vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-16 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I used the Equifax online system to request a temporary lift to me Security Freeze on XXXX XXXX, 2016. The fee for this service is {$10.00} for which I supplied a credit card. The Equifax website returned an " Error '' page at the point of payment. When I received my credit card statement, I found that I had been charged {$10.00} twice for the same transaction. Trying to reach Equifax by phone is almost impossible. They do n't want to talk to you. They do n't make it easy to find a number other than their " Automated '' system numbers. After searching for a " live person '' number I called XXXX XXXX XXXX. I wasted a lot of time on hold then wasted more time speaking with an agent at a call center in the XXXX and her supervisor. They are the " flak-catchers '' and are there to waste your time and wear you down. They have no authority or capability to help you. They were difficult to understand and were of no help. I finally got them to transfer me to Equifax in XXXX and then of course, I was hung-up on. Before the transfer, the number I was given to reach a " live person '' in XXXX at Equifax is XXXX XXXX XXXX. When you call this number you find it is an " XXXX '' system, not a live person so you have reached a dead-end they way they want you to. So Equifax has taken my {$10.00}, wasted a ton of my time and given me no refund. The customer service experience that is the equivalent of waterboarding.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-19 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: OH

Complaint narrative:
I was making regular payments on my mortgage to the XXXX XXXX XXXX since XX/XX/XXXX. On XX/XX/XXXX the XXXX XXXX XXXX contacted me by written letter stating they were transferring me to Seterus, Inc. to service the mortgage. XXXX XXXX XXXX refused to accept my XX/XX/XXXX payment. I called Seterus six ( 6 ) times before they sent me a " Welcome Packet. '' received on XX/XX/XXXX. By this time I was two ( 2 ) payments behind because XXXX XXXX XXXX refused to accept payment and Seterus , Inc . had not sent me a coupon book or contact address or the new account number. Along with the Welcome packet came a letter in a separate envelope threatening foreclosure, and demanding payment for XX/XX/XXXX also. I was not late in any payment to XXXX XXXX XXXX but they refused to accept my checks! I could not pay Seterus, Inc because I did not have the new account number, or their physical address! I did pay the $ {$950.00} for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have received no statement or payment coupon. I intend to pay ; but this whole effort was to put me in default so that they could foreclose on my house

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
XXXX filed a Notice for Wage EXECUTION, by PRESSLER & PRESSLER and I am currently on medical leave for XXXX XXXX. XXXX did wrongfully shared my information first to XXXX XXXX and sold my information to Pressler & Pressler, my employer received a wage exception notice to garnish my wages in the amount of {$210.00} weekly. This garnishment is also filed with the Superior Court of New Jersey and I am disputing this wage exception with XXXX. I would also like to report PRESSLER & PRESSLER for harassment and for filing this claim against me! I would like for this wage garnishment to be removed at once from the Superior Court of NJ, and a notice sent to my Employer!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Approxamately 5 years and 6 months ago I rented an apartment at XXXX XXXX XXXX for a 1 year lease. From the day I had moved in, there were issues ( No initial cleaning was done prior to my move in to which the manager responded, " Well, You wanted to move in today '' ). Additionally, The several items I listed on my move-in inspection that were in need of repair and/or replaced were not attended to throughout the entire 7 months of me living there ( w/o incident on my part ). Finally, After having paid the 6 previous months rent with money orders, I was turned away and told they were no longer accepting them ( w/o any notice ). I attempted to return the money order to XXXX where I had purchased it, with no success, and after returning to XXXX to advise them that if they would n't accept my form of payment ( the same form as I have made for the prior 6 months without any issues ), I would not have access to retrieve the funds. They again, declined which resulted in my moving out and leaving the apartment considerably cleaner than it was upon my arrival. When we went to court, Their lawyer asked me to explain the situation, and when I did so, He advised the Judge that they wished to settle the matter as it currently stood with me owing nothing and no longer residing there. I have submitted the court documents to them several times with no cooperation or attempt on their part to even respond to me in any form.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I provided proof of the Federal Tax Lien being released and removed. All credit bureaus XXXX, XXXX have been removed, but EQUIFAX refuses to remove it even once the proof was given. I disputed 3 times NOTHING has happened. Its EXTREMLY FRUSTRATING

