vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I contact Equifax about the several wrong information on my credit report. I contact them by phone to dispute the wrong information, I was ask for my social security number and I gave my number and the lady who I talk with at equifax told me that that wasn`t my social security number. and she told me that another number and I told her again that is not my number. and she made me upset by trying to make someone esle social security number be mys. I think I should know my social security number and we had some words, and I ask her to put someone esle on the phone that I can talk to. who have some sense because something was wrong with her. I talk to someone esle and I was told to fax a copy of my social security number and a copy of my ID. I fax my information to them and was told to call them back the following week. when I call back I was told that they have up dated my information on the person credit who is not me. Equifax have given creditors of that lady reports my address and phone number .one of the lady creditor call me and I told that person that is not my credit and he ask me was the last XXXX digit of her social security number was mys and I told him that we might have the same name. and that our middle name is different, our birthday is different I never lived where she lived. and that we are not the same person and I let him know if he call me again that I will sued him and that was that. but still her information is still on my credit, also I was mail the Lady statement with her name, social security number, her last mailing address and her last job and her pay amount and other information. concernuing her. I have contact Equifax several timeand I have went on their website and disputed the wrong information and gave them proof who I am and yet they refused to proved that, that is my credit. they have made my life a living hell and my life is on hold and this mess has taken my nerves on the deep end I am on medication for my nerves.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Both equifax and XXXX have my account with XXXX listed has charged off or repossesed. My car I got through them was stolen on XXXX XXXX and I have the police report to prove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have an XXXX credit card. I set up auto pay before going to XXXX. Somehow XXXX didnt receive the payment the second month. And it was reported to credit bureaus. XXXX couldnt say why it wasnt processed. They let credit bureaus know all my payment status is current and they are not reporting any late payment. XXXX and equifax are still showing that month as late on payment. XXXX has taken it off from my credit report. I was told by the credit bureaus that info is correct about me being late but XXXX keeps teeling me that there is no late payment that they are reporting. I have done the dispute twice with these credit bureaus. 
Thank you for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: MA

Complaint narrative:
Seterus Inc. is the service provider for my mortgage. I applied for a HAMP modification in XXXX and was offered a streamline modification by Seterus in XXXX. At the advice of XXXX they told me to start the streamline offer until we hear from XXXX. Apparently I have been approved. Since then, I have called to get answers on why their ( Seterus ) system has not updated my loan and they have hung up on me, put me on hold for long periods of time, and given the complete run-around when I ask direct questions. I was told by someone there, that the new modification was deleted by an unknown source and I was out of luck and if I missed payments on the streamlined offer, I would be foreclosed on. I also asked to speak with supervisors on every occasion and was rudely told that was not going to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
PNC bank is falsely submitting overdraft fees

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-08 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: NJ

Complaint narrative:
I have a HAMP loan and received a letter in XXXX informing me about a {$5000.00} incentive that had been applied to my XXXX. An offer to modify was also included. I signed and mailed it. In XXXX I received the enrollment paperwork via XXXX. I thought I was ineligible because my XXXX payment would be late ( I am a XXXX on a XXXX ). I called Seterus to inform them of the late payment, and was told I qualified. I signed the enrollment and sent it in the XXXX envelope Seterus provided. I was given a new payment amount, told that when modifying one month 's payment is skipped, and that as long as I made the new payment by XXXX/XXXX/16 I would be current. I made that payment. On XXXX/XXXX/16 I called to confirm receipt of the payment, and was told it was the incorrect amount, was being held in suspense, and I was behind. I made payment arrangements and continued to follow up with phone calls. Since XXXX, I have spoken to 5 reps and 2 managers. Two reps told me I was current and the lower payment amount was correct, 2 told me that was wrong, the 5th rep told me both in the same conversation. The managers told me I was behind and refused to let me speak with a superior. I 've incurred late fees, an inspection fee, and received delinquency/foreclosure notifications. On XXXX XXXX I went onto Seterus 's website to check that an automatic payment had been made. I also downloaded all of my 2016 statements except for XXXX, which was missing from their site. I called Seterus to request a hard copy. I have not received it. I have more specific details and documentation, including all written correspondence I received from Seterus. The character limitations prevent me from providing those details here, but I will enthusiastically share them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
As of now, the issue I have is with XXXX XXXX and not with any credit bureau. XXXX XXXX claims to have pulled a hard inquiry on my credit on XXXX XXXX, 2015, which is reflected in my Equifax report, potentially harming my score. I do have a pending dispute with Equifax ( confirmation number XXXX ), filed today. However, prior to lodging the dispute with Equifax , I contacted XXXX directly and was told, after about an hour on the phone with them/dealing with dropped calls, that although I DID NOT authorize an inquiry into my credit in 2015, they were " unable '' to remove reporting of the event because it was " too old. '' I had an account with XXXX at a prior residence ( XXXX XXXX, XXXX ) and had asked them to transfer my service to my new home in XXXX, XXXX as of XXXX 2015. They failed to properly close my New Jersey account and thus were " unable '' to transfer it to XXXX. After weeks of trying to hold their hands through the process of determining what was so difficult about this process, I realized I was getting nowhere and gave up. It took me another several weeks to address that they were beginning collections for my XXXX account, which I had closed and paid in full, because they did n't close it properly. My concern is that this hard inquiry on my credit was a component of their incompetence during this time. I never authorized an inquiry and although I am hopeful Equifax will remove it without conflict, I want to report this practice by XXXX to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
mortgage company ( Seterus ) will not stop calling me even though have given them a date when I will pay They use robo calls and called me 7 times yesterdayI

