. However, I have not had any successful with getting these incorrect addresses removed. So, I need your assistance in getting this matter resolved. The incorrect addresses are : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-17 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Hello, I would like to lodge a complaint regarding all three major credit bureau 's ( XXXX, XXXX, and Equifax ). Looking over my credit reports at the beginning of this year I was worried by some of the problems on my credit report that I feel is inaccurate and false information and should not be on my credit reports. I then began investigating information on the Fair Credit Reporting Act and started sending off certified letters to each of the credit bureau 's. Each time I have requested complete proof from each of the bureau 's, all they could say was that the accounts have been verified and would remain on credit report. This is still violating Federal Law and now I seek litigation in regards to these responses and would like this handled promptly. I asked that I could see a copy or be provided a copy of the " original SIGNED consumer contract '' with my signature on it in order to be tied to those accounts. I will not take all the bureaus ' words for it and allow them to verify through the creditor 's word. 
After receiving the second letter from XXXX stating that they will not re-investigate the accounts due to already being investigated once and talking to XXXX over the phone and not getting anywhere in the results I am looking for, I then began looking for a way I can get this properly executed and resolve my issue. What the Bureau 's are doing is not the proper way of completing an investigation especially if I can not see proof of their investigation that shows they have obtain or seen a consumer contract with my signature on it. It is already past 30 days for all of the credit bureau 's and they have not followed the Fair Credit Reporting Act to the " T '', which includes not verified accounts needs to be removed immediately and I feel I am getting no where. Please I would like your help in following up with my complaint and get this resolved for me. I was having a very hard time trying to get into another vehicle and now I am stuck in a really high interest and high payment because what is weighing my credit down is accounts that are n't even mine that are on my credit report. Below I have attached documents or letters that I have sent to each credit bureau of everything that is unverified on my credit reports and also pictures of certified receipt 's showing the dates. ( NOTE : I will submit this complaint 3 times, for each bureau, and include each separate attachments ). In the letters, the second page of each letter is a section that I have signed and have had the notary at my bank notarize the letters to show that I am who I say I am. Please review the attachments and please help me resolve my complaint promptly. Thank you. 

P.S. I was n't too sure what bullet I was suppose to choose that " describes my issue. '' So I chose what I feel this issue would fall under best.

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

Complaint narrative:
My credit score averaged XXXX on both XXXX and Equifax. It dipped on both by about XXXX points respectively because my credit card utilization was at 97 %. I paid off all my credit cards and my score should go back up by about XXXX points on both. Today, XXXX reported nothing and Equifax only went up XXXX points! How is this possible?! They are both also saying my credit reporting history is 18 months old and that is lowering my score now as well. My credit history is well over 10 years old. I do not understand how it is even possible for credit reporting to affect your life so much! They should all be abolished, or at least just have one. This is getting ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX is incorrectly reporting on my XXXX mortgage. XX/XX/XXXX I filed chapter XXXX and my XXXX was included. XX/XX/XXXX I called to have my XXXX mtg refinanced. XXXX said that it could not be done without refinancing the XXXX. I was underwater at this point and requested HARP info, they said I would not qualify but they would send. Within 2 wks they had " sold my XXXX '' and could not refinance, they then said they " sold '' my XXXX. I had to file bankruptcy in order to keep my home, I could not afford the balloon payment on the XXXX. I found out recently that both are still in fact owned by XXXX but serviced by XXXX. XXXX would not subjugate the XXXX unless paid and would still not guarantee that they would allow a refinance. Now neither XXXX or XXXX is showing my current XXXX mortgage on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These inquiries in attachment should not be on credit report. i have attached an email I sent to a local ford dealer disputing this as well and advising them they should not have submitted my credit report to XXXX banks without my approval. 

Have you guys submitted my application to any banks today? I noticed you have pulled my credit. I hope you guys did not do a mass credit submit, if so I want those inquiries removed. Getting me approved by XXXX banks is not a good process. 
XXXX XXXX On XXXX XXXX, 2016, at XXXX XXXX, XXXX XXXX & lt ; XXXXXXXXXXXX & gt ; wrote : Hey XXXX, I have spoke with other personnel in the management team to resolve your case. We have authorization and are currently working on it. 

When would be able to come in if it is possible? 

