vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: TN

Complaint narrative:
My wife and I was paying our monthly mortgage payment to Seterus, Seterus stopped accepting our mortgage payments. We requested a mortgage modification with Seterus mortgage XX/XX/XXXX and on XXXX other times, they have refused to work with us. Seterus has taken our money and they have set several property foreclosure sale dates. We are still in the property and want to keep our home. The Making Home Affordable Modification Law is suppose to help people like me. I spoke with Seterus Foreclosure Attorney XXXX XXXX he said to me and my wife he was going to take my house and he and the mortgage company Seterus was not going to let me keep my house. There is a property foreclosure sale date set for XX/XX/XXXX. A thirty day notice was to be sent to me and my wife that is required by Tennessee Law I did not receive a 30 day notice. It is a Class C misdemeanor not to give a 30 day notice per XXXX Tennessee XXXX. 
Please help me to keep my home. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I filed dispute with Equifax do to XXXX reporting an account that was with XXXX. I disputed charges via pay pal and was refunded full amount after a lengthy investigation. The company had 60 day for final response and did not do so. I have requested for this to be removed from my credit report and provided proof of refund to Equifax , XXXX and also XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
Social Security Payment Center in XXXX " Stalled '' in Paying my Back-Pay in a Regulated ( 90 ) Days of ( 90-90-90 ) Days. Instead of, Returning to College in XXXX, I was Forced in a Late Start at College in XXXX where as, I was Frauded and Scamed of an Apartment that had XXXX. XXXX XXXX as, XXXX XXXX XXXX would not. move my Apartment nor, Break the Lease. My Credit Report reflects Frauding in a # of Accounts attached to National Accounts, Public Records, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX as well as, Creditors and their Promotional Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Please note that XXXX did adjust the incorrect issue, however they continue to add phone numbers on my personal information that are not and never have been mine. The following telephone numbers I have asked to be removed and they have not done this. They are in Texas XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. In regards to XXXX they correctly placed me on a 7 year fraud alert, then the following month, placed me on a reduced 90 day fraud alert, why they did this I do not know, but this is incorrect, I should remain on the 7 year fraud alert. I have recieved confirmation from XXXX, and XXXX I never received any confirmation from Equifax on the status of the 7 year fraud alert.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Approximately Mid XX/XX/2016 I attempted to purchase a vehicle. The dealer ran a Equifax credit report and the dealer reported back the credit score was unavailable because I was reported deceased. I attempted to contact Equifax by direct phone call and was unsuccessful. I utilized their required on line request for a report based on a contested report and received a report that my file could not be opened. I then requested one by mail and included the required fee in an attempt to repair the error and included a copy of my drivers license and social security card as requested on the form in early XXXX. I shortly again received another form letter again stating the report is unavailable. The document they returned again only included the same automated help lines that I started with giving me no additional resources to try and attempt to repair this major error in their files. I also attempted to get credit for XXXX for my XXXX and XXXX husband and was again refused due to this grievous error in their reporting system. I in the mean time went to a social security office and they still list me in a living state so I am completely unaware where Equifax started this error. I personally have XXXX and the inability to purchase a car for transportation and XXXX for my XXXX and XXXX husband are making it difficult to maintain our jobs without extreme difficulty.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
In XXXX 2015 I requested my annual free credit reports, sent in a copy of my driver 's license and social security card but have only received a copy of my credit report from Equifax last week. I sent several emails but have not received credit reports from XXXX and XXXX. 
Equifax continues to add several addresses that are incorrect ( lived at the same address for the past 26 years ) to my report, account numbers and year acct open have been changed and information over nine years remain on my report. This is the same complaint I filed against all three bureaus but still experiencing the same problems today.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
When I get my credit report on XXXX, after I entered my information and the report has someone else 's credit report such as XXXX XXXX or some other loan. I 'm an XXXX and I came to US from XXXX 2013. I only have XXXX cards these years and never use loans or other cards.So it 's definitely not me. Today I applied for an XXXX card and would like to see my credit history and I found that problem. So may I ask someone to help me check my credit report and fix it? Thank you so much in advance.