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have tried to submit a dispute online and Equifax wo n't allow me to submit my information. I have several accounts that should have been dismissed due to Chapter XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Several reports placed against my credit file and disputed to the credit bureau have nothing corrected after many attempts. They include bills for medical accounts which I have reported were already paid and some for services not rendered, reported to reporting collection agencies on behalf of the physicians. 
A bill for {$79.00} reported by XXXX XXXX of XXXX Was paid in full. A bill for the amount of {$200.00} on behalf of XXXX XXXX XXXX reported by XXXX was already paid in full by the insurance company XXXX of XXXX. 
A bill for {$370.00} reported by receivable recovery on behalf of the XXXX XXXX physician group is also in error and was paid in full By XXXX XXXX XXXX XXXX of XXXX 
A bill for the amount of {$360.00} reported by the XXXX On behalf of XXXX XXXX XXXX Is for services not provided and is therefore in error. 
There was also reporting errors on student loans including XXXX XXXX that are currently good standing. 
several addresses recorded against my person the name are an erroneous and fictitious They includes the following : XXXX XXXX XXXX, XXXX XXXX. 
XXXX XXXX XXXX, XXXX, XXXX XXXX Because I have been a victim of identity theft on several locations throughout the years I have been forced to play the freeze on several of my accounts to further protect my integrity and identity. 
I refuse to be harassed and bullied by unscrupulous recovery companies who attempt to use high-handed XXXX tactics to squeeze consumers out of unsubstantiated debts incurred by dubious fraudsters of identity theft and therefore providing give them the rope to hang my purse and person. 
All personal credit extended to me have been diligently paid on time according to the contract stipulations signed and agreed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX of XXXX pulled my credit on XXXX/XXXX/2015 from minimum XXXX banks and other institutes without my authorization. I called XXXX of XXXX, XXXX TX XXXX to remove the inquiries on phone, they said I should ask Credit Bureau, when they will contact ask them, we will ask them to remove. 
I spoke to XXXX credit Bureau, they told me to contact the company who pulled the credit file, or I call individual company. 
My credit is ruined by these marketing guys, My son XXXX years old goes to college, he is on XXXX, I am trying to get a vehicle XXXX but due to many unauthorized inquiries and negative impact on credit report I am declined for that and also for other financial help I try to get some loan. Please help me I am not able to deal with big companies they do n't care and do n't want to listen what I am saying. For me and my XXXX son its very important to remove from my credit repot. 
I would appreciate for your kind help, you can see in attached lists how they have pulled my credit report. Not only me but my XXXX ( I am XXXX ) family and specially my son who is XXXX XXXX at XXXX ( XXXX XXXX XXXX ) who really needs transportation and van XXXX, due to too many unfair and unauthorized inquiries. 
I have attached XXXX files, includes all XXXX credit Beureaus Consent to publish the description of what happened? Consent provided Supporting documents Unauthorized Inquiries list XXXX XXXX XXXX Bearues.docx ( XXXX ) credit iquiry XXXX Beureaus.pdf ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I submitted a Identity Theft affidavit to the company. The address on my XXXX report and the address the company shows i have never lived at. I never opened the line of credit. They will not remove the mark on my credit report. I mailed the affidavit via certified mail to the company. I have changed my name because of Identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Modern Adjustment Bureau
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX shared my personal information with a third party without my written or verbal consent. They are in violation of HIPPA law. The debt collector is disclosing incorrect information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Collection account outstanding balance, creditor XXXX XXXX XXXX U-Verse for {$1100.00}. 
Account # XXXX for service at XXXX XXXX. Never lived there, not my account. 
My name is XXXX XXXX XXXX and this is effecting my credit score. Called XXXX XXXX XXXX, they said they ca n't take off credit info. Called XXXX collection, they no longer have account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FORD MOTOR CREDIT CO.
State: TX

