vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have a judgement ( XXXX ) that 's reporting on my Equifax credit report to a XXXX XXXX. I 've disputed this with all XXXX bureaus and Equifax is the only one that wo n't release it. Reason I disputed this account has a lot of inaccuracy 1. The actual docket I 'm going to enclose with this dispute has a different name and date. I have another judge on my credit report that does n't even come up on public records and that case number ( XXXX ) From XXXX XXXX XXXX. Prior to reviewing my credit report I did n't know anything about it. I 've been disputing these negative items since XXXX XXXX. Please help me get this resolved. I have an address on my Equifax that I never resided at which is XXXX XXXX XXXX, IL XXXX. My bankruptcy was filed XXXX/XXXX/XXXX Equifax is reporting XXXX/XXXX/XXXX I 've contacted them 4 times about this they says they 're reporting correctly. Equifax is reporting a collection on my account but did n't list the name of the company only the debt and the amount. They 're listing XXXX XXXX XXXX as being opening on XXXX/XXXX/XXXX that 's incorrect. I have an alleged debt with XXXX XXXX that I 'm unaware of but XXXX and Equifax is reporting XXXX date as opened and XXXX has a completely different date. XXXX Now has XXXX different date on my XXXX and XXXX. XXXX XXXX is being showed as a collection account on Equifax and also shows included in my Bankruptcy that was filed on XXXX/XXXX/XXXX but it says the open date was XXXX/XXXX/XXXX. How is that even possible when no new accounts can be included into a previously filed bankruptcy? XXXX XXXX XXXX is reporting on all XXXX bureaus incorrectly. Equifax is reporting XXXX XXXX as and account but that was included in the Bankruptcy but they took it from off bankruptcy and said collections the date says XXXX/XXXX/XXXX that should have been deleted since 7 years has passed. XXXX is being report with XXXX different dates on all XXXX bureaus. XXXX XXXX is being reported open on the wrong day on Equifax. I 've included all my proof with this dispute. XXXX has a lot of inaccuracy also and they told we that they wo n't reinvestigate these inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-10 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: DISCOVER BANK
State: MD

Complaint narrative:
Since the beginning of XXXX, I have been unsuccessfully trying to have the funds from an IRA CD, maturing in mid-XX/XX/XXXX transferred to the XXXX Now, at the beginning of XXXX the Discover bank is still struggling to accomplish this. Contrary to my explicit oral and written requests Discover has rolled over the CD and then assessed a premature withdrawal penalty when the CD was terminated.at the end of XXXX. ( I submitted the proper XXXX and Discover forms weeks prior to the CD 's date of maturity ) On XXXX XXXX, the following was part of my message to Discover, " I find the length of the whole process excessive and the paperwork tedious, The prospect of having to do it again for my other XXXX CDs is unappealing, So, I now would like to update the request to include the transferring of the funds from CDs XXXX, XXXX, and XXXX to the XXXX ''. 

We are now more than a month past XXXX with only my zeroed out CD accounts to show for this passage of time. Following is the Discover response to my question of why the full amount of the CDs was not redeemed. " Due to the fact that the CDs were closed outside of maturity there were Early Withdrawal Penalties ( EWP ) applied, per the Deposit Account Agreement. '' Is this a fair system, upheld by FDIC, that the bank can ignore a customer 's request, do him damage, and then penalize him? 

Currently, the XXXX has checks for the CDs but no supporting documentation. The XXXX refuses to process the money until a completed XXXX form is provided by Discover. According to the XXXX, any funds they receive in my behalf from Discover will not be cashed or earn any interest. Meanwhile, Discover, sits on the money and presumably makes free use of it. So, at this point, I do not have a CD, an investment in the XXXX, access to my money, or much confidence in the system.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have informed Equifax numerous times via online dispute, fax and certified mail that some accounts on my credit file are reporting as if I am or have previously disputed them in which is incorrect. The creditors stated that Equifax is responsible for updating their records in a timely manner after information is submitted to them. The only disputes that I have about the accounts is that they reflect as if they were or are in dispute. I have requested for the additional information to be deleted from the accounts from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I disputed my Equifax report in XXXX with supporting documentation showing the account status in the Equifax report are incorrect. However, it still shows incorrect information and Equifax agency is disregarding the supporting documentation to support my dispute with the XXXX XXXX XXXX account XXXX.

