vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I I mailed a statement in to equifax that I wanted added to my credit report. When I noticed the statement had not been added I called equifax to inquire. The agent advised that she did not see a statement and that she could add it if I give her the information. When I received a copy of the statement that she had added, it was full of errors. To add insult to injury I have had my y credit pulled a copy of times and the only portion of the statement that shows up is " XXXX XXXX XX/XX/XXXX PAYMENT HISTORY SHOWS MY COMMITMENTS OF MAINTAINING A GOOD CREDIT HISTORY '' this was a small portion of my statement. This was intentional by Equifax to not report the full statement as I advised that I am in litigation against equifax on XXXX matter and will be filing XXXX additional suits against them. Again Equifax continues to operate in a malious manner that continues to cause me financial and emotional harm.

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 — Public record
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Received IRS Tax Lien withdrawal letter and approval. Forwarded to all XXXX major credit reporting agencies. XXXX and XXXX removed without incident. XXXX has not removed after several attempts. They said they would remove, however only released the tax lien. Please see find attached the official/legal IRS Tax Lien withdrawal signed document

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
Apparemtly I have XXXX Tax liens on my credit report that should not be there. The Tax lien 's do not specify what they are for. I did own and sell a property located at XXXX XXXX XXXX, Idaho XXXX under a short sale contract. This would be the only thing I could think these tax lien 's are for. However I sold that property and all late house payments and taxes due were caught up and paid from the final sale of the above said property.

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

Complaint narrative:
Still reporting a judgement docket # : XXXX from 2008 on my credit report that is seven years old.

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

Complaint narrative:
Equifax is reporting me as deceased. I have the same name as my deceased father ( with a Jr ), and I live in his house, but I am not deceased. I have a different social security number than my father, so I do n't understand why it was not used to determine that the credit request was for me, not my father.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: NY

Complaint narrative:
My now-deceased mom was offered a second mortgage for {$250000.00} on her co-op in XX/XX/XXXX when she was XXXX years old, her only income was XXXX a year social security and in poor health. The lender, XXXX XXXX XXXX, could never have expected this loan to be repaid, as it was a 30-year mortgage with the first ten years 'interest-only, ' not going to the principal. She obviously had no ability to repay but must have accepted the offer to pay other debts, including her medical bills. It was only after she passed in XX/XX/XXXX I discovered these shenanigans. But I have insufficient resources to pay this underwater mortgage. They then declared a foreclosure sale date twice, but canceled both times. Now, the servicer refuses to offer a principal reduction or deed in lieu of foreclosure, and the contact person, XXXX XXXX at Seterus, XXXX extension XXXX, does n't even answer the phone or emails! They keep sending requests for documentation of my meager income, which is irrelevant, as I am not on the mortgage and my mom left no will. When I explained this, they falsely declared I " withdrew my request for assistance. '' My question is : what benefit are citizens getting from the XXXX, XXXX XXXX settlement XXXX XXXX XXXX supposedly paid for mortgage fraud? Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 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 disputed an account name XXXX XXXX with the CRA Equifax. After reviewing my account with a credit monitoring service it showed XXXX XXXX as being removed and then reinserted. I never received any written letter/notice of such reinsertion nor notice that I have the right to place a statement in my credit file disputing the accuracy and completeness of the information. Bottom line is that if the information was deleted as a result of a prior dispute and either the furnisher did not provide the required certification to the CRA, or the CRA did not provide me notice of their reinsertion, then the reinsertion is a violation of section 611 ( a ) ( 5 ) ( B ). Legal restrictions against reinsertion of previously deleted information are covered by FCRA 611 ( a ) ( 5 ) ( B ). Credit reporting agencies can not legally report back an account that was removed from my credit file after a dispute. They will be in violation to the fair credit report act and to the federal trade commission guideline and many other federal and maybe state laws. I was never notified that they had removed it and was putting it back on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 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:
The company stated on my request which is Case Number XXXX that a report will be mailed to me on XXXX XXXX, 2015 but I never received the report. I am requesting the report be mailed to me so I can dispute items that are not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Before I requested a fraud alert online, I updated my mailing address with all XXXX credit reporting agencies. Out of the XXXX credit reporting agencies, Equifax is the only one that makes it difficult to update a consumer 's mailing address or delete wrong ones. There are numerous online complaints depicting my situation. I do not feel comfortable faxing a copy of my Driver 's License to Equifax when someone misused my identity back in XX/XX/XXXX at XXXX which is depicted CFPB case # XXXX. My wife and I called Equifax more than XXXX times last week and it was difficult to speak to an efficient representative. Although I gave verbal authority for my wife to speak on my behalf, the reps did not want to speak to her. The other XXXX credit reporting agencies had no issues with this. To make a long story short, according to XXXX in Equifax 's XXXX Department, the fraudulent account no longer shows therefore I need an updated copy of my credit file. He advised that he would not mail it to my actual address, instead Equifax can only mail it to my old address which I have not lived at for several years. This is unacceptable and inconvenient. Please your assistance is required. I need an updated copy of my credit report to be mailed to XXXX, FL XXXX showing that account # XXXX XXXX, was indeed removed. Furthermore, I have never lived at XXXX. This is a computer error which Equifax is also known for. I would like for Equifax to remove that address. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
THE BEGINNING BALANCE AND HIGH CREDIT IS INCORRECT. I AM ATTACHING COPY OF SALES CONTRACT REFLECTING THE CORRECT BEGINNING BALANCE AS {$3000.00} WITH A {$730.00} DOWN PAYMENT NOT THE {$3900.00} BEING REPORTED

