vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Security National Automotive Acceptance
State: VA

Complaint narrative:
I 'm enlisted in the XXXX XXXX stationed onboard the XXXX XXXX XXXX, XXXX XXXX which is in the shipyard at XXXX XXXX XXXX. XXXX 2014 I got a preapproved loan thru XXXX XXXX XXXX XXXX. I went to XXXX XXXX in XXXX Va. The dealership told me they could get me a loan elsewhere allowing me to buy the car I really wanted which was higher than my loan approval. I was approved through SNAAC, the dealership had me set up the payments as an allotment at the time of purchase. My command took me back to the dealership & the car was returned at no cost. I got a better deal elsewhere, however I did n't stop the allotment going to SNAAC. When I realized last month that I was always broke I went to XXXX to see about getting the money back from SNAAC, I stopped the allotment on XXXX. I spoke with XXXX on XXXX XXXX at XXXX and he assured me they would return my money to me, over {$3000.00}. I have not received my money from them as of this morning.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
On XX/XX/2015 I requested my annual credit report ( Equifax ) via the automated phone ( XXXX ). My request was accepted. By XX/XX/2015 I had received nothing. 
I repeated my request via the automated phone system and again it was accepted. 
In a few days received letter from Equifax stating I had received a credit report within the last 12 months ( not true ). There is no customer service number for Equifax , so I am stuck.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax has XXXX hard inquiries on my credit report, when XXXX has XXXX and XXXX has XXXX. Some of the XXXX inquiries are from companies I never approved of and others are from companies I 've never even heard of. When I reported the inaccuracies, it took them less than a day to tell me that I can contact the creditor because they report anything they 're told. I 'm not sure how they expect me to contact companies I 've never heard of, hand them my personal information and hope they admit their mistakes and fix it. I am a victim of identity theft affected by the XXXX, XXXX and XXXX cyber attacks. At best someone stole my identity, but I do not believe this is the case, I believe equifax is trolling for false negative information as they have in the past and it was proven in court. The fraudulent inquiries are : XXXX inquires from XXXX XXXX XXXX ; this is my bank for my checking account but I never authorized any credit inquiries. XXXX inquiries from XXXX ; I 've never heard of them let alone authorize a check. XXXX inquiries from XXXX bank ; never authorized. XXXX XXXX inquiry ; never authorized. XXXX XXXX inquiry ; never authorized. This totals up to XXXX false inquiries and only XXXX correct ones. These fraudulent activities need to be taken off my report and I should not have to contact individual companies myself. It is equifax 's responsibility to verify the accuracy of the information they report before allowing it to damage my credit and reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I have several unauthorized inquiries reporting to my Equifax Credit Report. I Have disputed these Items multiple times ( the last disputes dated XXXX/XXXX/XXXX according to Equifax and some dating back to XXXX ) with no response to my request showing that these inquiries have been authorized by me. What I receive is not validation that I actually authorized the inquiries but and updated credit report stating " We have received the inquiry information. The results are inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. " I contacted each creditor and Equifax simultaneously at the time I disputed the information and have received no response. I requested to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If there was no proof I requested that the inquiries be removed immediately. I have yet to receive a response to my requested from Equifax or the original creditors. This continues to negatively impact my overall credit and I would like the unauthorized inquires removed immediately. 
Creditor Contact Information. 
XXXX XXXX Creditor Contact Information XXXX XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have repeatedly ( three times ) mailed Equifax regarding their investigation of an unauthorized hard inquiry of my credit report. I understand that under FCRA they are required to provide a description of the actual procedure used, including name, address, and telephone number of anyone they contact. Each time I write to them requesting that, they send me a form letter that does not actually include that required information. Their responses, which seem to be simple auto-generated form letters, also ignore specific and relevant questions about the process and their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have been working with Equifax for a few months now, XXXX I think and they are giving me a hard time. I have XXXX accounts with XXXX that they are reporting 120 days late even though the account has a XXXX balance and I havent made a payment on it in months!! I dont know why they are doing this!!! They are doing the exact same thing to XXXX XXXX accounts. An account can not be 120 days late on a XXXX balance, it is just not possible!!!!! Its against the Fair Credit Reporting Act and the Fair Credit Billing Act ( I looked these up on XXXX. ) There are also XXXX judgments that have the wrong filing dates. No matter what I do and say, they refuse to do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX removed this from all three beaurus and even sent me a letter stating this fact as it was a paid in full account, however it reappeared and was not updated as having at least a {$XXXX} balance. Attached are receipts and communication with XXXX. Despite multiple calls with XXXX agreeing to remove the incorrect information, 60 days later it still appears incorrectly and negatively is impacting my score as a result. The attached receipt shows this was paid in full XX/XX/2016. They also sent a letterhead showing 0 payments owed, 0 lates, etc. But it is reporting as being 1 month late. We are now in XXXX and it is still incorrectly appearing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
A company has been reporting an closed account as open since XX/XX/2014 on my credit report ( equifax ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This is concerning Equifax XXXX XXXX XXXX, and XXXX XXXX XXXX of a debt totaling {$1600.00}. I contacted XXXX XXXX XXXX and XXXX XXXX XXXX. I proved to them that I was and is a victim of Identity Theft. XXXX XXXX XXXX and XXXX XXXX XXXX validated the debt as mine, yet neither have provided any documentation legally linking me to the account. XXXX XXXX XXXX and XXXX XXXX XXXX seem to be unaware of the Fair Credit Reporting Act ( " FCRA '' ) and Federal Debt Collection Practices Act ( " FDCPA '' ) laws against " re-aging time barred accounts '', This complaint is also formal request that the bureaus ( EQ XXXX XXXX ) and XXXX provide the description of the procedures used to determine the accuracy and completeness of the disputed information, including the business name, address, and telephone number of any furnisher of information contacted in connection with this reinvestigation, in compliance with the The Fair Credit Reporting Act, Section 611, part B, subsection ( XXXX ) 611. Procedure in case of disputed accuracy [ 15 U.S.C. 168li ] ( 6 ) ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. I also request legal FCRA Validation of Debt What the money you say I owes is for ; SIGNATURE AND COPY OF ID FOR SAID DEBT Explain and show how you calculated what you say I owe ; Provide me with copies of any papers that show agreed to pay you XXXX XXXX what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-07 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: SCOTTRADE BANK
State: CA

