vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: AMERICAN HONDA FINANCE CORP
State: LA

Complaint narrative:
Ca n't pay late fee so they want repossession of the car and i told them i can cancel my gap and pay it but that 's not good enough.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-02 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: West Coast Servicing, Inc.
State: CO

Complaint narrative:
In XX/XX/XXXX/XX/XX/XXXX I started my own business. I lived in a condo with a mortgage. I applied for and received a Home Equity Loan from XXXX XXXX in order to finance my business. At first I was able to make the payments because business was still decent. The recession hit really hard and I lost almost everything. I had to declare bankruptcy but was just barely able to keep my condo. It was terrifying and exhausting. XXXX XXXX sold my loan to some bank in XXXX ( I have the details at home but am trying to type this out at work while I have a moment of spare time, I 'm sorry - I can add the details! ). I contacted that new holder of my loan and they told me that I did n't have anything to worry about - they were n't trying to take my condo - and they were simply going to hold the loan without charging interest or requesting payments and they would just take the money they were owed when I sold the condo. This " business loan '' was the only thing I was n't able to relieve myself of in my bankruptcy. That was years ago - and NOW there is a company ( West Coast Financing ) who apparently bought the loan and is now demanding payment PLUS and exorbitant amount of interest ( WAY more than I ever agreed to and WAY more than the original loan ). I ca n't make the payments and I never agreed to this. Now they have a local attorney who is taking me to court over this! There is a date set for later this week or next. I do n't know what to do. I do n't know who to turn to over this and I need advice as soon as possible. I do n't want to be take to court again over losing my business. My original mortgage was with XXXX ... everything about the loans I received was quintessentially everything that went wrong with all of the banking that caused the recession. I feel like I 'm still caught up in the teeth of the ramifications of easy lending and now very predatory practices. I never agreed to any of these terms! I think they want to foreclose on my condo - the only thing I was able to salvage after so many years of loss and hard work. Please Help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-17 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: AES/PHEAA
State: GA

Complaint narrative:
After attending XXXX XXXX and graduating in XX/XX/XXXX, my student loans have doubled in what is owed. Every payment that has been made has gone towards interest. I have made payments and kept up to date on my debt. However, my payment has recently doubled as part of a graduated payment plan. I can not afford {$400.00} a month to keep my account current and I am afraid I will not be able to continue making payments. When I called for assistance, I was told that there are no other options available to help me. I WANT to remain current on my payment plan, but I can not afford payments that are half of a paycheck. I want to pay my loans off, but my loan servicer will not work with me to make that possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
There was a federal lien on me that has been withdrawn by the IRS, but Equifax keeps reporting it as " released. '' I have disputed it twice and both time I received notification from Equifax stating that they verified the lien and the item is being reported correctly on my credit report. They refuse to remove the lien from my credit report even though the IRS has filed a withdrawal of that lien with the county court. I need them to remove that lien from my report because it is hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
I have tried numerous times over the past several months disputing inquiries with credit bureau for inquiries I did not apply for a job or was granted a line of credit with companies who pulled a credit report inquiry. I have also mailed each company directly several times over the past several months and am not getting responses Below is a list of unknown and unauthorized inquiries. 
XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX A XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX EQUIFAX MORTGAGE SER XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
I purchased a house with a Veterans Administration ( VA ) loan. It was discovered that the house has an illegal septic tank that doesnt meet the minimum legal requirements. The house is located in XXXX XXXX, XXXX XXXX. XXXX XXXX law says that the septic tank should be located more than XXXX feet away from the house. [ unintelligible perhaps According to the lenders notice ], the appraiser agreed that it had to be inspected by the Department of Health for certification. It was not inspected and the closing on the loan took place anyway. I just got that inspection done, and the septic tank is not in compliance for the closing on the mortgage loan to have occurred. I stopped making payments, and the bank damaged my credit. The house cant be sold. What do I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Describe what happened so we can understand the issue ... 
I have several inquiries on my credit report from 2014 through today. 
At one point I got them all taken off and now they are back on? Please help. What can I do. Here are the ones that have been removed and now are back on.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I applied for a mortgage loan with XXXX and XXXX XXXX. I have been rejected by both companies because they state Equifax has a credit freeze in my credit report. I called Equifax to find out why just to be given the run around. I have faxed my Drivers License and Social Security card to them twice. The 2nd time, I was sure to get a confirmation so they could n't tell me again they did n't receive it but that is exactly what happened today. They are refusing to give me any information as to why they have a freeze on my account and upon me stating I never asked for this freeze, they still will not release it. I have offered to email my drivers license and social security card to them since they lose every fax I send them but they will not allow me to do this. Today I asked to speak to a supervisor but the girl I spoke to denied transferring me to a supervisor even after I held on the phone for XXXX minutes. She said her supervisor would n't allow it