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-26 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 had a XXXX account on my credit report for about 7 yeas that I was an authorized user on. I requested that it be removed from my credit report as I had no responsibility for the account. XXXX agreed and said it would be removed. It was removed from all of my reports except Equifax. I have submitted several disputes with Equifax over this matter. After saying it is valid each and every time I have contacted XXXX and they state Equifax never submitted the dispute to them. I even have the paper from XXXX that says it should have been removed several years ago. I have submitted that paper with it as well and Equifax leaves it on there. I do not think that Equifax is following the laws regarding the dispute process and is in turn, hurting consumers. This is not the only account that they have done this with and I will be submitting additional complaints against Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the account I disputed. 
Being that they have gone past the 30day mark and cant verify this account, under section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified '' that I have disputed. I have attached document from Court House that they do n't furnish any information to the credit reporting agencies. I have also attached copy of credit report dated XX/XX/2016 results of the dispute for Tax Lien " This item has been updated to report satisfied/released. '' Also, within the 30 day dispute they sent me another copy of my report dated XX/XX/2016 with results that " We have verified that this public record item is reporting correctly. This account was never verified. Please resolve this manner as soon as possible. Thank you

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 — Personal information
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am writing to dispute an address on my record. I have never lived at this address:XXXX XXXX XXXX XXXX XXXX, MA XXXX. 
I have written to the XXXX credit reporting companies in the past to remove this address, as I have never lived there, but it still remains on my record. I am writing to request its removal once again.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been a victim of Identity Theft and I did not authorize anyone to steal my identity and pretend to be me. I need to dispute these inaccurate items off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: DC

Complaint narrative:
My account was transferred to another service provider, Seterus, effective XXXX 2015. These five months have been a nightmare from the very beginning. Almost immediately, Seterus sent a letter that I owe almost {$3000.00} and for " my convenience '' they would spread the payment over two years. When I called, representatives said they could not talk with me because I was in foreclosure and bankruptcy and they could only speak with my attorney ( I have never filed for bankruptcy in my life ). Seterus next claimed I owe money for negative escrow account although the bank that transferred the loan paid all taxes and insurance and reported a positive escrow balance. I called to make payment arrangements when my tenant moved until I obtained another tenant, and was encouraged to apply for forbearance ( which I did ). Shortly after, I started receiving threating and intimidating phone calls. I was told forbearance was denied ( although to this day, I have never received anything in writing ). I made arrangements for stagnated payments through my checking account. On or around XXXX XXXX, 2015 after XXXX payments had been made and a third was scheduled for XXXX XXXX which would bring the account current ( owing for XXXX ), I received threatening and intimidating call and the representative threatened that I was still in foreclosure and had to pay all the money owed. I requested to speak with a manager who also was very verbally aggressive and intimidating threating foreclosure and said the balance would be withdrawn at the end of XXXX from the account on file. I told her it was illegal to take funds unauthorized and told her to cancel the last scheduled payment for XXXX XXXX, 2015. I cancelled the authorization verbally, by e-mail, regular mail and fax. Payment was still processed and when I tried to resolve the matter with Seterus as my bank suggested, I was told I must give them a letter from the bank saying that I gave Seterus authorization to take the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
i have contacted equifax office of consumer affairs on several occasions and have been denied access to receive copies of my credit report after providing all the documents that they requested also i was a victim of identity theft in the past and i fear that equifax has been reporting that information on my credit file i have tried to remedy this a lot of times only to be told that i can not dispute any information that i feel is inaccurately reporting. I have also asked them to remove all derogatory information that was related to the fraud only to be hung up on several different occasions I have documented proof that equifax has been adding information to my credit file without getting the consent from the actual owner of the information its self and not doing a complete investigation.. i have been told that i can not receive any copies of my credit report and that i can not dispute any information on my credit file even though the information is inaccurate. causing unjust harm and exposing me to even a greater risk when it comes to my credit file information violating my consumer rights