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

Complaint narrative:
Equifax is reporting incorrect information this not my account XXXX CASE NUMBER : XXXX XXXX XXXX XXXX have fail to validate this account and so have Equifax at my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
I financed my mortgage XX/XX/XXXX. Servicing of my XXXX Mae-backed mortgage is now in the hands of Seterus , Inc . It went from XXXX XXXX to XXXX and to Steterus, effective XXXX XXXX, XXXX. Due to errors caused by XXXX, I was forced to file bankruptcy XX/XX/XXXX. XXXX used this as an excuse to stop sending mortgage statements and return envelopes at that time. Although XXXX sent me statements for a few months, eventually they too denied me the standard mortgage service of providing a monthly statement with a self-addressed, return envelope. I simply mailed my check every month to a post office box. I have XXXX mailings from Seterus, XXXX with a different variation of my name. I have requested ( 3 times ) that they send a monthly statement with an appropriately addressed return envelope for my mortgage payments to me with MY name in the address. This seems to be a reasonable request to make to a servicing company. How else can I know that my payments are received and my escrow payments are distributed correctly? I have not received any accounting on this mortgage since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax does not employ Americans and forces me to give my personal info to people in XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
equifax shows a car repo from 2008 on my report twice all other agencies do not show it at all after i filed bankruptcy which this was covered in the bankruptcy even if it should be there it should not be there twice this is greatly affecting my credit score

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: IL

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 accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are requested to " promptly delete all information which can not be verified 'that I have disputed. Please resolve the manner as soon as possible. Thank you