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax is reporting the same Child support account twice on my credit report XXXX and refuse to remove one of them. You can not duplicate the same account twice on a credit report. Making it appear as if you have more accounts then you really do, giving the lender the impression that you have more debt. I spoke to the supervisor from Equifax and that they are XXXX different account when clearly it is the same account. Same account number, same schedule payments. I only have XXXX child support case anyway so it is impossible for me to have XXXX accounts anyway. I ask the supervisor to remove it right away because it is a violation to my credit report, because they are reporting the same account twice. They said the most they can do is a 30 to 45 day investigation for an account that is clearly duplicated. XXXX problems I have with that, XXXX is there should not have to be a investigation for and clear error and XXXX Equifax also pull your credit score down up tp XXXX-XXXX points during the investigation until the investigation is finish making very unfair to the customer to look for funding during this time. Just because the account is reported on different days do not mean it is a different account. If the account has the same account number it is the same account. I want Equifax to remove the clearly died account that say XXXX balance off my credit report because that account is clearly not reporting anything. It just sitting there making it appear as if I have more then XXXX child support case and I do n't. Your credit report is very serious, Credit Reporting agency is quickly delete any duplication accounts and clear errors right away. This can hurt the customer and the error has nothing to do with them. If these was XXXX different account I would understand the investigation and the rules of 30 days. I will attach the document that shows the XXXX same accounts. I understand accidents can happen. But when it is clearly a accident remove it right away or they should get a fine. That is the only way these companies will take the customer serious.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Repeatedly I have asked that certain items on my credit report be corrected or removed. This is affecting my credit score and rates of interest being offered by lenders! I have asked the erroneous addresses on my report be removed .I asked that incorrect items that are being reported by lenders/vendors be investigated and corrected, They are : XXXX for {$1000.00}. I changed to XXXX after there was interruption in service due to the weather conditions, but XXXX kept their service going even after I requested it to be turned off. XXXX also kept billing me for a number I had already transferred to XXXX. XXXX staff was paid for service. I asked for them no to deposit the checks I left until next day and I had a chance to transfer funds between accounts. 
Equifax has NOT responded to my request for investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been reviewing my credit report closely because I am looking into buying a house. 
But the statement of " Serious delinquency '' continues to come up on my report. 
I have not had any Serious delinquencies in over 10 years, Why is it still on my report?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Address XXXX XXXX XXXX XXXX nj is not mine never was on Equifax file I want it off please thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
My mortgage loan is delinquent and I called in to Seterus, Inc to set up payments. I was informed by XXXX that they would not accept my payments. I told him that I am currently XXXX but wanted to keep my home and wanted to make the outstanding XXXX and XXXX payment. Even though we are still within the month of XXXX, XXXX would not accept my XXXX and XXXX payments, unless I also included the XXXX payment. I to him that he is forcing me into a foreclosure by not accepting my payment. He was very abusive and was using strong arm tactics to force me to set up an additional payment for XXXX. I asked was the conversation being recorded, because I wanted to have a record of this abusive behavior that Seterus is utilizing with people attempting to make their mortgage payments. They are forcing individuals into unnecessary foreclosures to keep their servicing record clean and receive additional fees from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Now that have disputed Equifax , I am getting letters and phone calls from XXXX stating that they were formerly XXXX XXXX in 2004 and I have not answered their calls because they have been notified by my lawyer XXXX XXXX XXXX ( Twice ) that do not call XXXX XXXX. All questions are to be referred to him.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
For the past several months I have been trying to get Equifax to address an issue I have on my credit report regarding XXXX XXXX. In short, XXXX XXXX has been willfully and falsely reporting the date of a judgment against me. In XXXX, we entered Bankruptcy. We have been advised that XXXX had filed a complaint against us in XXXX of XXXX. Our attorney advised XXXX that we were entering into Bankruptcy and that our bankruptcy would be filed on XXXX XXXX, XXXX. XXXX continued to pursue legal action and were awarded a judgment against me on XXXX XXXX, XXXX - They did not advise the judge that they were aware that the account had been included in the bankruptcy which was recorded two days earlier. Further, XXXX then began reporting to the credit reporting agencies that the date of the judgment was XXXX XXXX, XXXX NOT THE ACTUAL DATE of XXXX XXXX, XXXX. 
After 3 different requests for an investigation - Equifax finally " reinvestigated '' the account and much to my amazement came back and reported a PUBLIC RECORD DATE OF # XXXX ( Civil Judgment ) as being XXXX OF XXXX! I was alerted to a drop in my Equfax score by more than XXXX points and when I check my file a NEW PUBLIC RECORD ( reporting the same case number as # XXXX ) has been update to a disposition date of XXXX XXXX, XXXX! 
I am completely baffled as to how Equifax could be so inaccurate on this information. To compound this problem - I work for a Police Agency who uses credit scores as a means of determining an employee 's " fitness for duty '' - Their inaccurate information is now endangering my ability to maintain my position. This needs to be fixed and needs to be fix immediately. I have reached out to Equifax via phone and correspondence and have been advised - They will look into it!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My credit report includes my parents information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
On XX/XX/XXXX I sent letters to EQUIFAX requesting verification. EQUIFAX continues to break federal laws according to FCRA. EQUIFAX has conducted a improper investigation. Equifax has failed to provide me with a copy of any original documentation for example, a consumer contract a with my wet-ink signature on as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. Furthermore, Equifax have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly DELETE all information which can not be verified. '' I REQUEST THAT ALL UNVERIFIABLE INFORMATION BE PROMPLTLY DELETED.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I was doing closing to buy our new house and then we could not close the deal since my sister debts showing under my credit and according to debt to income I lost my deposit for this new house and I could not buy the house, I tried to call Equifax more than 4 times, first time they gave me a fax number and told to wait 48 hours I called them after they said that was not the right number and that means my personal information went somewhere else God knows. Than I faxed twice with complete status of sent and then called them again they said never received any fax or documents. So I`m about to sue them and bring to court, First of all they mess up my credit score and history and not trying to fix it. the other credit card bureau are correct so I complaining about huge mistake and they have to pay for it AND THE DAMEGES I HAD BECAUSE OF THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Here is another, and the XXXX in a series of complaints that Equifax is attempting to not formally respond to. 