Complaint narrative:
I financed a vehicle through Ford Motor Credit in XX/XX/XXXX. At the time I was making {$50.00} an hour and paying for my loan was not a problem. I became totally XXXX and got behind on my payments and I am nearing the end of my contract. I receive Social Security and XXXX XXXX payments which is my only income. I contacted Ford Motor Credit in XX/XX/XXXX and made a {$900.00} payment and advised the nice lady that I would pay at least that monthly in order to satisfy the loan. She told me that a person from her retail department would contact me and try to assist me to get back on tract. Instead I get a call from a very rude man from their collections department demanding that I pay the total past due or I would need to surrender the vehicle. I told him several times that I did not have that kind of money and my vehicle is my only means to get back and forth to my numerous doctors appointments. He became very arrogant and told me that if my house payment was behind that they would foreclose on my house, which my mortgage company has been very understanding and I am current on my payment. He told me to call back to speak with him, but I refuse to talk to such an arrogant person that has no business in Customer Service. He got upset with me because I was using my cell phone to which I explained was my only means of communication. My home address is in XXXX but I am in XXXX undergoing medical treatment for my disease. I am XXXX most of the time and have a hard time speaking on the phone. I have sent emails to the executive offices of Ford Motor Credit, the XXXX to no avail. I tried using the secure email system through Ford Motor Credit but the response is always that I need to call and they are unable to help me through email. Maybe they do not understand that I am trying to pay them money and they do not have to be arrogant and demeaning towards their customers that pay their wages. While my account was past due I would get at least XXXX calls a day on my cell phone telling me to call Ford Motor Credit. As I stated above I have difficulty communicating at times due to my illness but no one cares. I just want to pay off the vehicle. I have paid around XXXX thus far for this vehicle with financing and they want to take it when I am so close to paying it off. I am putting half my Social Security into paying the vehicle off. I do not want anything free, just some empathy and understanding in my situation. I have been in XXXX about 45 years and have never treated a person as such, let alone a XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
Equifax makes you wait HOURS on hold and then those who answer the phone simply hang up on you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: FIRST HORIZON BANK
State: AZ

Complaint narrative:
I call up to make a payment usually day before or the day of. They refuse to take my payment from me. They call me back the day after ( so its now late ) and tell me to pay the late fee. as I refuse to pay it, they then proceed to call me while im at work at least XXXX to 15 times per day until I pay it. I have gave this company so much money in late fees because they refuse to take my payment early. I am then harassed every day until the payment is made and then made to pay a late fee. This is not right and is unacceptable

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-17 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ONLINE Information Services, Inc.
State: GA

Complaint narrative:
I was not properly notified of a debt that I am willing to pay. I never was mailed a bill or able to settle my account which I would have willingly done. This only came to my attention when the debt hit my credit report, 9 months after the collection agency reported they received it. The company stated it was illegal to deletethe account according to the Fair Credit Reporting Act and that statement in itself, is actually a violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services , LLC . 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Line of Credit Loan Account Number Num : XXXX Balance {$13000.00} XXXX XXXX Real State Home Loan Account Number Num : XXXX Balance {$260000.00} Dear Sir or Madam, Complaint Department I am writing to dispute seriously misleading and damaging information in my Credit Report. The items I dispute are on the attached copy of my credit report. 

These items are ( inaccurate or incomplete ) because mistakenly listed as Unknown '' ) should say paid as agreed. 

As you well know the loan modification processes was delayed by the bank. 
The reporting they said I was supposed to be later corrected. It was never done correctly on the credit report. The loan process started in XXXX/XXXX/XXXX it has been 9 year this mortgage and line of credit most be removed from my credit report. Clear up the mistake. 

Pursuant to my rights under the FRCA, this item should be deleted to accurately reflect my known credit. 

Enclosed are accurate copies to support these facts my understanding of the FRCA indicates I can expect a written response from you in the very near future. Thank you for helping to resolve this important matter. 

I really hope you will work with me on this. Please help me come up with a solution quickly to resolve the current status on my credit reporting. And keep your word as to credit reporting should be latter corrected Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Supreme Lending
State: GA

Complaint narrative:
The lending agent tried to push through a loan that I was not qualified. 
He was given tax returns and still tried to push the loan wXXXX cks. 
I will have no home & have storage charges for a 4br home to pay. 
The lending officer has not responded to emails on how to handle this. 
Supreme lending in XXXX GA is the company of complaint. 
Now I have to start on a new loan, please note I had paid for inspection. 
The buyers have to place the home back on the market, so many losses! 
The additional expenses are mountaining daily!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I contacted the credit bureau by online dispute and paper dispute to let them know that my credit had been ran without my knowledge or permission and was asking for them to investigate and remove the inquiries off of my credit. I was told to if I felt like it was unauthorized to contact each company to dispute these actions. I did that with no response or action from the companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Here is what has been reporting on my equifax credit report : Type of account : open ( incorrect information ) Date opened : XXXX/XXXX/2012 ( as per XXXX XXXX and XXXX records and XXXX XXXX Bank, the account was bought on XX/XX/XXXX,2012, then the initial notification letter did not go out until XX/XX/XXXX,2012, this is well beyond XXXX days after XXXX started furnishing negative information in my credit report without my knowledge. This is a clear violation of regulations. ) The due balance was also being misstated. I have tried to get the record straight multiple times and no official verification or proof of documents come from XXXX and still my credit report keeps getting the bad end. I demand full deletion of credit line from all credit bureaus before I commence the legal battle on this.

Company response to consumer: Closed with explanation