vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : N/A XXXX XXXX XXXX XXXX {$440.00} COLL {$440.00} - {$440.00} - - - XXXX XXXX XXXX XXXX XXXX {$200.00} COLL {$200.00} - {$200.00} - - - XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, Equifax et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX

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

Complaint narrative:
I had applied for a mortgage loan and was denied and provided a copy of my credit report. To my surprise I found multiple accounts listed on my credit report that do not belong to me. I sent a letter certified mail to Equifax , which was delivered and signed for on XXXX/XXXX/2015, disputing the inaccuracies, primary a inaccurately reported judgement listed as XXXX is unacceptable that the items are still listed on there. The same items were disputed with XXXX and removed, due to the facts that they are not mine and were reported inaccurately. 
Equifax is directly and negatively affecting my ability to not get a home loan. I find it highly impossible that Equifax is reporting information correctly on me and others and this is unacceptable. There are numerous complaints listed on the XXXX website, this site as well as other sites and this seems to be a common complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
In 2007 I had discovered that there had been multiple accounts opened under my name or social security number. I filed a police report with the XXXX Police Department and notified the credit bureaus. Years passed and I was unable to have everything cleared up with the credit bureaus, however, life moved on and I just did n't have the time or patience to deal with it. Within the last year or so I discovered some more accounts that were unauthorized and I contacted XXXX, XXXX and Equifax. Fortunately XXXX and XXXX have corrected the errors, however, Equifax persists to retain information on my credit report that is not mine. I have made several attempts with supporting documents, so I have no choice but to file this complaint in an effort to clear my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-02 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: WA

Complaint narrative:
On XXXX XXXX I made my typical mortgage payment online which was on auto pay for {$700.00} though my bank. In XXXX I received a letter stating that my payment was in suspense and that a late charge had been assessed for not making my payment on time. When I researched this, I found that my payment had increased in XXXX 2015 to {$780.00}. I immediately called the main office and paid the delinquent amount of {$86.00}. At this time I also found out they did not have an accurate phone number for me as well, which I have updated. 
I pride myself on paying my bills on time and this was an oversight on my part. I understand the importance of this issue and I should have paid more attention to the statement. 
I 'm currently in the process of refinancing my primary residence and the late reporting has crushed my credit report to the point I no longer qualify. I am simply asking for a onetime retraction. I know this is not common, but have found out that many lenders have done this in certain circumstances. 
I have called several times and written correspondence asking for them to rectify the mistake. When I do call, I 'm not able to actually talk to someone that can make a decision. They say that there is no " customer facing '' person that I can talk to. The only communication that is allowed is through letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I can not see my Equifax credit report online. It keeps telling me to fax a dispute. I call Equifax and they are not being helpful at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I just filed a complaint against equifax because, after repeated attempts with no results to get my report changed, I contacted CFPB and filed a complaint. Thanks to your good work, Equifax now shows that I filed for bankruptcy in XXXX. They do n't show that my petition was also discharged in XXXX. Also, the date of reporting is currently listed as XXXX but I first sent this information directly to Equifax in XXXX so I 'd like my report to reflect that the bankruptcy was reported several times in XXXX. Without notice of discharge, my loan officer ca n't give me a better interest rate on my car note. I 'm trying really hard to reduce my monthly payments in order to make my expenses more manageable. I 've attached the notice of bankruptcy discharge.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is my 8th letter to all XXXX bureaus and I 'm making complaints against all XXXX of them. I notified them that if they did n't comply with the FCRA that i would make complaints so here I am. Equifax , specifically, is reporting late payments that i know to be incorrect and in XXXX, 1997 it specifically states that Congress says that the FCRA is in clear language that they need to reinvestigate and go beyond the original source of information to ascertain that the information they are receiving is complete and accurate. Congress also states that the only way they can legally verify something is with firsthand knowledge which means that they have to have the actual documentation that proves that i was late. So does that mean that they have the creditors ' bank statements to show when my payments were received? No, they do n't. So then how are they verifying this information? By using XXXX and parroting what the creditors say? That 's not legal verification! Do I have to take them to court? How are they going to prove it then? They 're not going to be able to do so and I will win and they will need to pay me for XXXX up my life, my credit, my finances, my income ; everything. Here is the information that i am disputing with Equifax : These items must be fixed : XXXX I NOTIFIED YOU THAT I WAS N'T LATE ON THIS ACCOUNT AND XXXX could n't even verify these lates and so they removed them and they are the most incompetent bureau between the XXXX of you, so why are n't you complying with the FCRA? Why do I have to go to these lengths just to get you to do your job? What 's wrong with you guys? Listen : I was n't late. I was n't late then, I 'm not late now, I was never late. Remove this immediately! 
XXXX I NOTIFIED YOU THAT I WAS N'T LATE ON THIS ACCOUNT AND XXXX could n't even verify these lates and so they removed them and they are the most incompetent bureau between the XXXX of you, so why are n't you complying with the FCRA? Why do I have to go to these lengths just to get you to do your job? What 's wrong with you guys? Listen : I was n't late. I was n't late then, I 'm not late now, I was never late. Remove this immediately! 
XXXX I NOTIFIED YOU THAT I WAS N'T LATE ON THIS ACCOUNT AND XXXX could n't even verify these lates and so they removed them and they are the most incompetent bureau between the XXXX of you, so why are n't you complying with the FCRA? Why do I have to go to these lengths just to get you to do your job? What 's wrong with you guys? Listen : I was n't late. I was n't late then, I 'm not late now, I was never late. Remove this immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: NM

