vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
Seterus continues to mail letters stating I am responsible for a debt discharged in Bankruptcy Court 3 years ago. I filed a complaint in XXXX XXXX and the company agreed not to contact me however they continue to do so. 
Further Seterus admits in the enclosed documents that they are sharing my private financial information with their affiliates. They also sent me paperwork via XXXX overnight stating that I need to fill out mortgage loan modification forms. 
I have documentation going back to XXXX from Seterus trying to reaffirm this loan, which is in violation of the Federal Bankruptcy Court ruling in my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
My name is XXXX but my reported names says XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My credit records were merged with my younger brothers, which made my credit score much lower than what is was supposed to be. My name is XXXX XXXX XXXX and my younger brother 's name WAS XXXX XXXX XXXX ( He had to switch the name when we faced this issue ). 
My social security number is only different by XXXX digit at the very end. Mine is XXXX and his is XXXX. I have contacted the Equifax multiple times to fix it. While XXXX and XXXX fixed the problem for me right away. I still had this issue with XXXX and it is costing me money ( have been paying higher interest rate and lost opportunity to apply for the loans/credit related products ). 
I had to submit multiple disputes and still I seem to have the problem. I never did something that will impact my score negatively. It was all happened somewhere else and it damaged my financial stability, time, and efforts to fix it. 
Please look into this for me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I am on an IBR plan and I made a payment on XX/XX/XXXX. Around the middle of XXXX I received a credit report from XXXX which I did not order. I reviewed the credit report and found that there was a discrepancy with the payment that I made. I reached out to XXXX and was advised to disregard and that the issue that I was calling in reference to was related to a system glitch. Two weeks later I called Navient to make a payment and was advised by the representative that she could not locate my loans. We went back and forth and she placed me on hold until I asked to speak to a manager. The manager picked up and quickly located my accounts. He could not explain why the representative could not locate my accounts and we proceeded. I told him that I remitted a payment back in XXXX or XX/XX/XXXX and after reviewing he advised that it appeared that the payment was applied to my private loan that was charged off due to me filing bankruptcy in XXXX. He indicated that he would address the misapplication and that I had the contact the credit bureaus to ensure there are n't any issues. I advised him that I will be submitting this to the CFPB and requested an advocate because I do not feel that I should have to take the time to resolve ANOTHER problem that Navient is responsible for creating. The last problem resulted in Navient repurchasing all of my loans that they sold because the representative failed to include them with the loan consolidation. Navient misapplied my IBR payment to a charged off loan and reported to the credit buearu ( s ) that I remitted payment to a charged off loan which in turn caused collection activity to occur, my credit score to be impacted and impact the status of the charged off loan to show current activity. Additionally, I received a credit report that I did not order and I do n't have any idea why which is what alarmed me and caused me to contact XXXX. I would like all of this resolved as quickly as possible as I spent almost a year of constant contact with Navient to attempt to find a solution for the loans that were sold in error and repurchased by Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In 2015 I requested a copy of my ( XXXX ) credit files from each of the bureaus but only received my report from Equifax in which I found a judgment from XXXX XXXX XXXX for an account that I knew nothing about. Whilst investigating this information I approached XXXX XXXX Courts file room using the case number reported in my report, it was established that there is no record of this case number or any account in my name warranting this inclusion in my credit file. I am requesting that Equifax make right the problem and delete this entry from my credit history and furnish me with an updated copy of my credit report showing the deletion of this entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I JUST HAD MY CREDIT RAN AND FOUND OUT THAT EQUIFAX HAS DELETED ALL MY POSTIVE TRADE LINES AND PUT BACK FRAUD ACCOUNTS THAT WERE DELETED YEARS AGO I DO N'T KNOW WHAT THEY ARE DOING BUT THEY HAVE RUNINED MY CREDIT AND NOW THEY CA N'T EVEN ANSWER WHY THOSE ACCOUNTS ARE THERE AND WHAT HAPPEN TO ALL MY POSTIVE CREDIT. I SPOKE TO A LADY NAME XXXX NOT SURE IF THAT IS HER REAL NAME. THIS ALL HAPPEN AFTER I MADE A COMPLAINT WITH CFPB ABOUT FRAUD INQUIRYS. ATTACHED ARE SCREENSHOTS ON HOW MY CREDIT LOOKS NOW

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have sent in Identity theft blocking packet including police report to all credit bureaus to remove the items that are n't mine. Now they have blocked my credit report and I ca n't pull it. I submitted the information via certified mail and all packets have been delivered and no response for equifax, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have paid my bills my whole life and never missed a payment. I had a misunderstanding with XXXX, which was not my fault, and there is no documentary evidence to support my contention of the following facts. XXXX records all phone calls, so XXXX is in control of all of the documentation necessary to remove this item from my credit report. 