There is no credit repair or fixer, involved in any of my disputes, adding this as a means to dismiss this dispute becomes a willful dismissal. There is a penalty for each dispute filed, and EQ employees are creating XXXX at this point. 

Equifax 's comments '' *Equifax has reviewed the complaint and its records. *Equifax did not receive any additional communications from the consumer during the review of the complaint. *No follow up actions are required in further response to the complaint. " Equifax has been manually updating reports making them inaccurate, these Tradelines now reflect as not being paid - and closed. This is a trending issue, and as such -- I do not agree to resolving this dispute outside of this portal. These defects in the record are the result of EQ making changes, and not the source. 

ALL of these accounts are CLOSED and PAID, and at some point stored the correct designation. They were updated and innacurate. I DO NOT agree to have these positive Tradelines, deleted because EQ manipulated the data, it must fix it. 

The following CLOSED Tradelines - have a " N/A '' Activity Designator, and should not. 

Account Name Account Number Date Opened Balance Date Reported Date of last reported update. Past Due Status Condition of account when last updated by creditor or otherwise. XXXX XXXX is the only XXXX reporting correctly. 

Credit LimitXXXX XXXXShow Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX PAYS AS AGREED $ XXXX XXXXShow Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX PAYS AS AGREED $ XXXX XXXXShow Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX PAYS AS AGREED $ XXXX DCShow Details XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX LOST OR STOLEN CARDXXXXShow Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX PAYS AS AGREED $ XXXX XXXX BANK XXXXShow Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX PAYS AS AGREED

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To whom it may concern, XXXX recent credit inquiries showed up on my Equifax credit report. Called the creditor, they said they did not pull my credit. Disputed online on Equifax, Finished in one day and stated nothing can be done because they are " factual record of file access ''. Called Equifax, refused to provide any proof of the inquiry except the creditor 's name which I knew already. 
Told Equifax that the creditor 's stated that they did not pull my credit and Equifax should investigate again. Nothing was done and Equifax insisted that the creditor needs to contact them over business line only in order to get this removed. I then mentioned the Fair credit reporting act that if the creditor does not provide information, it will be Equifax 's responsibility to get in contact with the creditor and If the credit bureau does n't get a response either, it has an obligation to remove the disputed inquiry. Got no comment from the agent and still insisted that this is a legal issue and they ca n't say anything about, and insist to ask the creditor to call Equifax to get this removed. 
Refused to give me further help expect keep insisting to ask the creditor to call them over their business line which they refused to give me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have had numerous problems getting Equifax to fix errors on my credit report. They take a long time, do not do a proper investigation and are causing me distress and financial problems. I am unable to secure housing for my son and myself because they will not fix the errors. I am going to have to retain an attorney to address these issues in court but that is going to take months. Meanwhile the damage continues to affect my livelihood. Below is the list of errors:1. For 5 years they reported a charge off account on my credit report twice. For 5 years I disputed this error and they never corrected it. I was informed by the creditor that Equifax was aware of the problem but never took the necessary steps to correct it. 
2. I had an account with XXXX XXXX which was paid off XX/XX/XXXX. Equifax continues to report this account as being open and XXXX days late. This is incorrect. 
3. I had an XXXX account that is paid off that they are reporting as a charge off. THe other XXXX credit reporting agencies are reporting it correctly, the account is paid and closed. 
4. I have another account with XXXX Bank whic Equifax is reporting as a charge off. They claim the last activity was XX/XX/XXXX but have no payment activity recorded prior to that. They dates of last activity are incorrect. Again, this account is past the statute of limitations and should be deleted from my file. However because Equifax has the wrong information they have not done so. They had removed it once but then it was reinserted. 

I have asked them to investigate every negative entry on my credit file because of their errors I need to have every account investigated to ensure that the items are properly reported. I am a XXXX veteran, and a single mother trying to provide for my son and this is threatened because Equifax is negligent.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Someone wrote a bad check in my father 's name to a company called XXXX XXXX XXXX. By me being a " XXXX '' the company reported the discrepancy on my credit. I DO N'T DRIVE!! I do n't even have a car. I talked to the reporting company but they wo n't do anything to help me. How can I get this resolved? I 'm in the process of repairing my credit. I know I have debts that are my doings but this is not one of them. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax is reporting that XXXX XXXX XXXX, Account # XXXX was late 2 times XXXX XXXX and XXXX XXXX. That information in incorrect. XXXX and XXXX confirmed it was an error and they corrected it. Now I need Equifax to correct it as soon as possible. Thank you!

Company response to consumer: Closed with explanation