vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-01 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
My complaint pertains to a discrepancy between the Equifax score reported to me and the Equifax score reported to my mortgage lender. The lender received a score almost XXXX points lower than the one I got. The same credit concerns were identified on XXXX reports, and they were produced within days of XXXX another, so there was nothing to explain why the scores were different. The effect of this is that I do not qualify for the lowest mortgage rate on a house I am purchasing. On an Equifax blog I found a string of complaints from other customers who have encountered the same problem XXXX This tells me I am not alone, but is little solace because it only suggests that the problem is pervasive and ongoing. The crux of the problem is that the score I received from Equifax is essentially meaningless -- not a true guide to how prospective lenders will view my credit. I sent a complaint to Equifax and they provided an explanation -- that lenders in different industries may use different scoring models. This does not address my concern, but merely illustrates it : what Equifax tells me about my credit is not what they tell lenders. The fact that I had paid for access to the full report only rubs salt in the wound. I have requested a refund from Equifax of the {$7.00} that I paid on XXXX/XXXX/2016. My purpose here, however, is to raise a broader concern about the uselessness of credit scores received by consumers, at least from Equifax.

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: CO

Complaint narrative:
Equifax refuses to address the issue of double-reporting of issues on my credit record

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I was told previously that my payments could not be reduced and so I was told i should go into forbearance so I did not have to pay anything back at the time. however, doing so my loans collected lots of interests and now I have to pay a very large amount of money back and can not afford it. I am now in the REPAY program and of course that balance is still collecting interests. Their is no lead way for borrowers struggling such as myself to have my loan forgiven or even a partial. I have been with my XXXX job for 3 years gping on XXXX in XXXX and the fact that I am not a full time employee I do not qualify for the loan forgiveness. I believe being with the company for this amount of years should could as some sort of acceptance to have my loan forgiven. the years should factor into this option of loan forgiveness even if it is not the entire loan. I was tricked into going into these plans that only made it harder for me to have the ability to buy a home or car without having a co signer. my credit is only ruined because of my loan. My loan was taken out at University XXXX XXXX. The fact that people have to pay such large amount to attend school is what makes people not want to attend any longer, thus causing the higher education rate to decrease tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
This is a Formal Complaint Against Equifax. 

You are reporting inaccurate credit information. 

XXXX XXXXAlert Date : XXXX/XXXX/2015Source : EQUIFAXCompany : XXXX XXXXPayment Status : UNPAID ( UNPAID ) Status Date : XXXX/XXXX/2015Balance : $ XXXXXXXXBalance Date : N/AAddress : XXXX, WA XXXXXXXXThe information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and as such represents a very serious error in your reporting. 

Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this tradeline. Note that section 1681s-2 ( b ) of the Fair Credit Reporting Act creates a cause of action for a consumer against a furnisher of erroneous credit information ( XXXX ). 

Please know that you have 30 days to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FDCPA, FCRA, and other federal statutes. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: ID

Complaint narrative:
In XXXX 2015 I checked my credit report and seen many accounts that did not belong to me, but had my personal information. I called the credit bureaus who told me the next steps that I needed to take which was to fill out an FTC affidavit and file a police report. Once I was done filling out all the fraudulent accounts I was to send a copy to all three bureaus with copies of my government identification. As time went on I discovered more and more accounts that kept popping up that were not mine. I followed the same routine and sent back updated information to the credit bureaus. XXXX & XXXX were the only ones who fully cooperated with me and blocked the fraudulent information as requested. Equifax is still reporting this fraudulent information after multiple attempts to correct it with them. Each time they say that they are sending the information off to the creditor, each time they do that nothing happens. I have contacted the company in question multiple times on my own and I will also be filing a complaint against them. They claim that because I am working with an attorney they can not talk to me about the fraudulent account. This has been going on for months. The only credit bureau that is still reporting XXXX XXXX XXXX is Equifax! After reviewing their latest update today they have added yet another fraudulent address to my account. I have never lived in the state of Oregon, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Reported : XX/XX/2015. I also ave never lived at XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Reported : XX/XX/2015. The previous address is the one in question with the identity theft. They are not deleting the incorrect information and it 's been going on for months with no resolution. I am frustrated and sick and tired of Equifax and their shady business practices. Each time I call I get the run around and they keep claiming that the account is " verified '' but they never send me anything on how it was verified. How can it be verified when I 've sent multiple certified letters and faxes to XXXX XXXX XXXX with no response or verification and they can verify it?! I 've never lived here or at the address in XXXX! I am frustrated, because at this point I feel like this credit bureau is just doing this to screw me over.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: CT

Complaint narrative:
XXXX XXXX, XXXX I received a letter giving me a trial modification with Seterus. The trial went from XXXX XXXX, XXXX to XXXX XXXX, XXXX. I paid all the trial payments on time and did n't receive a modification. I have n't received anything in writing to inform me of the status of my loan. 
After the XXXX XXXX was made I called asking about converting the trial modification over to a permanent modification I was told it was n't completed. I was verbal directed to continue paying the modification amount until I heard from Seterus. 
I am on emergency mortgage assistance program under CT Housing Finance Authority. I pay a portion of my mortgage to CHFA and they pay Seterus my whole mortgage payment. Toward the end of the trial I found out CHFA was paying the whole amount of my mortgage not the modification amount. When CHFA called Seterus wanting the difference back between the mortgage amount & the modification amount they were told the difference went to my principal balance. I was told my trial mod was n't hurt due to the higher payment being made. 
When I called XXXX XXXX, XXXX I was verbally told I was n't getting the mod because my account was n't behind, it was now up to date. I upheld my side of the agreement - Seterus failed to upheld their side of the agreement. Seterus has not converted my mortgage to a permanent modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: MO

Complaint narrative:
As the Executor of my deceased husbands ' estate, since XXXX XXXX I have requested a deed-in-lieu to close out the estate. I have provided all of the documents within my possession to the mortgage company. Around XXXX thru XXXX, I was informed there is a lien on the property from XXXX. However, during that same time period, I was informed everything was okay but case had not been assigned to anyone for resolution. In XXXX or XXXX XXXX I was informed the lien from XXXX is preventing the deed-in-lieu process from proceeding and I have to provide documentation the lien has been resolved. When my husband purchased the property XXXX XXXX, XXXX he had a clean title. The clean title should have been submitted to the new mortgage company from the old mortgage company when the loan was purchased. The mortgage is in my husbands ' name only, but the property is titled in both our names.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I had an account in collections with XXXX XXXX XXXX. I paid this account off as of XX/XX/XXXX. I saw this was still being listed as an open, negligent account on Equifax and started the Process of disputing the information as of XX/XX/XXXX. ( original dispute # XXXX ). On XX/XX/XXXX Equifax closed the dispute and did not update the information and stated that XXXX was validating the information on my report. I spoke to XXXX many times to confirm the account was in fact paid in full and they have sent multiple letters stating the account is resolved. I am in the process of trying to purchase my first home and this is still an ongoing issue. I opened another dispute on XX/XX/XXXX, ( XXXX ) and on XX/XX/XXXX Equifax again confirmed that the information was correct and closed the dispute. I spoke to XXXX again and received a copy of the Universal Data Form which states all my account information and confirms that the account has been paid in full and is now closed. I filed another dispute with Equifax on XX/XX/XXXX ( XXXX ) and supplied the UDF. XXXX responded to the dispute today, XX/XX/XXXX and also resubmitted my updated information to Equifax ( control # XXXX ). I was told by Equifax that this information is electronic and will be automatically reflected on my credit report once XXXX submits it. Now Equifax is still saying they have not received anything stating that my account has been paid in full. Their negligence is hurting my credit score and my ability to purchase my first home and I have been relentless in trying to get it resolved, and I feel helpless.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax removed several fraudulent accounts from my credit report on XXXX XXXX and then they put all of the accounts back on my credit file XXXX XXXX. I have called corporate several times and the FCRA requires that the credit bureau send me notice of any account that is going back on my credit file within XXXX days and I never received anything warning me of them putting that information back on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I paid debt in full to XXXX in XXXX 2014. I asked to make sure, was there any paperwork or anything I needed to sign, etc. To finalize everything. She said no. I went on my way and was never contacted about a " debt '' until about two months ago when I filed a dispute after realizing it was, for some reason, on my acct as a debt. I have contacted the current apartment manager, XXXX XXXX, who says they have misplaced my records and they never got filed but that she knows I paid it. I have filed dispute with the company and it has been denied

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have submitted a dispute and the issue was resolved then later placed back on my credit report incorrectly. They also are reporting old debts that are past the 7 year limitation. That have been purchased by a collection agency. But original dates have been changed making it look like current debt. Equifax has done this multiple times cause my credit score to suffer

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I was in a XXXX accident. I had multiple bills from XXXX Hospital, one of them being XXXX. It was then sent to a debt collector because it was not paid on time. I was working on a settlement with XXXX XXXX at the time. It finally got settled and closed out, however, it is still on my credit score and making it lower. I need it removed from my credit score as soon as possible because I am trying to get a loan for a new car. I ca n't get a loan from my current bank for a car because it is showing delinquent bills on my credit report. That is not true. They have been paid and settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I REQUEST MY FREE ANNUAL CREDIT REPORT FROM WWW.ANNUALCREDITREPORT.COM AND I PUT ALL MY INFORMATION AND AT THE FINAL STEP WHEN I DESIRE VIEW AND PRINT IT THE PAGE DID NOT GIVE NOTHING, I ENTER AGAIN AND THEY SAID ME THAT I ALREADY HAVE RECEIVED MY CREDIT REPORT AND NOW I SHOULD BE PAID FOR A COPY. 
PLEASE, HELP ME

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This complaint is regarding XXXX and information derived from the credit breauras. One of my issues is that i am constantly denied housing in the XXXX XXXX- XXXX XXXX XXXX . Public information is being reported about me that is either inaccurate, Can not be proven or is either out dated. For instance, This XXXX charge " XXXX " case # XXXX occurred in XXXX/XXXX/XXXX which is beyond the statute of limitations which is ( 7 ) seven years to be reported.However, its being reported more than a single instance on a report. Also, The charge of " XXXX '' case # XXXX dates back to XXXX XXXX XXXX, The charge of " XXXX " case # XXXX too dates back to XXXX/XXXX/XXXX, and the charges of " XXXX '' case # XXXX, XXXX case # XXXX and the charge of XXXX case # XXXX are all outdated information that is still being reported. Also XXXX and exquifax are not accurately reporting my current mailing address properly which is XXXX XXXX XXXX XXXX North Carolina XXXX. I ask not to be judgmental i was a innocence man XXXX and is attempting to restore order to his life.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
After I filed the dispute, Equifax took steps to resolve the issue and did so in timely manner. But XXXX and XXXX are still showing the account on my credit report. How long does it typically take for the other agencies to get updated?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Unauthorized inquiry appeared on my equifax credit report by XXXX XXXX XXXX on the XXXX of XXXX, 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: ID

Complaint narrative:
EquifaxXXXX XXXX. Is reporting the same accounts multipleTimes. XXXX of the accounts on my report have been reported XXXX times by XXXX XXXX XXXX XXXX on my report giving me bad payment history and derogatory remarks multiple times for the same accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: NIC, Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX I paid the original creditor directly for an old utility company debt. Nemo 's collections did not remove their negative entry on my XXXX report but rather updated the status to paid as if I had paid them. On XX/XX/XXXX I sent Nemo 's collections a letter via certified mail letting them know that I had contacted the original creditor and made payment directly to them. As of XX/XX/XXXX Nemo 's is still reporting this debt as being paid to them which is false and a violation of the FDCPA. This needs to be removed immediately as it is severely damaging my credit rating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax continues to list an account with State of Oregon Child Support in the amount of {$1200.00} on my credit report. That amount has been paid in full and the account stands at XXXX and should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In early XXXX of last year ( 2016 ) I began a home refinancing process with my local Chase Bank. At the outset of the process I was given a document to choose how I wished the monies in my impound account to be dispersed at the finalizing of the loan. The choices were to either use the funds in the paying off of the old loan or to have the funds reimbursed back to me in a check. I chose to have the funds returned to me. ( That document is attached in the number of documents I attached at the end of this process. ) At the signing of the loan documents on XXXX XXXX, 2016, I was shown that the balance of the mortgage loan at Chase was XXXX, XXXX. XXXX. Upon a call to Chase Customer Service Department, in late XXXX 2016, to inquire about the release of the those funds in the impound account, I was informed that those funds had been applied to the pay off of the loan Chase was giving me. I had no knowledge of the vast discrepancy in the payoff amount and was laboring under the apparent delusion that the funds in the impound account belonged to me solely and could not be used for anything except the paying of my property taxes and home insurance. I am XXXX XXXX XXXX and I believe I was taken advantage of. Chase did not fully disclose what was happening and I was left in the dark and am now out of the {$4000.00}, + dollars I believed were mind to do with as I please at the end of the refinancing process. Another thing, I was encouraged to fold the amount of my property taxes, due XXXX XXXX, 2016 ( {$3000.00} ) into the load so that closing could be expedited and was assured that I would recoup those funds in the refund of my impound account, an assurance given by the lender handling my loan and the person conducting the final signing, a representative of XXXX XXXX XXXX of California. In a document date XXXX XXXX, 2016, I discovered how the funds were applied to the loan. I remain disheartened and disappointed and angry that I was taken advantage of.

Company response to consumer: Closed with monetary relief