Best, XXXX XXXX XXXX Cities XXXX XXXX XXXX XXXX XXXX : XXXXXXXXXXXX From : XXXX XXXX & lt ; XXXXXXXXXXXX & gt ; Sent : Monday, XXXX XXXX, 2016 XXXX XXXX To : XXXX XXXX Subject : Re : XXXX did n't forward my credit information? If I came in could I drive it home tonight? I know with my credit issues you would need a day to try to get me approved. I could come in the next 30 minutes but not to sit around. 
Do you need any info from me, did you get paystubs and ID theft statement? 
XXXX XXXX On XXXX XXXX, 2016, at XXXX XXXX, XXXX XXXX & lt ; XXXXXXXXXXXX & gt ; wrote : Hey XXXX, Thank you for the reply. I will get with management about the vehicle, but if you could do me a favor. We are currently not authorized to look at your credit. We would need you to fill out our online credit application. The link is HERE. Unless you just wanted to come in and sign off on it. 

Please put my name as the Sales Associate. 

I look forward to helping you get into this truck! 

Best, XXXX XXXX XXXX Cities XXXX XXXX XXXX XXXX XXXX : XXXXXXXXXXXX From : XXXX XXXX & lt ; XXXXXXXXXXXX & gt ; Sent : Monday, XXXX XXXX, 2016 XXXX XXXX To : XXXX XXXX Subject : Re : XXXX XXXX, I would do truck below if your still offering $ XXXX off. With $ XXXX down only would be financing like $ XXXX. 

VIN : XXXX XXXX XXXX On XXXX XXXX, 2016, at XXXX XXXX, XXXX XXXX & lt ; XXXXXXXXXXXX & gt ; wrote : Hey XXXX, I apologize for not answering, my phone must have been receiving a call at the same time. I am getting with management to see if we need anything else and how we can help. I will get back to you as soon as have more information. 

Best, XXXX XXXX XXXX Cities XXXX XXXX Sales Consultant M : XXXX XXXX : XXXXXXXXXXXX From : XXXX XXXX & lt ; XXXXXXXXXXXX & gt ; Sent : Monday, XXXX XXXX, 2016 XXXX AM To : XXXX XXXX Subject : XXXX : FMCC Information XXXX XXXX tried to call you back. I am still in the market and working on my ID theft has been slow on Experian and XXXX. 

Have about $ XXXX down and can get A-plan price. Based on FMCC info can you guys help? 


XXXX XXXX. 
Sent from my XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is the second year I have problems getting my credit report from Equifax. I got my credit report without problems from XXXX and XXXX but Equifax is asking security questions that are not related to my, with wrong information, making it impossible for me to access my credit report, they claim I have a store card witch I do n't have, this is not the first time I have problems with Equifax. They are requesting me to send a form and copy of my social security card proof of address etc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
I went through a 6 year Chapter XXXX and during that time my loan was sold several times. Eventually Seterus had my loan. I have ben out of the BK for 9 months and in a trial loan payment for 7 months. The trial payment was supposed to be for 3 months then the loan modification would give me a new loan. Seterus gives me the same story each time, The loan department is backed up and will get to your loan very soon. I concerned that communication with responsible persons at Seterus is almost impossible. XXXX XXXX Seterus Loan # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: National Credit Systems,Inc.
State: VA

Complaint narrative:
I have ask this company to sent me a detailed bill. Never received the bill, so I called again and they had sent it to the wrong address. Rep was rude over the phone. I called back to speak with her supervisor and she was on break. on a later date I called back again and gave them a correct address, its been a month and I still did n't receive the detailed bill. Got a call from my rep and she was rude and improper about the situation again. I had to hang up on her.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
ON XXXX XXXX I place a call to Wells Fargo to report a fraud. Wells Frago employee turn blind eye to my report, I woke on XX/XX/2016 to find my account empty out and have a balance of XXXX dollars I called them The supervisor I spoke with was very rude said there was no fraud, I told yes there is since I did not touch the money I had in my account I better not be having overdraft fee charge to my account because I had money in there but since they refuse to take care of my fraud report. XXXX/XXXX/16 I had XXXX that was directly deposited into my account they still took all my money bringing my account to XXXX. I call them again but they refuse to fix the issue, I woke up on XXXX/XXXX/16 to have XXXX charges of XXXX dollars fees for overdraft i call spoke to XXXX XXXX, on XXXX/XXXX/16 at XXXX, her response to me was is that all. I could not believe what I was hearing I have been calling regarding this issues non stop and all the agent got to say to me is that all. Wells Fargo STOLE XXXX dollars out of my account. I will be going to news with this, I have written an email to the board of Wells Fargo and NOT ONE PERSON REACH TO ME TO EXPLAIN TO ME WHAT IS BEING DONE & gt ; I AM CALLING FRAUD ON MY ACCOUNT, I HAVE A VERY LARGE FOLLOWING ON SOCIAL MEDIA I WILL POST MY CONCERNS TO EVERY SOCIAL MEDIA OUTLET SO EVERY NEWS CHANEL CAN PICK UP ON THE ACTIVITY THAT IS STILL GOING ON AT WELLS FARGO & gt ; XXXX XXXX THE EMPLOYEE AND EVERY OTHER EMPLOYEE THAT I HAVE SPOKEN WITH WHOSE AWARE OF THE FRAUDULENT ACTIVITY SHOULD BE FIRED AS WELL XXXX XXXX SUPERVISOR XXXX XXXX AGENT XXXX XXXX AGENT THEY DON '' T NEED A JOB I NEED ALL MY MONEY ALL MY XXXX DOLLARS BACK IN MY ACCOUNT THEN I WANT TO CLOSE THE ACCOUNT

