vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: MO

Complaint narrative:
On XXXX I sent a letter requesting information about a loan payment increase due to an escrow shortage. But, I my pmts were misapplied as mortgage pmts and I dont have a shortage. I also asked about my pmt history report. The company said the have 60 business days to respond, but have not and I have applied for a HARP loan that can not move forward until I get these issues resolved. They keep telling me they escalated the issue, then at end of the 12 weeks, I get a letter stating they need more time. But, 60 business days equals 90 calendar days and I still have to pay the aditional fee for the shortage, can not get my HARP refinance, and cannit get anyone to explain why it is taking so long to send the information requested and fix an escrow pmt error.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Replacement information for case number XXXX On XXXX/XXXX/2016 I requested validation of a bankruptcy on my credit report reference numbers XXXX Bankruptcy Chapter XXXX, XXXX Bankruptcy Chapter XXXX, and XXXX Bankruptcy Chapter XXXX, providing me with any viable evidence bearing my signature submitted by United States Bankruptcy Court to validate this bankruptcy. Equifax failed to provide me with validation and only provided me with a letter stating that it was verified. An employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt or public record. 

I placed a security freeze on my personal public information with XXXX on XXXX/XXXX/2016 and XXXX verified that the freeze was placed on the on XXXX. The representative XXXX stated that no one has requested my information and it is not showing in their system that anyone has requested my information. However according to the results of the disputes that I placed with Equifax they are listed on the report as verified. I contacted Equifax and Equifax claims that XXXX sent them paperwork to verify that the public records are mine. The Equifax representation stated that it was verified on XXXX/XXXX/2016. This is a great concern to me because my rights have now been violated by Equifax or even XXXX.

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

Complaint narrative:
I recently disputed XXXX XXXX XXXX XXXX for XXXX XXXX XXXX stating I applied for something on XXXX/XXXX/2016 and I did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax continues to report an inaccurate account status on a closed XXXX XXXX revolving account ( XXXX ). As of XXXX/XXXX/XXXX this debt was cancelled by XXXX and reported to the IRS as income. The account status that Equifax is reporting does not reflect that the account is closed and paid in full without a remaining balance. I have been disputing this inaccurate information since XXXX/XXXX/XXXX and Equifax has failed to update with the correct information or delete the account since it 's closed and outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I keep having issues when trying to apply for things because they say my name and address dont match, or my name and social security number dont match. I tried online to fix this with Equifax and they dont allow me access and I cant get someone on the phone. They asked me to fax documents to a number which I did and still nothing has been updated. 
This is causing me alot of problems getting credit because people think that Im a fraud and Im trying to get a home equity loan now. I really need this fixed. I moved and bought a home in XXXX. I changed my address with the XXXX and the postal service so I dont know what the issue is?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 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 accounts that do not belong to me from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
XX/XX/XXXX I made arrangements with XXXX that I would make smaller monthly payments due to financial strain and could not make the enormous monthly payments that they requested but I would make my payments, on time every month ( which I did ). I was surprised to learn that XXXX turned my account over to a collection agency ( XXXX XXXX ) who demanded the balance be paid in full. I spoke with a representative from XXXX and she stated I could make monthly payments which I did. I was later notified by XXXX that the balance needed to be paid in full or it would reflect negative on my credit report. I sent a check for the remaining balance and the account was closed in late XX/XX/XXXX. I recently checked my credit report and discovered that my credit rating dropped from the XXXX 's down to XXXX. I do n't understand why this account was ever turned over to a collection agency when I was making monthly payments on time. I am requesting that this be investigated and removed from my credit report. The status on the collection charge shows ... Status- " Paid, closed ''. Why am I being punished for an account that was being paid ( on time ) and now reflects my credit report as " negative ''?

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 report or credit score
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have had nothing but denials from Eqifax , Inc. attempting to dispute credit information on their dispute website. Each time I try to identify myself, on their automated system, it will ask ridiculous questions regarding credit information. I answer the questions correctly. Each time it indicates it can not " identify me ''. Here is an excerpt from their page. 
" Great! We 've found your fileNow we just need to verify you are accessing your own file. The following questions are based on information on your file, and only you should know the answers to them. 
1. Your credit file indicates you may have an auto loan/lease, opened in or around XXXX XXXX Who is the credit provider for this account? 
XXXX XXXX OF THE ABOVE2. What is the total monthly payment for the above-referenced account? 
{$800.00} - {$840.00} {$850.00} - {$890.00} {$900.00} - {$940.00} {$950.00} - $ XXXXNONE OF THE ABOVE3. Your credit file indicates you may have an installment account ( personal loans, electronic/appliance accounts, jeweler accounts, auto loans, etc. ), opened in or around XXXX XXXX Who is the credit provider for this account? 
XXXX OF THE ABOVE4. What is the total monthly payment for the above-referenced account? 
{$750.00} - {$790.00} {$800.00} - {$840.00} {$850.00} - {$890.00} {$900.00} - $ XXXXNONE OF THE ABOVE '' I answer all of the questions correctly. I have gone through this process XXXX separate times. 
Each time I get the following message : '' The information you provided does not match our records so we are unable to process your request online. " " Please FAX your dispute and a copy of your driver 's license to XXXX XXXX. " Equifax HAS this information ON FILE. This was completed several months ago. It was explained to me it would never happen again. They admitted they had transposed my social security number. Equifax should be held accountable for their egregious business practices. Any assistance with this matter would be greatly appreciated.