Complaint narrative:
I have been a scottrade customer for over 10 years. I took them up on their advertisement to open a checking account. Big Hassle! Not worth it. Despite being a long time customer, they needed to see proof of identification, including a utility bill. When I brought that into the nearest branch ( almost 20 minutes away ) they then told me I needed to bring in my Social Security card or a XXXX with my social on it. When I told them I could only provide the XXXX I received from my Scottrade brokerage account ( I am a stay-at-home mom ), they said they could n't accept that one. 

Going online into my account, they suggest transferring money to my new checking accout and sent a debit card to my home address. However, they wo n't let me transfer money from my brokerage to my checking account. 

To sum it up, Scottrade Bank does n't seem ready to handle regular online banking. Here I thought it would be a logical place to open a checking account, but it was a pain to a ridiculous extent.

Company response to consumer: Closed
Consumer complaint received 2016-01-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
My mortgage was sold to Seterus in XXXX XXXX from XXXX XXXX XXXX. The escrow account was shorted when transferred to Seterus and my last payment to XXXX was not applied nor forwarded to Seterus. I have called and worked with XXXX and Seterus for a full year. However, no one wants to take ownership and step up to help fix the problem. The loan has been behind from day 1 with Seterus and is falling farther behind -- even as I continue to make payments for over the amount due in an attempt to catch my mortgage up. 
My loan continues to be hit with charges driving my loan farther behind and into foreclosure. I believe total mismanagement of my escrow account and payments have occurred. I have called and asked to speak to a supervisor or be assigned a specific representative so I do not have to start at XXXX every time I call and attempt to get this fixed. The last time I called- I waited to speak to a supervisor on hold for XXXX minutes and then I was disconnected/hung up on. I ca n't believe they are going to foreclose when I had been current until my last month with XXXX. I have attempted to login online to the Seterus website. All I can see is just a big black box ; the whole screen is black. I ca n't see any details regarding my loan. 
I received approx. {$700.00} in XXXX XXXX from XXXX XXXX XXXX stating they have now found the funds and 'fixed my mortgage balance '. But my mortgage is not fixed and {$700.00} will not fix the problem due to all the legal and late fees now on my account. I asked Seterus if I send the money XXXX shorted at transfer and refunded me which causing my mortgage to be behind and increasing my payment due to the escrow shortage- 'will you go back and reapply my payments correctly and remove all the extra charges- legal and late '. Seterus says they will run analysis and get back with me in two weeks. I never hear back from Seterus. I keep calling them back and usually end up on the phone for about an hour while the representative looks things up and then Seterus employees says the same thing!! 'We need to run an analysis and will get back with you in two weeks. Now I 'm two weeks from foreclosure!!! Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Equifax states company has provided documentation of verification of debt. However i have proof the debt owed is XXXX balance through original creditor. Neither XXXX collection co or Equifax has provided me with verification of debt. Collection accounts have not only remained in my credit report inaccurately, but now previously removed collections from XXXX have reposted to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I moved from XXXX to XXXX to start a business. I have never worked for this company. For the last 4 months, people from XXXX XXXX XXXX XXXX XXXX have been calling me telling me to pay them money. I have never gotten money from them. They keep telling me that I was an insurance agent for they company. I have explained to them over and over that I took a XXXX Insurance Agent test but I have never worked as an insurance agent. Today XXXX XXXX, 2016, I received an alert from XXXX that XXXX XXXX XXXX XXXX XXXX has reported an account as unpaid. I do n't know what 's going on. This company is committing fraud because I have never worked or received money from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