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 — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have disputed and disputed with Equiafax the inq are wrong i dis not allow a car dealer ship and paydayloans run my credit the inquiries are all of them I also have identity alert and fraud alert on my credit information they have the wrong social and address them out of inquiries everything I have disputed up and goes happen nothing is coming up also certain accounts are not mad like the medical XXXX I 've had insurance for fpur years

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Through a credit monitoring agency, I received a notice that a hard inquiry was placed in my Equifax credit report by XXXX XXXX XXXX on XXXX/XXXX/2016. Someone used my SSN to order XXXX cell phones. After contacting XXXX XXXX XXXX Fraud Center on XXXX/XXXX/2016, they confirmed I did not make the purchases and that XXXX unfortunately had already delivered the phones earlier that day to my previous address, a house that was empty. I had filed a credit dispute with Equifax on XXXX/XXXX/2016. Today, XXXX/XXXX/2016, I checked on the status of my dispute and Equifax states that the hard inquiry will remain in my credit report, even though XXXX XXXX XXXX admitted that the inquiry was fraudulent. How is it that Equifax will not exonerate an identity theft victim? What can I do to have the incorrect inquiry removed from my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax has taken longer than 30 days to complete an investigation. The XXXX and myself have made several contact to XXXX - and we have received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-12 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax said it did not share data with other credit reporting companies and data was secure, however Equifax shared data on my and my wife 's file, and that information caused us to get turned down TWICE from a credit union for a loan. Equifax did not have the information and bought it from XXXX, this violates the FCRA regarding information privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX IS SHOWING ON MY CREDIT REPORT AT A CREDIT CARD WITH A LIMIT OF {$1300.00}. I HAVE NEVER GIVEN THEM PERMISSION TO ACCESS MY CREDIT TO MY KNOWLEDGE. I WAD DECEIVED INTO ALLOWING THIS COMPANY THAT I THOUGTHT WAS AN ACTUAL STUDENT LOAN COMPANY CHARGE ME {$1300.00}. APPARENTLY XXXX USES XXXX TO RECEIVE PAYMENTS ON THE COMPANY BEHALF. ACCORDING TO XXXX THEY LOANED ME {$1300.00} TO PAY XXXX TO SUBMIT AN APPLICATION TO THE DEPARTMENT OF EDUCATIONS STUDENT LOAN FORGIVENESS PROGRAM. IT IS SHOWING THAT I HAVE USED 89 % OF THE CREDIT LIMIT WHICH HAS NEGATIVELY AFFECTED MY CREDIT. I WOULD LIKE THIS ITEM REMOVED BECAUSE I DO NOT RECALL ELECTRONICALL SIGNING ANYTHING STATING THAT THIS WAS OK. THEY ARE CHARGING ME {$49.00} A MONTH UNTIL THAT {$1300.00} IS PAID OFF.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have several accounts that are reporting on my report incorrectly 1 XXXX has me listed as late never late XXXX XXXX fraud late not mine never late 3XXXX XXXX not mine fraud 4 XXXX fraud not mine 5 bankruptcy not mine must be mixed file

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.

Complaint narrative:
It appears my ex husband whom I got divorced from XX/XX/XXXX has been taking out credit in my name. I have been living back in XXXX since XX/XX/XXXX so I have not taken out a mortgage, store card or bank card in the U.S.A. in that time and yet Equifax wants information on all these types of loans to verify my identity for a free yearly credit report. 

Your VerificationNow we just need to make sure that you are really you. These questions are based on information in your file, and only you should know the answers to them. 