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 — Public record
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I filed for bankruptcy and it was reported XX/XX/2009. I thought negative items stay on the report for 7 years. This is not being reported by the other agencies. I am requesting that this be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax deleted fraudulent, false data from XXXX XXXX because it was n't my debt and they agreed to it. Additionally, they are now reporting a debt from XXXX XXXX {$480.00} that does n't belong to me and the creditor refused to " verify ''. Finally, I have had XXXX hard credit pulls in 2015 and it 's illegal to report inquiries that are not mine and do not constitute fair use. I should n't have any 2015 credit inquiries and these debts that are not mine need to be taken off my report. This is harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have shown proof to EquiFax and XXXX about my XXXX XXXX account that this collections account is not my responsibility. That aside, I disputed the XXXX XXXX account 2 years ago with EquiFax and after 30 days it was never removed and it has sat in " dispute '' for 2 years even though it was suppose to be removed after 30-45 days without proof from collector. I called EquiFax and told them it needed to be removed because it had been in dispute for 2 years. The woman at EquiFax said it was n't in dispute and it was just a comment on the account. I told her this " comment '' is keeping me from getting a mortgage loan. She said she would remove it. After removing this " comment '' my credit score dropped XXXX points. This proves that this account HAS been sitting in Dispute for 2 years or more and should be removed. Once the comment was removed it went back in collections and dropped my score tremendously! EquiFax is n't following the rules of disputes and it is effecting my credit score. I have contacted EquiFax by mail and by phone and have n't gotten anywhere with them. They claim that they ca n't do anything which makes no sense. They have a dispute department and the guidelines state that when an account is disputed the collector has 30 days to respond and if they do n't then the item is removed. This account sat in Dispute for 2 YEARS!!! It was never removed and now it has dropped my score XXXX points when they removed the dispute. I also have a student loan on my EquiFax report that is not my debt. I have never had a student loan and it was disputed the same time the XXXX wireless was disputed and it has sat in dispute for 2 years or more as well and should have been removed at this point. This account was never late and was paid off. So even though it is n't a negative account, it is n't mine. It needs to be removed. This student loan is STILL sitting in dispute at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I retrieved my annual Exquifax Credit Report on-line dated XXXX XXXX, 2016. Then I received another credit report in the mail dated XXXX XXXX, 2016. I reviewed the credit report and realized that XXXX Mortgage account was reported as " XXXX, XXXX, XXXX & XXXX with XXXX Days Past Due ''. I filed an on-line dispute that I have never been late on a XXXX Mortgage payment. I received the investigation results, dated XXXX XXXX, 2016. The report had the same delinquency. I called Equifax and requested another investigation, dispute # XXXX. I received an investigation results, dated XXXX XXXX, 2016, still had no correction. ( Both disputes investigation result reports are attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
THEY TOLD ME THEY DO NOT REMOVE THIS ON THE CREDIT REPORT WHEN MY ATTORNEY TOLD ME IT IS TO BE REMOVED IT IS OVER XXXX YEARS OLDTHEY ALSO SAID THEY WERE ADDING MY WORK HISTORY AND DID NOT. I AM SHOPPING FOR A CAR AND NEED THIS FIXED

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
After originally complaint was filed, more information was requested. It was faxed 6 times and every time we called they said they did not get it. I received my credit report in mail dated XX/XX/2016 ( Equifax Confirmation # XXXX ) and it is now WORSE THAN EVER!! My name has been completely removed from my own credit report. It has been change to someone and I do n't know who by the name of XXXX XXXX XXXX, XXXX. The Date of Birth is not mine. My address is XXXX XXXX XXXX address. THIS IS SO WRONG!!!!! I call to talk to people and NO one knows what is going on. I have submitted my SS card and my DL to confirm my identity, which is XXXX XXXX XXXX, XXXX. But they still say I am XXXX XXXX XXXX. HELP HELP HELP!!! HELP!!!!! I have no idea who this person is!!!! My health can not keep this going!!! I need someone to contact whoXXXX can fix this and fix it NOW!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
EQUIFAXXXXX XXXXACCOUNT SHOWING COLLECTION/ CHARGE OFF ( SHOULD BE UNKNOWN ) ACCOUNT WAS INCLUDED IN CHAPTER XXXX BANKRUPTCY FILED XX/XX/2015