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
Seterus = During the trial modification period ( XXXX/XXXX/16 ) I contacted Seterus and asked how to pay the Escrow shortage so it would not be added to my monthly payments. I received instructions and sent the entire amount due ( electronic transfer from my bank ) on XXXX transaction and the regular monthly payment due on a different transfer. XXXX were received on XXXX/XXXX/2016, however, since that date I have been unable to have the escrow amount credited to the escrow balance. Phone calls from XXXX asking for this, XXXX, XXXX, each time I was promised that it would be done withing XXXX 5 days and to check back with them in a week. I did that and finally today I was notified that it was not going to be applied to the escrow balance at all. They took the money and applied to " fees '' for the final modification, all of the fees had already been added to the loan prior to XXXX/XXXX/2016. 
The final modification contract was never sent to me or my attorney, I was given a story about it being sent to a wrong address in another city, then to their attorney 's office and so many lies. It was finally sent to my attorney just a few days before day of the final foreclosure sale and was not accurate but my attorney advised me to sign so the sale would be cancelled. I signed the erroneous documents that stated the escrow shortage and I notated on the contractthat this amount had been paid. All of the fees prior were included in the BLOWN UP BALANCE THAT DOUBLED MY ORIGINAL MORTGAGE LOAN. I have followed up multiple times and to no avail. NOw they say that it was applied to A MONTHLY payment and I wo n't have to pay another payment till XXXX. 
But since XXXX XXXX, I have paid XXXX payments anyway so the fact that I do n't have a payment till XXXX is not showing me the credit for the escrow payment either. They are now also charging a {$30.00} fee for INSPECTIONS done prior to the closing of the modification contract. They doubled the price of the mortgage without telling me my balance and I was not in a position to move out with 1 weeks notice, so now I owe twice what I paid for the house and the fees are going to keep coming because no one in our government will stop the fraud being perpetrated by these companies. Just look at the number of dissatisfied homeowners that are complaining about Seterus and every other servicer of mortgage loans. These companies do nothing but take advantage of every opportunity to find an additional fee or threaten to foreclose again at a moments notice. I went from being in a bad position to a worse position on this property when I guess doing the right thing will cost me a fortune. I could have walked away and let them have the place ... they would never have gotten this much at foreclosure auction

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SCV Inc.
State: FL

Complaint narrative:
For the past year, or more, scince changing phone and changing to new phone Number, I 've been receiving intimidating, harassing, threatening leagal action against myself if I do n't respond : by various debt collection Agencies, claiming it is regarding ( I believe ficticious ) a person - XXXX Constanamous..? Attached to this phone number..? At first I tried to understand and set the record straight about I 'm not this person, I did n't write this ( ese ) bad check ( s ), and they always promised they would correct their records and take my phone number off their call list. It would be a couple of months and then the calls would start over and it seems other collecting agenies would be added, as if they must be passing my phone number and the erroneous information on this " bad debt '' to other new collection agencies. I 've contacted my phone carrier, XXXX XXXX, who only suggested changing to a different number ( at my expense/inconvience ) but as they recycle numbers, they can offer no guarentees of who or what might be attached to the new number..? This last month and a half I 've logged up to XXXX Voicemails of these intimidating harassing Phonecalls and contacted them and they '' ve continued with the same lie that they 'll correct their records and remove my phone number from their call list. A particular XXXX - Tier One, XXXX XXXX XXXX & phone # XXXX XXXX XXXX & # XXXX XXXX XXXX referencing some file # XXXX after just promising yesterday XXXX XXXX XX/XX/2015 to update and correct their records proceeded to call with their intimidating, harassing phone calls again today the XXXX XXXX XX/XX/2015

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
XX/XX/XXXX I lost my job, I asked Seterus for a forbearance ( 4 ) times in writing. They would never response .I would call Seterus and the rep would tell me ( they needed to know when was I going to pay my debt ) no could give me information on the packages I was submitting to Seterus fro help. I called Seterus in XX/XX/XXXX, to inform them that, I found a job and would start XX/XX/XXXX.I rep. that I was speaking with indicated the reason I was turned down, because Seterus had my property listed as land. At, this point I still need help, my earning is {$XXXX} hr x 40 hours a week. I can not afford the offer. The forbearance was denied, at it clearly indicates my condition. I have been offered a XXXX Loan Modification which is {$100.00} less than the original mortgage, which I cant afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I was sued for an old debt that was acquired by XXXX XXXX XXXX out of XXXX Colorado. The debt collector did n't properly notify me of the debt. According to the court records, this company was already planning a lawsuit for this debt. This collector acquired this debt in XXXX of 2012 and by XX/XX/XXXX had already filed papers to sue me. According to the court records, I was served with papers on this debt and in XX/XX/XXXX, a judgement was filed against me. To my surprise this judgement was entered on a debt that was for a {$9000.00} charge off account that has now swelled to about {$23000.00}. If the company had reached out prior to all of these actions validating this debt we could have reached an agreement and I would n't have a {$23000.00} judgement on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I ANTICIPATED THIS RESULT FROM EQUIFAX AND I 'VE BEEN THERE BEFORE WITH THEM BECAUSE THEY DO N'T SEEM TO THINK THEY HAVE TO ABIDE BY THE LAW TO ISSUE MY OR MY WIFE 'S REPORTS. I HAVE TO GO THROUGH THIS PROCEDURE EVERY TIME I ORDER OUR FREE REPORTS FROM EQUIFAX. I SUPPOSE XXXX AND EXPERIAN WILL DO THE SAME AFTER EQUIFAX CONTINUES TO GET AWAY WITH THIS VIOLATION, HOWEVER, I HAVE NO ISSUES WITH THEM AT THIS TIME.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have disputed Fraudulent information on my Credit Report, however, Credit bureaus still not give me investigation result.

Company response to consumer: Closed with explanation