Your credit file indicates you may have a mortgage loan. Who is the credit provider for this account? 
XXXX XXXX XXXX, XXXX. 
XXXX XXXX & XXXX XXXX OF THE ABOVEWhat is the total monthly payment for the above-referenced account? 
{$670.00} - {$770.00} {$770.00} - {$870.00} {$870.00} - {$970.00} {$970.00} - $ XXXXNONE OF THE ABOVEYour credit file indicates you may have a retail card, opened in or around XXXX XXXX Who is the credit provider for this account? 
XXXX, XXXX, INCNONE OF THE ABOVEYour credit file indicates you may have a bank card, opened in or around XXXX XXXX Who is the credit provider for this account? 
XXXX XXXX XXXX XXXXNONE OF THE ABOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I had a XXXX credit card opened in XXXX with a/c # XXXX I had a job lay off in XXXX and a foreclosure because of that in XXXX. I was working with an attorney and somehow i was given wrong information at that time and i added the credit card account also part of the process. It was charged off in XXXX. Based on understanding from previous research, XXXX settled with Federal govt. and agreed not to proceed with any further collection efforts. I was sent a XXXX and balance of XXXX was reported as income and i paid tax on this amount. However, XXXX is still reporting this to credit agencies as Amount due, and the current balance is showing as XXXX I have been trying to contact XXXX multiple time and have been forwarded to different groups and call centers without resolution. Here are the details below for the calls today XXXX/XXXX/XXXX, after i got the latest update from Equifax that, XXXX verified the past due amount on XXXX/XXXX/XXXX as XXXX Called XXXX at the no given by the Credit Agency - Equifax as the contact details XXXX, DE-XXXX XXXX Was asked to contact - XXXX Talked with XXXX XXXX ( ID ) Confirmed the a/c no is XXXX Got transferred to XXXX XXXX ( ID ) Was advised to contact XXXX XXXX XXXX She transferred me to XXXX XXXX ( ID ) She advised to contact XXXX XXXX XXXX Got disconnected Please find aatached the XXXX form from XXXX. Kindly help

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
It 's concerning the XXXX auto payment closed XXXX of 2008. We paid that bill in full after the car was totaled by the insurance company- XXXX XXXX XXXX There should not be anything derogatory concerning this account. We were never late on payments and they received the total due in XXXX of 2008. I would like this negative mark removed from my credit report. Please check with XXXX to confirm. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
On or around XXXX I discovered than XXXX XXXX Bank has the wrong date on file for my bankruptcy. The account is closed but my dates were not properly updated with the records they have it reported as being charged off XXXX of XXXX when it should be XXXX XXXX almost 10 ago and not 5 years ago. The XXXX XXXX account was the whole bankruptcy case. There is a serious and obvious error please delete this account from my report it is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Please see that Equifax has merged some old information to my credit report. I have attached to XXXX credit reports. The XXXX from XXXX is the correct report and the XXXX from XXXX is incorrect. Now, they from XXXX has my name listed as " XXXX XXXX XXXX '', which is correct and on " ALL '' my reports from Equifax come with that name displayed. 
The report you see on XXXX has " XXXX XXXX XXXX '' and the many negative accounts have been added to that process. Equifax has totally destroyed my credit profile by account XXXX negative account, changing payments history, modification of inquires and revolving credit line. This was brought to my attention because an alerted popped up stating Equifax has a new address for me and I have not moved ... That 's when I saw the chaonges of the name and credit report. 

Please " see the latest letter from Equifax attached with the name XXXX XXXX XXXX '' and not " XXXX XXXX XXXX ... '' I DEMAND EQUIFAX RESOLVE THIS ISSUE ASAP OR A LAW SUIT WILL FILED! As I proivded the proof and found the problem with the report. My file should look as it was on XXXX. 