Complaint narrative:
Our mortgage company, Seterus , Inc., misapplied a payment to escrow instead of to our loan balance. Despite numerous calls, this problem has not been corrected, our account is showing past due and late charges have been applied. A negative report has been sent to the credit bureaus resulting in a drop of almost XXXX points on our credit score. I have never missed a payment on this loan, and have never been late with a payment except when I was given incorrect information with regard to correcting this error on their part. This has been going on since XXXX 2015 and is still not corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX is not my address. I 've never lived in XXXX. 

My current address is XXXX XXXX XXXX XXXX, XXXX XXXX. I 've lived at this address for 10 yrs. please remove the XXXX address from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
Thank you for providing this service. I have gotten repeated calls with no message left from Transworld Systems about a debt owed to a doctor. Although I live now outside of the XXXX area code, they make repeated calls often more than once during the day from different XXXX area code numbers. When I questioned the account representative about this, he replied that they have only XXXX number which is not true. XXXX XXXX XXXX over a 5 minute! time span. And I have received five calls in three days. They repeatedly change numbers and do n't leave messages. I owe money. I understand that. They should leave a message and they should not lie. I appreciate your attention to this matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I am a victim of identity theft. Someone stole and used my personal information to apply and opened up the following unauthorized and fraudulent accounts : XXXX and XXXX. I been receiving harassing and threatening telephone calls, including death threats from representatives from XXXX and XXXX in regards to unauthorized and fraudulent accounts and debts that do n't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Credit Service Company, INC
State: WY

Complaint narrative:
On Thursday, XX/XX/XXXX, I listened to XXXX messages from XXXX ( a woman 's voice ) and XXXX ( a man 's voice ) with the exact message. " You have an important message from Credit Service Company. This is a call from a debt collector. '' When I called the first number, I was told my call was being recorded and then when I asked who they represented, they asked for my personal information. I informed the woman I was tape recording the call, she hung up. I called the second number and heard a recording that my call was being tape recorded, a man came on and I asked to speak to a manager. The man said, " You are in no position to ask to speak to a manager! '' I then told him, I was taping the call. The man stated, " That was impossible! '' When I said I was holding my cell phone to the receiver, he hung up! 
I looked on line for the company called Credit Service and called the number listed. The number has been disconnected. ( XXXX ) To my knowledge I have no outstanding debts and my credit is excellent. How do I find out in a safe manner if I do have an outstanding debt? Giving my SSN etc. to anyone especially on the phone etc. is not anything I am willing to do! 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: FIRST CITIZENS BANCSHARES, INC.
State: SC

Complaint narrative:
My cash back XXXX card did not credit me with the correct reward dollars I accumulated in XXXX. This card is issued through First Citizens Bank. I have been told that it is being " researched ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-31 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Performant Financial Corporation
State: AL

Complaint narrative:
I have disputed this debt from Diversified XXXX because I have no knowledge of this account. I have disputed this debt with the major credit bureaus and as a result, this collection was deleted from my account. I am still receiving threatening and harassing phone calls from this company on my cellular number, and they are also contacting my wife 's cell number and being very rude and menacing.

