vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-27 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I signed up for the XXXX XXXX month period with Equifax.com, and when I signed up, they charged me XXXX XXXX, XXXX charges instead of their so called deal. When I spoke with them, the fail to give me a refund for charging me XXXX. Plus, their score is so underrated that I had to consider signing up with other credit bureaus because Equifax credit score is so low is hurting my credit history. Equifax should be placed out of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX was used online fraudulently. I notified Wells Fargo, they cancelled the card and said the fraud dept would investigate the fraudulent activity. They then proceeded to report that I was late with payments!!!! The balance was from the fraud! I 've never been late with a payment in my life!!!! My credit score is tanking ... Pls help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
This is the second compliant I have filed against Equifax for the same reason and the same credit card company. I am fed up with Equifax, if the cant report the correct information maybe the should be in a different business. This makes me think they sabotage consumers credit intentionally. I have a credit card with XXXX that is not over the limit and the payments are up to date. The Equifax is reporting that my credit card is over the limit and 120 days past due, this is a flat out lie. Again, I ask why are n't the other credit reporting agencies reporting this nonsense, no one is reporting this but Equifax. My next step is to file a lawsuit against Equifax for intentionally reporting incorrect information. After they reported this incorrect information this caused my credit score to drop XXXX-XXXX points. I have documentation showing this credit card IS NOT behind and its not 120 days past due! I am sick of incorrect information being reported by this bureau. I want my credit report corrected today!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
A charge of XXXX Not For an XXXX is reflecting inside of my background and it shows XXXX next to this offense. This charge was dismissed and should not reflect inside of my background.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
I am in a continual modification with Seterus. On XXXX I had spoke to XXXX at XXXX and he stated that he could n't tell me anything about my modification because I was being represented by legal counsel. I told him that I sent you information on this last XXXX that I was not represented by legal counsel. He told me that he has no documents and told me to send it again. I asked him to tell me exactly how does he wanted spelled out. " No longer being represented by legal authority counsel. Remove counsel on file. '' It was faxed to them on XXXX. On XXXX/XXXX/XXXX I spoke with XXXX XXXX and he told me that the fax was showing in their system. On XXXX I spoke with XXXX XXXX and she confirmed my modification has been set for trial payments of 3-4 starting XXXX XXXX. I paid her XXXX & XXXX in the amount of {$840.00} for each month. I called and paid XXXX with no problem. When I called for the XXXX payment, XXXX XXXX, they took my monthly payment and told me congratulations the modification has gone through for {$840.00} a month. Then she put me on hold, came back and told me that she ca n't proceed anymore because I 'm being represented by an attorney. She also told me that their attorney, XXXX needed to be contacted by me before XXXX XXXX with signed documentation. I also need to send Seterus a letter stating that I am not represented by legal counsel and that she did not have any documentation of my fax from XXXX. 
The last time I paid my 4th payment in the modification process, they told me I was in default and had to start the process all over again. That was in XXXX. I paid close to {$4000.00} then. They are unorganized and each time I talk to someone at Seterus they tell me something different from the last person. Frustrated. I feel like I 'm being taking advantage of their mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I like to inform you that these items on my credit report should be removed. Because I do n't owe any balances to the company. I never open a secured credit card with XXXX. I am going to provide the letter from XXXX that proves I never open the account. At this time I like for you to remove them from my credit report to reflect my true accurate credit report. So, that my true character will be shown to my current creditor and other creditors whom inquire about my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
EQUIFAX HAS NOT UPDATED MY XXXX XXXX LINE OF CREDIT ACCOUNT WITH A CREDIT LIMIT OF XXXX TO REFLECT A ZERO BALANCE AND ZERO MONTHLY PAYMENT. ****************THEY CAN NOT DISPUTE ACCOUNT AS MORTGAGE COMPANY DOES NOT ALLOW ANY DISPUTES ON ANY TRADE LINES ON ANY CREDIT BUREAUS***************** THEY NEED TO PICK UP THE PHONE AND CALL XXXX XXXX XXXX XXXX DIRECTLY! IF EQUIFAX JUST OPENS UP ANOTHER DISPUTE, THEY WILL CAUSE EVEN FURTHER MASSIVE PROBLEMS AS THERE CAN NOT BE ANY DISPUTES ON MY CREDIT REPORT AND BESIDES THAT, IT WOULD TAKE 30 DAYS. TIME IS OF THE ESSENCE***** THEY NEED TO PICK UP THE PHONE AND MANUALLY REMOVE THIS BALANCE. 

I SENT IN A LETTER FROM XXXX STATING THIS ACCOUNT WAS PAID OFF AND EQUIFAX TOLD ME IT WOULD TAKE 24-48 HOURS TO UPDATE AND IT HAS BEEN OVER 2 WEEKS! EQUIFAX SIMPLY CAN NOT DELAY THE PROCESS ANY LONGER. 