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit score was XXXX but I have apply for a car loan at XXXX deller and some else has been us my information to etame crited in my name and there are to things on that are not my and not responsible for that be long to my ex-wife is santander consomer and that won removed that and remove all inquire witch I have not apply for credit

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There is a collection item from Doctor 's Business Bureau - XXXX for {$220.00} from XXXX/XXXX/14 on my Equifax report but I do not recognize this collection item or have an record of this collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-02 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I called Equifax on XXXX/XXXX/15 to report that I had been a victim of identity theft and to ask them to place a fraud alert on my credit information. I also asked for a copy of my credit report so that I could check the information. I was never told that I was entitled to a free copy and I was charged {$29.00} for the report. Yesterday, I received a letter from Equifax telling me that as a victim of identity theft, I was entitled to a free credit report. I called Equifax and they refused to refund my money. I think this is a scam -- they should have informed me of my rights up front.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXXXXXXXXXX SS # XXXX Re : a XXXX account # XXXX Equifax To Whom It May Concern : I would like to dispute the validity of a XXXX account listed on my credit report. I am requesting that a dispute be initiated for a XXXX account which is reported. 
I continue to dispute the validity of this account I request that the account be deleted from my credit report. Can you also verify and forward me the method of verification? Can you notify me of the outcome of this correspondence? 
Thank you Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I was reported for greater than 7 years ( XX/XX/2007 ) for a NY State paid tax lien and transition and equifax continue to report it and the law states that paid tax liens should not be reported for greater than 7 years and it has been over 8 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I pulled my credit report and saw that I had a collection account. I have never received a bill from the hospital and have never once been contacted by the hospital or by the collection agency that has since taken over the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have contacted Equifax about removing incorrect addresses that do not belong to me. I have asked for the following address to be removed, where I have never resided:XXXX XXXX , MA XXXX. I have never lived in XXXX, MA. I have lived at my present address, XXXX XXXX XXXX, XXXX, MA XXXX, for the past XXXX years and XXXX, MA, before that.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have a public records listed in my credit reports that are inaccurate and incomplete such as a bankruptcy that Equifax is reporting. The Federal laws requires that the credit agencies provides mechanisms to ensure that each item on my credit report belongs to me and is accurate and complete. I have requested from Equifax numerous times for validation that is competent evidence bearing my signature, name, address and telephone of each person they have contacted to validate this bankruptcy and they have failed me only yo return stating it has been verified without any proof. I have a letter from Federal Bankruptcy Courts and XXXX stating that they Do Not report to the credit reporting agencies but yet they come back saying they have verified it with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Lates were reported on my credit report while I was under bankruptcy. The lates were reported XX/XX/XXXX-XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax has reinserted previous unverifiable negative accounts on my file. I have send dispute letters showing negative accounts that have re-aged history, recent payments, schedule payments on accounts that have been close or sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 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:
I initiated a credit dispute with the XXXX credit reporting agencies on late payment remarks that are inaccurate. Also I did contact the creditors and they ran in investigation and sent me letters stating that I was not late. I have sent this to the credit bureaus and they refuse to do their jobs. I 'm just trying to get this rectified so I can purchase a new home for my family. I have made countless attempts and Do n't know what to do.