I moved out of California, where I had been a XXXX customer, on XXXX XXXX, 2014. On that date, I was told by the XXXX representative who disconnected me that I was paid in full. I received a bill from XXXX a month later for about {$150.00}. I called and the representative told me that I needed to return my router, which I did. I mailed the router and called to confirm. I received another bill and called and was told again that it was a mistake. Only upon receipt of a collection notice did I finally receive the correct information regarding my bill and I paid it immediately, pleading with the representative who promised me that if I paid it would not impact my credit. I submitted a dispute to XXXX XXXX the dispute confirmation number is pasted above ) after discovering to my horror that I had been misled and lied to. XXXX asked for documentary proof, of which I have none. All I have is my unblemished history of payments of all debts. I applied to refinance my student loans and was denied a week ago because of this. 

This information will obviously be on all credit reports with the largest credit reporting agencies, so if the CFPB could help me dispute across all agencies, it would mean so much to me. I worked so hard and to have a misunderstanding affect me like this is really heartbreaking. 

Please help me. I really hope that you can help me resolve this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax said that : " Please be advised the following accounts had been deleted for the credit the file in case number XXXX XXXX XXXX XXXX account numbers XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX account numbers XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX.Written confirmation was mailed to you. '' YET 1 ) Most of these inaccuracies are STILL on my credit report. For instance, my Equifax credit report says that my installment loan amount is $ XXXX+ when it 's actually around $ XXXX. 
2 ) I was NEVER mailed a written confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I was attempting to access my free credit report via XXXX.com and requested it from XXXX XXXX, XXXX, and Equifax. When the website prompts asked for my personal information, it came to a questionnaire about existing loans, accounts, etc. A few of these questions where about a home loan, auto loan, and jeweler 's account that I have never opened. Since I was unable to answer questions about what organizations held these accounts I could not access my report. These questions indicate that it is likely someone has access to my personal information, including my social security number. Because of my concern for this, I need immediate access to my credit report to gather more information and potentially file a claim. I am asking XXXX XXXX, XXXX, and Equifax to send me my credit report, preferably online, immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I HAVE BEEN DISPUTING WITH EQUIFAX OVER A UNAUTHORIZED/FRAUDULENT CREDIT INQUIRY FROM XXXX SINCE EARLY 2016 AND EVERYTIME THE SAME STORY, THE RESULTS ARE { FACTUAL } RECORD ON FILE. I 'VE LOST TRACK ON HOW MANY TIMES I 'VE DISPUTED THIS CREDITOR WITH THEM BY PHONE/FAX AND EMAIL AND NOTHING HAS BEEN DONE. XX/XX/2016 I SENT XXXX A LETTER MY SELF TO DISPUTE THE INQUIRY AND THE XXXX MAILED ME A LETTER CONFIRMING THAT THEIR INQUIRY WOULD BE REMOVED OFF MY CREDIT REPORT FROM EQUIFAX. I 'VE SENT IN THE LETTER FROM XXXX AND MY LETTER WITH THE PROPER DOCUMENTS AND THATS WHEN I RECEIVED THE NEWEST CREDIT REPORT BACK FROM EQUIFAX SAYING THAT THE INQUIRY IS FACTUAL!!!!! RECORD ON FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: PA

Complaint narrative:
I received my Seterus monthly mortgage statement dated XX/XX/2016 for my upcoming payment due on XX/XX/XXXX. My XX/XX/XXXX payment reached Seterus on XX/XX/XXXX, well within the 15 day grace period. My account statement reads that I have a past due amount of {$1500.00} which is inaccurate. When I called and spoke with a Seterus representative I was told that my XX/XX/XXXX payment was received on XX/XX/XXXX and my next payment is not due until XX/XX/XXXX. Having a " Past Due Payment '' appearing on my account statement when it is inaccurate reporting could potentially damage my credit standing with another lender if I am asked to present a copy of my mortgage statement as proof for other borrowing. If Seterus wishes to consolidate their monthly mailings into one then their statements must be accurate. Creating the statement on the XXXX of the month, the day after the grace period ends would be somewhat better than writing " Past Due Payment '' when it is not. To do otherwise is misleading and it feels like extortion. In XX/XX/XXXX I received a phone call from Seterus concerning payment and the representative said it was routine to call borrowers who are late making their payments. According to the contract my payments are not late if they are received on or before the XXXX of the month. If Seterus is attempting to circumvent the 15 day grace period on my mortgage or any mortgage this type of strong arm scare tactics of tarnishing one 's credit needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I am writing in regards to the late payments on my account. In the years XXXX I was dealing with personal illness and death in my family. I had even started the process of applying to have my student loans permanently discharged. Due to illness I was unable to work, and that is why I got behind in my loan payments. Nelnet was notified of this health issue, and I started the discharge of loan application with Nelnet, so Nelnet was property notified of my health issues and therefore should not have any negative postings on my credit. Today my health has recovered substantially, and I do work, and I am a graduate student. Upon graduation I will gladly work with Nelnet to repay my student loans ( currently they are both in deferment and in the low income repayment plan ). I wish to say my ability to repay Nelnet would be substantially increased if Nelnet removes the late payments from my credit report. While it is and always was my responsibility to repay my loans and work with Nelnet on that matter, I should not be permanently penalized for this matter because doing so impedes my ability to earn money and pay Nelnet back. Please remove the late payments from all three major credit bureaus. I have been responsible for Nelnet payments or keeping my status up to date for about two years now. After disputing this on XXXX, XXXX had deleted all but one of the negative accounts. But then Nelnet decided to repost the negative entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Pinebrook Holdings, LLC
State: MI