I AM CLOSING ON A MORTAGE ON XXXX/XXXX/2015 AND THIS MUST SHOW UP AND PAID IN FULL AND ZERO CURRENT BALANCE ASAP.

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: NM

Complaint narrative:
Equifax is not responding to my requests to investigate and remove one account from my credit report that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Accounts using name XXXX XXXX and XXXX XXXX XXXX, I have no middle name, also addresses I know nothing of

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
We have XXXX mortgage accounts with the same company which misapplied the payment for XXXX account to the other making the payment late. When we ask for a correction XXXX payments was put into an expense account, not crediting either account making the payments late and reporting it to the credit bureau. XXXX account we 've had for 11 years and the other for 9 years and have never been late on either XXXX. The problem started back in XXXX and have not been totally corrected as of this month and it 's now XXXX. We are still receiving calls from them stating that our payments are late although they have received payment and the checks have been cleared. How do we stop the harassment and get our credit back to the way it was?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: CORELOGIC INC
State: CA

Complaint narrative:
There are hard credit inquiries on my report I did n't authorize.

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 2016-06-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I had a bill from XXXX hospital that insurance was supposed to pay. After communications back an forth and it going to collections XXXX found out it was a mistake on their part. They had it erasedone from my credit but in the process erased everything I had earned and worked for. Ex : on time payments length of credit number of loans etc. So I had to essentially start over which was never the agreed plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
There is an account no companies name listed # XXXX which I do not owe on any medical debt this is a mistake and needs to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
hi, i just check my credit report 2 days ago From Equifax and i find a collection charge in the amount of XXXX dollars, From '' XXXX XXXX XXXX '' this charge does not belong to me and also an account from XXXX XXXX does n't belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-29 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
I was just hired on to a job. When my employer did my background check, they said that my social security number was tied to another name! I went online to the annual credit report website to get my credit reports, but I was n't able to even view them because it said there was discrepencies with my social security number! I need to get my credit report so that I can view it in order to file a police report!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Security National Automotive Acceptance
State: SC

Complaint narrative:
I got a vehicle loan in XXXX from Security National Automotive Acceptance. I had been in contact with this company in XXXX to come pick the car up because it was not working. I was told through email " the car is not worth the pick up value. '' I got out the military and moved back to XXXX where I have been living and working. I was notified on XXXX XXXX that my wages from my job at XXXX would be garnished. I called the payroll department because I could n't understand why my wages were being garnished for a loan I had 10 yrs ago. I was informed by the payroll specialist that " the garnishment is illegal because you live in XXXX and under federal law XXXX residents are not subject to creditor wage garnishments. '' The payroll specialist also informed me that she had to " code it AS IF it were a student loan to force it through. '' I am asking for help with this matter because not only is this debt 10 years old but I no longer have the car and I also tried to give the car bad years ago.

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 2016-04-29 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I Just called Equifax Office on Phone # XXXX and spoke with a rep IN THE CONSUMER RELATION DEPT BY THE NAME OF XXXX XXXX SHE ADVISED ME THAT THEY DO NOT SEND OUT THE ORIGINAL CONSUMER CFPB PLEASE TAKE NOTE OF THIS AND I WAS ON A RECORDING LINE AND COULD FORWARD YOU WHAT EXACTLY WHAT SHE SAID CFPB THIS IS A SERIOUS VILATION OF THE FEDERAL LAW ... PLEASE INVESTIGATE THIS COMPANY A BUNCH OF CROOKS

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax has blocked my credit score and are not reporting it to third party despite the fact that I have given them authorization. This is causing me to pay an additional 0.25 % on my mortgage. When I called them they were unable to explain why there was freeze on my score and said they need bunch of documents and 48 hours to lift the freeze. All this is going to cost me a lot in terms of APR on my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Case XXXX is now 30 days old. I have recieved no correspondence at all from Equifax since the last response here. 

Equifax stated they would contact me with investigation results within 30 days. They have not. This is a violation and non compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax continues to lie regarding the credibility of their investigations including but not limited to a collection account from XXXX XXXX. On top of that have frequently re inserted negative information already deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have requested for Equifax to provide me on how they verified information on my report. I asked the following : Who did you talk to at the original credit grantor? Did you write them? Was a XXXX form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. I asked for them to not provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. 
And they keep sending the same response with no supporting documents or answers to my requests. No one is reviewing my file, and they must have some type of automated computer generated system in place that is managing these files. It is a crime and I need help with this?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have requested on several occasions for the agency to please validate a bankruptcy judgement information reported on my account and provide me with copies of any documentation associated with this account, bearing my signature. This information should be supplied within 30 days. They refuse to provide me with the information of how they are verifying this to be my account as will as I requested the name address, phone number and person whom verified this account to be mine and nothing has been provided by the agency.I have called the agency to only be rude to my the staff of this agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
My Mortgage company will not process a loan payoff request. It has been 10 phone calls and 3 weeks to try to get this info. I am convinced they are milking days of interest for this. I was supposed to close on a re-fi on XX/XX/XXXX and I am now calling them again with no resolve