In the last copy of my credit report from Equifax ( Confirmation # XXXX, dated XXXX XXXX, XXXX ), Equifax continues to falsify my identity while hiding and protecting the source of the false birthdate it entered into my file. 

Throughout XXXX, and earlier, I filed numerous CFPB complaints against Equifax 's wanton, deliberate falsification of my identity, to no avail. Sometime in the last year or two, it changed my birthdate in its credit file for me and refuses to correct it, while it will not divulge why it inserted the false birthdate into my file or what the source of it is. 

I have no way, short of suing it, to protect myself against Equifax 's active and malicious falsification of my identity and its persistent collusion with traffickers in false information that threatens my identity, all so that they can profit illegally from my private, personal information while causing me great harm. I should not be put in the position of having to hire an attorney to protect myself from this despicable company and its undeterred, perpetual injuries.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
A Public Record information is reporting on my personal credit profile and I am challenging it as inaccurate in its filing. The Federal Bankruptcy Court has concluded the action as dismissed. By definition, the term " Dismissed '' means that it is adjudicated by the law. The filing concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " XXXX XXXX ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for XXXX years. The Bankruptcy Court has confirmed that they did not " verify '' information to the credit agencies as they are stating. By Consumer Law I have the RIGHT to have information of who has verified this as a derogatory. This discrepancy has prevented me in my personal life 's pursuit. I want the CFPB advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have the same released CA state tax lien reporting on my Equifax and XXXX reports twice. The tax lien was filed in XXXX different counties, apparently, the one I reside in and the county of the XXXX, so it is showing up as XXXX separate liens. Which obviously creates XXXX separate public records on my reports. XXXX was the only one that removed XXXX of them, while the other XXXX just sent back a standard letter saying they were both reporting correctly. I do n't know how to send proof that it 's the same XXXX, although you can see that they were both filed and released the same day and the dollar amount is the same. When I contacted the state of CA, they confirmed that there was just XXXX lien and to ask the credit bureaus to remove it, they could do nothing on their end. The tax lien to begin with was part of our bankruptcy discharge, and it was discharged because of the nature of the tax, but CA state tax board refused to acknowledge it, so I had to just pay it. I have more than once disputed the tax liens, the case number I provided was just XXXX that I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There is Public Record Information on my credit report that I am challenging as inaccurate in its filing. First, the term " Dismissed '' means that it is adjudicated by the law, IT DOES NOT EXIST!! Since my case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. It is obvious that the credit bureaus have retrieve my information from a third party entity without my authorization. The agencies state that the VERIFICATION comes from the " origin '', this is INACCURATE. The Bankruptcy Court ( THE ORIGIN ) has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
Sent dispute to Equifax on XX/XX/XXXX. As of XX/XX/XXXX dispute was " pending '' Contacted Equifax and received conflicting information. An agent named XXXX stated " Equifax can take as long as they need to investigate a dispute. ''

Company response to consumer: Closed with explanation