Complaint narrative:
The original company whom provided me a loan, sold my loan to another company. However, it has now been nothing but harassment. They call all day everyday, even after sending them a letter with contact permission, they also harass my family and my work place. Every time I ask for contact information they refuse to give it to me, and hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-08 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
after typing in my personal information and requesting a free thaw on my XXXX credit report, I was asked to pay a feed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX is still reporting the intitial file against me. I counterfiled and won and the case was dismissed in my favor. I attached the results. Please remove this XXXX Public Information from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report shared with employer w/o consent
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I received 2 letters from equifax that stated they " furnished a copy of your credit file for employment purposes '', 1 letter has a company listed and the other just has a blank space where the company should be listed. I have not applied for employment and have worked at the same company for over 6 years. I have attempted to contact Equifax with no luck. 
I contend that Equifax has provided my credit file without my knowledge or permission. The letters also only list the XXXX XXXX letters of my XXXX name and not my complete, legal, XXXX name, making their records incorrect also.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax has reported XXXX account as opened XXXX That the date of first delinquency is XXXX That as of XXXX a balance of {$340.00} is charged off. 
This reporting is incorrect, inaccurate and not correct under the Fair Credit Reporting Act. 

Dispute is as follows : 1 ) XXXX has refused to validate the debt with a signed contract or application. 
They are concerned that if the account is not mine. They would have disclosed private credit files without permission of proper XXXX XXXX. 
There are at least XXXX XXXX or XXXX or XXXX or XXXX XXXX living on the XXXX XXXX of United States. 

2 ) Equifax reports the account opened XXXX but if you look at the statement from XXXX ( copy attached to this complaint ) The opening date is XXXX 3 ) Equifax reports the XXXX delinquency as XXXX but if you look at the statement from Southern Maryland Electric Coop ( copy attached to this complaint ) The date of first delinquency is XXXX. 
Furthermore, the account was late from XXXX to XXXX each and every month incurring a late charge. But Equifax has failed to report any of the late payments accurately. 

By deleting the early late payments, Equifax and XXXX could continue to report at the credit bureau past the 7 year statute of limitations from first delinquency date. As commanded in the Fair Credit Reporting Act. Called inaccurate reporting and Re-aging.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Kindly my oldest credit card of almost 2 years XXXX XXXX is not showing on my " Equifax '' credit report although it 's showing on my XXXX and XXXX reports, I contacted my creditor XXXX and confirmed that they are reporting to Equifax but Equifax refused to add it to my report for some reason I could n't even know, I have been trying to resolve this issue for months with no luck, mainly due to Equifax being a horribly structured company where they asked me to get XXXX in a conference call to be able to help me and when I did that after a few days Equifax said we are sorry we ca n't help you nor transfer you to any department who can help you. 
Worst experience of customer service in my life is dealing with Equifax , I honestly ca n't believe how they are still in business!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax , when requested to allow me to speak with an American, rather than someone in XXXX, repeatedly hung up on me.

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 — No notice of investigation status/result
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am filling 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 accounts I disputed. Being that they have gone past the 30 day mark and connot verify these accounts, 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. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
All my student loan has been paid and charged off. i call department of education and the confirmed it. the even went and check the national student loan database and my account was clear but my credit report show multiple student loan thru multiple collection agency those informations are not true and needs to be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06 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:
Once again, Equifax denied me a the yearly free credit report I 'm entitled to. I answer all their questions correctly, but they denied the report nevertheless with no explanation whatever. For how long are you going to allow them to get away with this practice, as it is a violation of federal law?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Equifax refuses to report and remove foreclosure correctly. My original loan through XXXX XXXX went into foreclosure. The loan was sold/transferred to XXXX. Where the foreclosure was finalized. The XXXX XXXX is due to fall off my reports as a foreclosure XXXX 2016. Equifax states they will continue to report XXXX account, even though it is the same loan and same foreclosure. I just want the XXXX account to be treated as the XXXX XXXX and be removed by XXXX 2016, 7 years from the first payment delinquency.

Company response to consumer: Closed with explanation