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 2016-12-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: United Military Mortgage, LLC
State: VA

Complaint narrative:
signed forms to lock in mortgage rate, then signed all formal contract forms for the mortgage with Low VA Rates, LLC, then told there is no longer any company to fund the mortgage due to rates have changed. I feel Low VA Rates should fund the mortgage until they can find a buyer for the mortgage as I do have a contract with them. I get to change my mind in 3 days of not accepting this loan but it has been greater than 3 days and I can find nothing in contract stating they can get out of the locked rate. They are proposing a higher rate mortgage.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Kentucky Housing Corporation
State: KY

Complaint narrative:
On XX/XX/2016 I contacted Ky Housing Corp my mortgage servicer of the VA/FHA mortgage I have on my home. I was contacting them seeking assistance based on my low income, XXXX, or veterans status, after a vehement conversation the Supervisor of a person named XXXX came to the phone. This person first states yes we service VA loans, but we do not do the HARP program for veterans but service VA loans, and also because you get help paying your mortgage by a subsidy you do not qualify to do HAMP application unless you drop your help making mortgage payment ; we can not help you from going into foreclosure status

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Van Ru Credit Corporation
State: WA

Complaint narrative:
I have been receiving numerous robo phone messages from VAN RUE CREDIT CORP at XXXX for months. These repeated voice messages clog my ability to retrieve regular phone messages. I have good credit and have never been notified of any outstanding debt. They should stop immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA
State: NY

Complaint narrative:
I am writing to express my dissatisfaction with American Education Services. I have been out of college since XX/XX/XXXX and have been making monthly loan payments since my deferment ended in XX/XX/XXXX. Never once have I been late with a payment. Additionally, I have a steady job as a high school teacher and adjunct professor in conjunction with great credit. However, every couple of months the interest on these loans increase. I have called American Education Services several times to discuss this issue, but they claim there is nothing that they can do. If the interest continues to increase every couple of months as it has been for the past year, I 'm afraid I will no longer be able to afford my monthly payments. Also, because the interest is so high, I have barely made a dent in paying off my remaining debt. According to my last statement, I have paid a total of {$7600.00}. However, {$5300.00} went towards the interest. That is just unfair. This is a pattern that I do not see ending, and it must. Otherwise, I will drown completely in debt along with many other college graduates. American Education Services must be stopped from committing such highway robbery. It is with great hope that CFPB will take action against American Education Services in order to allow college grads the opportunity to live debt-free.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Second Round Limited Partnership, Austin, TX Branch
State: CA

Complaint narrative:
I am writing to file an complaint against XXXX XXXX and Second Round, LP for : Failing to keep accurate tradeline on my credit report, Refusing to provide Method ( s ) of Verification and information requested by me. 
Refusing to remove inaccurate tradelines when Second Round LP, did not provide sufficient requested info to back up their claim. 
Allowing Second Round LP 's attempt to " re-age '' negative trade-line, a violation, even in situation when Second Round LP failed to back-up their claims first. 

XXXX XXXX, 2016 I submitted a dispute with XXXX, a credit rating agency after reviewing my free credit report, complaint # XXXX ( see attached letter ) At issue is inaccurate negative trade lines submitted by Second Round, LP. 

XXXX and Second Round LP, could not provided any solid documents to back up their claims. Second Round LP, was not the original creditor and they claimed they purchased this alleged account, but failed to provide any valid Bill of Sale/ assignment/ affidavit ( s ). 

XXXX further let Second Round LP to make another/ recent entry to mark " OK '' Current status, next to section 30 days late/ 60 days/ 90 days late, as " an new information '' / reply to my dispute. I did not make any payment to Second Round LP ever. Any attempt to " re-aging '' is a violation of the rule. 

I would like to have the inaccurate negative tradelines submitted by Second Round LP, to be removed from my credit report. Thank you.

Company response to consumer: Closed