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21 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:
My name XXXX . XXXX XXXX. I had a tax lien on my credit. The attached documents show that the debt is settled and I have a XXXX balance. 
I contacted the XXXX major Credit bureaus, Equifax , XXXX, XXXX with the attached documents but they validated the accounts as being unpaid. 
I also contacted the California Franchise tax board the asking them to contact the bureaus letting know my account was current. I was told that, that is NOT a procedure they do. They also informed me because privacy act laws they do not correspond with any third parties. My question is how could the XXXX bureaus legally, and thoroughly validate the account, if they have not spoken to anyone?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: PA

Complaint narrative:
Since XXXX of XXXX I have been trying to get an exact amount to bring my mortgage with XXXX current. I spoke with the rep and asked her for the total amount to bring the account current. Paid that amount and continued to make the monthly payments in XXXX & in XXXX. I mailed both these payments to them with old copies of statements since I had not received any statements from them. Called on XXXX XXXX to make the XXXX payment over the phone & spoke with XXXX XXXX, who informed me that I was running XXXX month behind and owed XXXX & XXXX for XXXX of {$2400.00}, which included late fees and some other fees for having someone verify that the property was lived in. They refused to waive those, so I made a payment of {$1200.00}. My regular payment is {$1100.00} plus {$33.00} for each late fee past XXXX. So I was told by XXXX that the balance for XXXX would be {$1200.00} plus the {$1100.00} for the XXXX payment. This total would be {$2300.00}. Called XXXX XXXX to make payment for XXXX for {$1200.00} spoke with XXXX who confirmed a balance of {$1100.00} due for XXXX. Called and spoke with XXXX who took the XXXX payment for {$1100.00}. I asked what was due for XXXX and was told that since we had been paying extra, the amount due for XXXX was {$870.00} plus {$33.00} late charge, for total of XXXX. Called XXXX XXXX to make the XXXX payment and spoke with XXXX XXXX. I made a payment of {$1100.00} after verifying with him that we needed to pay {$900.00} for XXXX. He stated that the additional {$200.00} would be applied towards the XXXX ember payment. I called today to inquire about the statements and to request some type of correspondence showing what was due for XXXX and spoke with XXXX XXXX. Back in XXXX we filed XXXX XXXX '' bankruptcy and it was discharged in XXXX XXXX. According to XXXX they had no such documentation stating the discharge and she would have to check it. After a long hold, she said that " nothing showed pending ''???, so I imagine she confirmed it. I asked what the amount due for XXXX was and was told {$1.00}. I asked why so much and what happened to the extra {$200.00} that I had been told would be applied towards XXXX and was told that the {$200.00} was in a " suspense account '' and that it would be used towards whatever fees I had owing on the account. I asked for an itemization of the payments, late fees, etc and was told that nothing would be mailed to me because we had filed bankruptcy. Even though it had been discharged, just because we had filed it, it did not entitle us to receive any type of statement. She went as far as to say that even if I submitted the request in writing, it would be denied. So we are pretty much at their mercy and they can continue to charge me fees that I do n't know what they are for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
In XXXX of XXXX, I was approved for a {$600.00} personal loan by the XXXX XXXX XXXX XXXX of XXXX, NJ. I paid the loan off in XXXX of XXXX, the final payment being a little over XXXX days past-due. That is how the account was reflected in my credit reports, until XXXX of XXXX, when all of a sudden, it started showing I was past-due XXXX days. The dispute number I cited above, which was for a dispute with Equifax, is one of several disputed I have submitted since I discovered this on my credit report. Each dispute has been to NO AVAIL. The continue to report the offending information and I keep hearing the same excuses from the credit union and the credit bureaus. The credit union says they took the necessary steps to remove the item and the credit bureaus INSIST that they only report what the credit union submits to them. I do n't know who to believe. By now, I am thoroughly frustrated with this highly impersonal and anti-consumer process, which has proven to me how powerless we are in situation like this. I need someone to SUPERVISE the provess, on BOTH ends, so this can finally be resolved. This has affected my ability to get cheaper credit, apply for work, or apply for an apartment rental. I am appealing to you as a last effort before I seek legal representation, although I feel I should n't have to. THIS IS A STRAIGHFORWARD CASE. What they are reporting is INCORRECT, and is damaging my credit score by approximately XXXX points!! Please investigate this and help me resolve this.

Company response to consumer: Closed with explanation