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-23 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In XX/XX/2015 I started disputing this issues with XXXX and Equifaxfraud on my credit report. Equifax has not want to do anything aboutthis and in timely fashion. Finally I a letter from XXXX to me andstating sent letter also to Equifax to remove off my credit due to fraud. 
They said they had until XXXX/XXXX/2015 to remove it and as of today XX/XX/2015it is not removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I executed a qualified written request which was overnighted to Seterus by the United States Postal Service through Express Mail under tracking number XXXX on XX/XX/XXXX. It was received on XX/XX/XXXX. I requested a complete payment history. They acknowledged the request on XX/XX/XXXX and XX/XX/XXXX. I have heard nothing to date since then. I have enclosed a certification of amounts due regarding the foreclosure action. Seterus claims to be the servicer since XX/XX/XXXX, however, they are attempting to be reimbursed {$11000.00} for taxes they allegedly paid from XX/XX/XXXX to XX/XX/XXXX. Why is Seterus attempting to be reimbursed for taxes that were dispersed before they became a servicer? They are charging for {$630.00} for 44 inspections but failed to state when these inspections were done and what they encompassed. They claim I owe {$140000.00} in principal but failed to show how they came to this figure. There was a long forbearance agreement years ago which went on for months and months. How do I know if this was reflected in the current principal amount and interest due? How did they arrive at {$74000.00} for interest without a proper payment history? I dispute all of these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax is showing a XXXX account open for {$46000.00} but they sent a XXXX and wrote this off. Account balance should be XXXX. I have sent copies of the XXXX twice to Equifax. 
This was removed from my husband 's account but not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax kept me on the phone for 2 hours to get my report

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
For the last XXXX years since i graduated XXXX, i have not been able to receive a copy of my free annual credit report, or my credit score. I have not taken out any mortgage loans, but i have reason to believe someone has taken XXXX out in my name. The information i input into the system is not matching up with what the credit bureau has, even though my information is accurate. This leads me to believe there has been some fraud going on. I need to be able to look at my credit report to see what is on it. I am XXXX and can not get a credit card. I do n't want this to happen to any one else.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
online informed them that my XXXX daughter is incorrectly listed on my credit report but none of the agencies have responded to me in over 3 months

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent a recent dispute letter XX/XX/XXXX to the credit bureau about an item on credit report for the original creditor University XXXX XXXX Account. The dispute was initiated XX/XX/XXXX and the investigation was completed XX/XX/XXXX in the report number XXXX. I have previously sent in disputes as well disputing that I do not have an unsecured loan with University XXXX XXXX this account back in XX/XX/XXXX. I spoke to a supervisor today XX/XX/XXXX with Equifax dispute department by the name of XXXX XXXX ID : XXXX, I informed him that I sent a dispute in to dispute that I do not have a unsecured loan with University XXXX XXXX, but the dispute was sent in to dispute the balance. I did n't request that. XXXX told me that he see I requested for the dispute of the status of the account and where they disputed the wrong code to the company. He also stated that he see where I disputed the same issue back in XX/XX/XXXX and University XXXX XXXX verified that this account is an unsecured loan. I told the supervisor that is why I sent in another dispute because I have documentation from the creditor that is not an unsecured loan. I asked the supervisor, if I have documentation that this account is not a loan and the creditor keeps verifying it is, this is legal for them to report inaccurate information. The supervisor then told me that the company can report whatever they want ; we receive the information from the creditor. I do n't have an unsecured loan with University XXXX XXXX. According to the Fair Credit Reporting Act that the credit reporting agencies provide you in the credit report that is sent out in the mail. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. University XXXX XXXX did not verify that I have an unsecured loan with them. I called University XXXX XXXX XX/XX/XXXX at XXXX ext XXXX, spoke to a representative that stated the reason the credit report is showing Unsecured Loan is because they do n't have any other options to choose. The explanation that I was given of this action that has taken place on credit report is not my fault and supposed to be removed for reporting false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
Re : Evasion of FCRA by Equifax I requested my free annual report from Equifax on XXXX XXXX, XXXX. I provided all of the personal identification information requested, none of it has changed within the past 9 years, and all of it agrees with with what Equifax had on file at the time of their last disclosure ( on XXXX XXXX, XXXX ). More specifically, my mailing address has not changed in over 9 years and Equifax has exactly that address on file. 

I answered all of the security questions correctly. None of those questions were ambiguous. There is no possibility any of my answers could have been construed as " wrong '' and, indeed, they seem to have been accepted as correct. 

I got the following response : " We 're sorry, for your protection we are unable to deliver your Equifax Free Annual Credit Report online. '' Instead they demand I physically mail " Identity '' and " Address '' documents and that " The item you submit from the " Identity '' category MUST contain your Social Security Number and the item you submit from the " Address '' category MUST contain your current home mailing address. '' Interestingly, they have made the same demand in the past and I complied. So they already have exactly the documents they are requesting and already received them by US Mail. 
Again, my mailing address has not changed in over 9 years and Equifax has exactly that address on file. My social security number has never changed. And Equifax already has the documents they are requesting. 

It will take 2-3 weeks to obtain the report by mail ( from previous experience ). 

It appears Equifax would prefer I pay for a report or subscribe to their service to obtain XXXX electronically, and are evading the FCRA by making it as difficult and time-consuming as possible to obtain free annual disclosure. 

I want the report now because I plan to apply for credit next week. I will have to pay to see it this time. Please put an end to this evasion of the FCRA. Thank you.

Company response to consumer: Closed with explanation