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-27 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
My husband and I divorced XXXX XXXX XXXX and our house was in foreclosure. I applied for a loan modification in XXXX XXXX and was approved, after I sent my divorce decree and filed a quick deed claim with the courts. ( and all of the other XXXX pieces of paperwork. ) I went on the 3 month trial period and passed it, XXXX. XXXX, XXXX. Then my ex husband filed bankruptcy XXXX. XXXX, XXXX. They took my loan modification away. I was awarded the house in the divorce decree also. They said that my ex husband 's bankruptcy lawyer did n't file a motion?????? This lawyer said he did. So either the lawyers lying or the home mortgage company has lost it?????? Its my house. why would it have anything to do with my ex husbands ' bankruptcy. Now I cant even make a house payment because the house is in " protection ''?????? I do n't know what to do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo charged me for monthly property inspections, hundreds of dollars in late fees, attorney fees, and reversed payments when I made double payments in a single month. 
I continually requested assistance to overcome the payment challenges I was having. Until the most recent statements from Wells Fargo, I was only allowed to participate in the modification program if I agreed to payments that were increased by almost $ XXXX/month and increased by many years. Until I complained I was not even given the chance to do that. Low and behold the payments just recently were lowered to about $ XXXX/month less than original payments and the monthly mortgage insurance premiums were lowered to $ XXXX/month, down from $ XXXX/month. This complaint is for the XX/XX/XXXX and XX/XX/XXXX time periods where my loan had reversed payments when I paid double payments in a single month. I want ALL the reversals that were done on my account reversed. I will submit the next few years in blocks of 2 years at a time due to the confusion of my double payments. I will also submit the request for relief from the XX/XX/XXXX FORECLOSURE pending from another " trustee '' that is based in Washington. My home has been in constant threat of foreclosure since XX/XX/XXXX and I have had to file bankruptcy several times to stop the sale of my home that I am living in, where I raised my children. 
PLEASE MAKE WELLS FARGO ACCOUNTABLE FOR THEIR MISTAKES AND stop kicking people out of their homes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
We were sold a Pick-a-Pay loan in 2006 by Mortgage Broker XXXX XXXX with XXXX. XXXX XXXX was bought out by Wachovia and then Wells Fargo bought both XXXX and Wachovia. My mortgage was never assigned to XXXX XXXX, Wachovia or Wells Fargo. I have put in several complaints regarding my issue but Wells Fargo denies all allegations and never supplies proof of anything. XXXX XXXX at Wells Fargo is assigned to look up the origination of my loan and they must prove that they own and was assigned my mortgage. They must also show proof the origination of my loan was not fraud but until now no proof has been supplied on Wells Fargo side. There are XXXX mortgage recorded in 2006 for XXXX different amounts. There are 3 applications : 1 ) showing my income as {$6200.00} per month ( I have this in my possession ) It was handwritten. 2 ) another showing my income as {$8000.00} ( generated by Wells Fargo ) I have this XXXX in my possession, and 3 ) regarding a so called equity line of {$35000.00} in which Wells Fargo has yet to show proof of. I have no recollection of an equity line. Nothing has been recorded for an equity line. They are trying to foreclose and can not without proving they have an original. Please see attachments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation