vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
On XXXX XXXX, 2015, XXXX, a representative from Seterus in the XXXX office, my mortgage servicer, called me and told me by phone that my current interest rate of 2.5 % was being locked in for the life of the loan. This is what I had been asking for since I informed Seterus that I would not be able to make the payments due to excessive medical expenses for myself and my wife. Myself and my wife are senior citizens on a fixed income and I had been calling and sending letters consistently for the past six plus months trying to make a payment arrangement with Seterus. After speaking with XXXX and knowing that Seterus does not often send written confirmation, I myself sent a letter to XXXX XXXX ( the loss mitigation representative I had previously been communicating with ) in the XXXX XXXX office to document our conversation, to thank her, and confirming the payment amount. About one week later, I received another call from XXXX ( did not identify themself ) confirming the payment arrangement. I was then told that written confirmation would come with my XX/XX/XXXX payment coupon. This was incorrect in as much as the XX/XX/XXXX coupon showed the increase in interest rate. In speaking with XXXX XXXX, one of the supervisors at the XXXX office, he claims that I did not complete my paperwork and that everything was put on hold. I did not complete the paperwork because I was told I was approved and l locked in for the interest rate. I was not informed that I had to turn in any additional paperwork when I was verbally informed of the locked in interest rate of 2.5 %. XXXX told me that because I did not submit the paperwork that the fixed interest rate was canceled. He told me to turn in the financial documents and send them to XXXX office which I am doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Ocwen Financial Corporation
State: MO

Complaint narrative:
My wife and I have completed all required documents to refinance our home loan EXCEPT for XXXX documents held by Ocwen, after I have called them many times. Our refi is being delayed without reason, thanks to Ocwen delaying sending requested information. As everyone knows, mortgage interest rates are slowly, incrementally rising, so, after having delayed us for weeks, it is quite possible that our new monthly mortgage will rise, thanks to the passing of time. These people have ignored requests for documentation Our only recourse, it would seem, spend XXXX on litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX # XXXX, STUDENT LOAN, {$85000.00} This account is being reported as 60 days late as of XXXX/XXXX/16. The company sent me a letter stating it was incorrect and should be reported as on time. This item should be reported correctly and updated immediately. The account should have no past due payments reported and be reported as of XXXX/XXXX/16 on time payments. Please correct. This has been reported with each agency. I also have a letter from XXXX stating this fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I made a compliant to Equifax about a dispute I did not open. I did make a compliant to Equifax that when you do file a dispute they pull your credit score down during the investigation XXXX points making it hard to apply for credit during the time of an investigation that can take 30 -60 days. Instead of taking in the compliant to let them know they need to change that system because it is not fair to the customer. Equifax did a dispute without my consent during a time I am looking for funding. Because of what they did I can not apply to until they update the system because it pull my score down making it to low for me to get funding. I was at XXXX before the did the dispute and now it is at XXXX. I ask them to cancel dispute on XXXX XXXX, when I notice the change in my account I have with Equifax membership they told me it would update in 24 hours that would have been on XXXX, XXXX and it was not updated or cancel. I waited until after the XXXX holiday on XXXX XXXX, hoping it would have been updated still nothing. I called and spoke to a supervisor and ask why did n't my dispute get cancel and she said it was done wrong and she will do it the right way and it will take 24 hours to update. So on the XXXX XXXX, it should be update and still no change. I call in again on the XXXX XXXX, and they told me dispute was cancel but there is no change in my report or score. It is now the XXXX XXXX, and I still do not see any update on my credit showing the dispute was cancel or the score was changed. This is complely destroying my business and my life. I can not get the funding because of it. All I ask was to stop the dispute so it can go back to XXXX instead of XXXX. And they will not do it. They keep on blaming the machine but soon as they did a dispute my score changed right away. Soon as they cancel a dispute 9 days later still no changes. This is so one sided I am so stress out from this is destroying my life. All I ask was to cancel a dispute that I did not ask Equifax to do in the first place but I am the one suffering from it. I attach proof of score change, alerts with dates attached to it proving what I am saying. Please tell them to update my report showing the dispute was cancel or I going to go out of business without funding. I feel like they are punishing me from filing a compliant against there system. 
Before dispute XXXX, After XXXX and now still XXXX XXXX still XXXX. And the alert showing when and what account that got disputed by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There is a hard inquiry on my credit report which I did n't authorize. The inquiry appears XXXX and is from a company called XXXX XXXX XXXX, XXXX. I was told inquiries can only be removed from the company who placed them on the report. I called XXXX XXXX XXXX , XXXX and was told they pulled the report for XXXX XXXX XXXX. I have a document which indicates this was for an application for a Home Loan. I never applied for a home loan. The application does n't have my signature and is not dated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I recently requested a copy of my credit report and noticed Equifax has reported inaccurate account XXXX on my credit report that does not belong to me. I have disputed to them directly pertaining this issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Equifax has been changing my credit score constantly is in the XXXX now and a month ago it was XXXX. And in a month it dropped XXXX points and I do n't understand how that 's possible no changes were made. There is an account on listed shown as XXXX that has been closed and should be removed. There is a current in beat that is open and that is current and correct. Also there is XXXX that 's been on there for a very long time that 's been paid off and should not be on there. Well I am making a complaint XXXX has failed to show any credit score of mine at all. Please help me figure out why they are doing this to me thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was alerted by XXXX XXXX that my credit was ran XXXX. I called XXXX and they were quite upfront and said they had already realized that fraud had taken place and I would not be responsible for anything. Someone in a different state with a different name used my social security number. They said that a letter was sent to Equifax to clear the inquiry. I have called Equifax numerous times and have initiated no less than XXXX disputes. They refuse to verify that the information they are reporting is accurate. I am at a loss on how to get this removed and neither company seems to want to look any further into the matter. My credit is important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
For the last 2 years, I have requested my free annual credit report from Equifax and XXXX electronically and both times I was denied getting my credit report online and had to submit a paper form. I believe the " verifying your identity information '' is incorrect, as it has my current/previous employer as " XXXX XXXX '' instead of its proper name ( XXXX XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
My credit report has been negatively affected by Equifax allowing various entities to report unverified accounts on my credit. I asked Equifax to please provide me a hard copy of the original applications/contracts that is said to be mine so that I can verify signatures. Equifax relies on 3rd party vendors that provides electronic information that could easily be forged copied or finagled. In respects to the law that governs the CRA 's, it is my understanding that under the FCRA 15 U.S.C. 1681, all unverified accounts must be promptly deleted. In respects to the governing law, a verified account is defined as an original hard copy of the original application that is believed to be mine. Equifax has disregarded my request for the copies of the applications or contracts that is in my file. They have responded within the 30 days but not with the original documentation with my signatures. I did not ask for a copy of my credit port. I asked for an updated copy of my report that shows the accounts in question to be removed because of Equifax 's inability or unwillingness to forward me all original hard copies within 30 days. According to the law that governs the CRA 's it 's illegal to report on my credit file without having the " hard copy '' on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I applied for a Sears store card. I got the card and I used it several times while I was in the store. I then received a call from Sears extended warranty service, and, like many others, I extended my warranty for the washer and drier paying with the Sears card over the phone. 
All is well. I got the bill and I paid it using the online banking. Next month, I received another statement that the bill was not paid. I checked the statements, and I found out that I also have a Sears Master Card for which I did not apply. I had paid the Sears store card, but the last charge was on my MC. I called customer service and complained. They said : Did n't you receive a letter to opt out? What letter, I answered. Customer service : We send letters to inform customers with Sears store cards that they are upgraded to a Sears MC. They can opt out. I do not remember receiving such correspondence. Even if one receives such thing, who would pay attention to the process of opting out to something you did not want in the first place? 
Finally, at my request, customer service canceled the MC and I kept the Sears card, the product that I wanted in the first place.

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 monetary relief
Consumer complaint received 2017-01-06 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted a dispute with Equifax over a charge off account reported incorrectly on credit file with Equifax. I followed a dispute and passed XXXX days of investigation with wrong balance on file. Also, as today ( passing XXXX days ) it shows as pending, therefore, my credit is being affected due to delay in their end ( Equifax ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Scott and Goldman, Inc.
State: CA

Complaint narrative:
This debt is eight years old and has not been proven that I have legal obligation to pay. The statute of limitations for reporting this debt has expired.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
No response. This account was never late, and shows charge off. I closed the account

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Requested fact-finding for fraudulent account. Received attached notice stating that they do n't have additional details and will get back to me in 60 days. This is a direct violation of the law. If a credit reporting agency is unable to verify how they are reporting data within 30 days, it must be removed. Because I am homeless and without a car due to the damage this has caused my credit, I 'm requesting rent at {$900.00} each month XXXX and Equifax have kept this on my report which is {$6300.00} per each agency. XXXX followed the law and removed it. Thank you, XXXX! My score went up XXXX points where it should 've been. Im also requesting loss of income which is {$3000.00} per month, as I lost my job due to no transportation. That was in XXXX. That totals {$12000.00} per agency. 

The only way changes will be made is if XXXX and Equifax are held accountable and are forced to compensate their victims! They are breaking the law and it has serious consequences. I 'm homeless during the biggest heatwave in XXXX XXXX on you!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 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 been contacted multiple times by a collection agency that goes by two separate names ; XXXX & XXXX. They are trying to collect on a medical debt that is a result of identity theft. I never went to that hospital in north XXXX. The hospital has different addresses on file that I 've never lived. I 've contacted them they said to contact the collection agency then proceeded to give me the wrong information. I 've sent a request for removal from y report over to this company. Nothing has happened, and I feel very vulnerable because they wo n't remove it and they must be paying the credit bureaus to keep on no matter what happens. How can they overpay to maintain the agencies from deleting an account? I think it 's because I 'm XXXX and they might think I 'm here illegally ; I swear I '' m a XXXX. Attached are my letters my XXXX told me to fill out and have sent. The credit bureaus have done an ok job at communication, but it 's still on my credit report. I 've been trying to get this taken care of now because I 'm tiring to get a place to live and buy. The loan officer said I could n't get the loan because the collection is in dispute and I would have to call and admits I do n't want to challenge it.. which I refuse to do because it 's not mine. The bureaus said they verified everything with the source ... How? I 'm needing help handle this because I have nowhere else other than these government places and XXXX rights place which they told me to record calls and track stuff which I have. Thank you for your time XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have contacted XXXX XXXX and Equifax they are reporting invalid bogus debt that I do not owe. They have the account listed on my credit twice for the same amount and it is not being corrected. The amount is XXXX Equifax nor XXXX XXXX has validated this debt. Equifax just keeps sending me letters staying they verified that the account belongs to me. This is how I know they did not really investigate. If they really had investigated they would see that I never owed a balance and that the business has been permanently closed and no longer in business anymore. No one can validate this debt. They are telling me that it is legal to report an item twice that I do not even owe. Please investigate these XXXX companies you can find out for yourself the company has been closed for sometime and not in business and that I never owed them a dime. This is causing me great stress. I understand Equifax gets paid to report negative information but it is not ok when honest people being forced to fight something they do not even owe I am just asking that someone please investigate and fix this situation please.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am unable to get a FREE copy of my Equifax credit report. I am told I need to fax or mail ( at my expense ) supporting documents or I can pay for a copy of my report at {$7.00}. I spoke with XXXX in the Equifax Consumer Affairs department and ha refused to help me or to give me his supervisor to try and rectify the problem. He wanted to mail me my report but it would only go to an address on file which I have not lived at for 2 years. I want my free Equifax credit report as allowed by law without incurring any fees, charges or out of pocket expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax is continuing to report inaccurate information on my credit file. There are XXXX state tax liens that are satisfied and paid. XXXX # XXXX XXXX Co Court {$42000.00} # XXXX XXXX County Court for the amount of {$44000.00}. I have never owed these amount. Equifax is still showing a balance due on these state tax lien. 
According to FCRA 611 ( a ) if consumer reporting agency can not validate the information in their files or to furnish the source of their information, the credit reporting agency must deleted immediate from consumer file. After many attempts to get information from Equifax to provide me with their source I have yet to received anything. And although it shows a balance on accounts it also preventing me to buy a home for my family and also allow me to obtain a promotion form my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX, FL XXXX ( XXXX ) XXXX Use my credit more than XXXX time I would like to remove XXXX them off my credit report if possible Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I just found out when I applied for a loan, someone opened up a XXXX phone in my name back in XXXX XXXX they left a balance of {$2400.00}. I am disputing this debt for it is not mine. ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
On XXXX XXXX, 2016 I submitted a certified letter to Equifax disputing XXXX inquires on my credit file that are not mine. " XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, & XXXX ''. I received a response back from Equifax dated XXXX XXXX, 2016 that basically states the inquires will remain on my credit file. Equifax failed to provide me with any information that an investigation was conducted or evidence was obtained from these companies that I authorized them to pull my credit. I do n't have any business dealing or business relationship with any of the XXXX companies I have listed. Nor have I given them authorization to pull my credit. I am requesting that Equifax remove the incorrect information from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX ... Fraudulent Charge on account in my name from several years ago at a rental property I own. Equifax has continuously rejected my request to delete.

Company response to consumer: Closed with explanation