Please take more then 5 mins to view this information and you see the problem. Reference CFPB # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Around XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX took over our home loan from another bank. The loan is now paid off but during that time we were having problems with the all the time. Problems such as we set up electronic payment and were advised AFTER-via late payment notice, that electronic payments were n't authorized. Then when we sent payment in by check, we received another late payment because they increased the amount without telling us so our payment was short. They told us they would clear all late notices and we would send in the difference which was {$37.00}. Yesterday I had a background investigation interview and was asked what the late payment to XXXX was about which was dated XX/XX/XXXX. We have no idea what that is about and I called them and they told me that they do n't show any late payments on our account. I would have to send in this problem via fax before they can investigate. Go ahead and XXXX XXXX and see all the unhappy reviews about them and see how many are just like mine. They are a very disorganized company and should not be in the home loan business.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Lists an address in VA that I 've never lived.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Seterus, Inc.
State: LA

Complaint narrative:
I HAVE AN ACCOUNT THAT IS FRAUDULENT WITH YOUR COMPANY THAT NEEDS TO BE RESOLVED IT IS REPORTING ALLTHOUGH IT WAS CREATED AS A RESULT OF MY IDENTITY BEING STOLEN THIS ACCOUNT IS NOT RECOGNIZED.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I filed for chapter XXXX bankruptcy in XXXX but the confirmation was denied and the case was dismissed. I recently confirmed that the Bankruptcy public record was removed from my XXXX and XXXX credit reports but not from Equifax. I submitted numerous online disputes which returned as being reported correctly. I called Equifax to find out why the public record was not removed as were XXXX and XXXX. I was told that Equifax does not report according to what is on the other major credit reporting bureaus. Equifax insisted that the public record will remain on my report until XXXX. I have suffered much hardships due to my credit report over the years. It has been a long road to recovery for me over the years in reestablishing my credit. I am pleading with CFPB to assist me in clearing this public record from my personal credit report so that i can move on with my life. 
Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 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:
EQUIFAX , after investigation is incompetently reporting inaccurate information on XXXX XXXX ACCOUNT XXXX XXXXEquifax verified false and damaging information, contrary to THE FCRA, ACCORDING TO THE ATTACHED REPORT. 
IT IS OBVIOUS, ON THE FACE OF THE RECORD THAT AN ACCOUNT CAN NOT HAVE A CURRENT STATUS OF 120 DAYS LATE, IN ADDITION COMMENTS THAT IT IS 180 DAYS LATE WHILE AT THE SAME TIME REPORTING A PAYMENT OF {$3800.00} PAID IN XXXX OF 2011 AND THAT THAT ACCOUNT WAS PAID AND CLOSED BY MAKING THAT PAYMENT OVER 5 YEARS AGO. 
THE STATUS OF THE ACCOUNT IS PAID.DUE TO THE INTENTIONAL FABRICATION OF FURNISHER AND BUREAU AND THE FACT THAT I HAVE ALREADY ENDURED AN INVESTIGATION THIS ACCOUNT MUST BE DELETED ACCORDING TO FCRA. 
THE FACT THAT IT IS A PAID STUDENT LOAN SHOULD HELP IN THE COURTROOM TO OBTAIN DAMAGES FROM BOTH EQUIFAX AND THE FURNISHER ( A GOVT.PROGRAM LOAN ADMINISTERED BY PRIVATE BANKING. )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a hard inquiry from XXXX I believe it 's XXXX I have never applied for XXXX or gave them any info of mine. I called XXXX and they have no records of me having an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-26 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: NY

Complaint narrative:
XXXX transfered my service after I finally got a fee removed that was waived in XXXX. It took nearly two years of arguing back and forth. Now Seterus has my loan staring XX/XX/XXXX. Once again they are not only recharging same fee but added house preservation fees. XXXX fees XXXX for XXXX and ond for XXXX. They have me as asking for modification which I did not. I have no access to my loan. They have hung up on me serveral times. XX/XX/XXXX I called and the automated line said it was temporarily closed? They say they removed my request for mod? I never said I was in a hardship. And my modification incentives are not found. All fees are for sMe date XX/XX/XXXX. I had a previos complaint with XXXX on tnis site for same issue. This fee is on my loan tax form as waived. I contacted XXXX and they said it should not be ghis fee was waived on there records when loan was transfered. Three years of ongoing problems. I think there trying to push me out of my modification.

Company response to consumer: Closed with explanation