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

Complaint narrative:
I am trying to refinance with XXXX Bank. XXXX mortgage loans XXXX XXXXare showing up on my credit report as a short sale from a rental home I soldin XXXX XXXX, 2011. The loan numbers are XXXX for {$210000.00} and XXXX for {$39000.00}. 
I need proof from XXXX by way of HUD that this transaction of sell was complete. Thecompany claims that it does not have a record of this information. But it is showingup on all XXXX reporting credit agencies. I can not continue with my refinancing ifXXXX can not give me the information I need to close on my refinancing of my currenthome. I f they can not prove it, then it needs to be remove from the credit reporting agencies which XXXX Equifax XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
I have an account that was charged to my credit report, XXXX XXXX XXXX. Someone took out a payday loan using a bank account that was closed in XXXX with my information. They took the loan using this information out in XXXX. Again the bank acct was closed in XXXX. I want this resolved and closed and off of my name as well as my credit back up to where it should have been without this negative on my account for the past years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I make an ATM deposit every 2 weeks or so at my local chase bank. Included in that deposit is my husbands paycheck. When he forgets to endorse it, I do. I have been depositing the checks for years with no problems. Chase has changed their ATM system and now each time I try to complete a deposit I get a screen that says a " customer service representative will be with you to go over your deposit. ". Then I have to search someone down who is not busy to continue my deposit. This usually takes between 5-10 minutes. Last week, I found an employee who left her office and looked over my deposit. She said " did you endorse these checks? '' I told her " yes ''. She said she could n't accept my husbands pay check. I told her I had been depositing this same check for 30 years with no problems. I did not want cash back I just wanted to make my deposit. By this time I was there 15 minutes for a transaction that should have taken 3 minutes. I was fed up since it was the 3rd time in a row that I had to wait to complete my deposit. I told her how I felt and that I wanted to close my account. She said Fine. I followed her to her office where she proceeded to close my savings and checking account. She took my debit card and came back with a check.. The total of my check was {$87000.00}. At no time did she call over a manager or offer my other solutions to my problem. I told her that I thought it odd that she would just hand over this much money without making any effort to retain me as a custumer. She told me she had made a note of my complaint when entering my info in her computer. With that, I left. I opened a new account the next day at XXXX XXXX. Though I do not want to bank with them anymore, I just wanted a record of how thoughtlessly I was treated that day.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CORELOGIC INC
State: NH

Complaint narrative:
On XXXX/XXXX/2015 XXXX/Credo ( XXXX XXXX XXXX made an inquiry of my credit file with XXXX without my concent

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 2016-11-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
They are still showing that we were late on payments and owe back pay. I have letters and payment history showing where XXXX XXXX XXXX held our payments for months, and then applied them all at once which made it look like we were late. See attached documents proving.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have XXXX accounts for XXXX XXXX Support in Arizona. There are balances on these accounts, but I have paid on-time payments every month. XXXX & Equifax have changed from showing these accounts as " Current : Paid or Paying as Agreed '' to " Account 120 days Past Due Date ''. XXXX still shows all XXXX accounts as current. I have contacted the creditor who told me that I am current on all XXXX accounts. They also said that they are receiving many inquiries from other consumers regarding this issue. They gave me a printout of my payment history for all XXXX accounts, which I sent to all XXXX credit bureaus. I have received dispute results saying that they changed XXXX account but not the other XXXX from XXXX. Equifax shows XXXX as a charge off and no change to the other XXXX accounts. As far as I know, XXXX still shows these accounts as current. I have spoken with XXXX who said that they are just reporting what the creditor has sent them. My concern is that XXXX & Equifax are translating the data that they are receiving from the creditor incorrectly. Nonetheless my credit reports and scores from these XXXX credit bureaus have been significantly affected by incorrect reporting and they do n't seem to care.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Stated that it was correct, even though I called the original creditor and they said that it was never suppose to be on my credit report. I am lost and confused. I just do not know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I 've have disputed this a few times and have provided Equifax supporting documents to clear this from my credit report. I 've attached my 2009 tax return regarding this tax lien that was file against me. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19 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:
Equifax does not identify who does verification and what documentation is used to confirm verification. I have court documents ; what are they using? It appears that are using the word of the company reporting their information. XXXX XXXX is reporting incorrect and outdated information on an account that is no longer associated with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Ohio Department of Human Services has been incorrectly reporting my payment history and it is severely affecting my credit rating. They are showing collection history and payments up to 120 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX reported that on XX/XX/XXXX I owe XXXX ; however, when I called them they said it was n't my social security number, nor my address. But they sent me a credit fraud report instead of just removing the item. It was n't credit fraud, it was an error on their part, or XXXX part. I could n't fill out the form they sent since I do n't know who is responsible, or if it was fraud at all beyond their own clerical error. I tried to call XXXX, but they were no help at all, and they said they could n't remove the information.

Company response to consumer: Closed with explanation