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

Complaint narrative:
i received an annual statement from Seterus regarding PMI from my mortgage statement which detailed how PMI could be cancelled/terminated. XXXX of the ways stated was that if the current balance ( $ 291K ) was less than 78 % of the ORIGINAL APPRAISED VALUE of the property ( $ 399K ) - PMI would be terminated. I called and tried to explain that the Loan to value on my loan was 73 % based on the original value and asked why PMI had not been terminated and that since it should have been terminated when the loan to value became 78 % - i was owed a refund of all excess payments i had made. At first the rep XXXX XXXX XXXX said i had n't reached the required level ( despite going through the notion with him of calculating the original Loan To Value and current Loan to value ) and then stated some nonsense about interest being added back in order to calculate Loan to value. I stated that did n't make sense. He said of course it did as the Bank needed to make money on the loan. He said he would send me a package so that i could request the cancellation of PMI. I told him not too as that was n't the program under which the PMI should have automatically dropped off. I then asked if he was new to the position. He stated he was n't and understood PMI and how it worked. I then asked for a supervisor. He said there was no need as the supervisor was just going to repeat what was on his screen anyway. I insisted. He asked me to hold on and never came back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Hello All, I recently learned of the negative impact hard inquiries had on credit score so I checked my credit and realize that there are several hard inquiries on my credit report that posted in XXXX2016. I called both Equifax ( spoke to XXXX emp # XXXX ) and XXXX ( spoke with XXXX XXXX but refuse to give me emp # ) to have inquiries removed for reason that I did not apply for credit with these companies but they will not take my word for it so now my only option is to come here and see what help I can get in resolving this issue. Thank you in advance for your time and consideration on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been disputing incorrect information on my report. Equifax has only send me back a full credit without any response concerning my disputes. I have indicated specific items such as re-aged accounts, schedule payment amount for accounts that are sold or transfer and XXXX has fail to verify the accuracy of this accounts. As Im writing this complaint XXXX/XXXX/2015, this would be the 3th time that Im requesting Equifax to investigate and they have fail to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are some things that I have paid off on my credit that is still showing open.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have shown the credit bureau documents of proof of these items that either are now closed out or paid in full that should not be on my credit report but they are failing to do there job properly. I also asked to get the information that they used phone numbers etc and I have not gotten any of that information still. It 's like they let the computer do the work and they do n't get anything done accurately. And the XXXX different collection agency did some illegal stuff with the dates and I advised them of this and they still did nothing. Representatives are rude and try to rush you off the phone barely willing to help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
For the past year, I have been in correspondence with Pressler and Pressler regarding at XXXX account. Prior to bring sue ( unknowingly ) by this company, I provided proof that I have been collecting unemployment benefits since XXXX XXXX. I also sent then another company in XXXX XXXX. On XXXX, XXXX, XXXX, XXXX constable by the name of XXXX XXXX withdrawal funds in the amounts of {$890.00}, which is not the amount owed, from my account without my permission. This practice is against Federal and state of NJ laws when collected monies owed. I am currently on Welfare due to my unemployment benefits being exhausted. This company is refusing to reimburse my funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
XXXX XXXX is reporting a collection account from XXXX on My XXXX, Equifax, and XXXX credit report as an open account. There has been several requests for validation of debt, but none provided from each credit reporting agency. I have no knowledge of said debt. I am also concerned because this information was shared illegally ( third party ) without my informed and expressed consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
last XXXX i pulled my equifax credit. since then i have purchased nothing and not been late on anything. today i was denied credit because of equifax. today they are not providing my credit report and are insisting that i MAIL in photocopies of my SSCard and Utility Bills. I am in the system, something is going on with my credit and i am being treated unfairly. TIME IS OF THE ESSENCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
We have a loan # XXXX originally from XXXX XXXX that has been serviced by Seterus, Inc ( Formerly XXXX Lender ) that has never been late ( account was always in good standing ), but since XXXX XXXX they have misapplied payments to all principle instead of applying to the interest installments. We have had to call every month since to attempt to correct then, and they have not been able to do so. They adjust it after several calls a month, but for the latest month ( XXXX XXXX ) they have not been able to correct it and have been very incompetent about it. Leading us into a situation where we were considered late despite making the payment on time ( actually two weeks early, including extra ). We have no escrow accounts. 
Prior to this we had issues with them and claiming we did n't have flood insurance ( when we did ), and generally a horrible experience with the company on a loan with otherwise no issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
My Alabama state tax lien was paid and released in XXXX/XXXX -- Income Tax Year : XXXX Case : XXXX Lien : XXXX However, it 's still showing up on two of my credit reports ( Equifax and XXXX XXXX. The fact that it is still on my credit reports has caused me to be denied a loan and has also caused my XXXX score to drop significantly. Other than this tax lien, my credit is PERFECT. 
I disputed this a couple of years ago but each of the credit bureaus told me that it has to stay on my credit reports for 10 years! 
You should also know that I was n't even aware that I owed the state of Alabama DOR any money. I did n't even know there was a tax lien until I noticed it on my credit reports. Needless to say, I paid it as soon as I could. 
I have worked very hard to maintain my excellent credit rating and have been a law-abiding and attentive consumer. Yet because of a ridiculous rule, I have to suffer this " punishment ''? When is someone going to start looking at these types of situations and realize that they only hinder the consumer? The whole credit reporting system has been messed up for years. 
I have attached a letter from the Alabama DOR stating that it has been " paid and released ''. How can I get Equifax and XXXX to remove this negative item?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-24 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I submitted dispute claims which included several items of dispute, via certified mail to both Equifax and XXXX, on XXXX XXXX, XXXX. Equifax received the dispute claim on XXXX XXXX, XXXX per the XXXX XXXX XXXX certified mail receipt and XXXX received the disputes on XXXX XXXX, XXXX. Per the Fair Credit Reporting Act of XXXX, disputes should be answered within 30 days. As of this date, I have not received documentation indicating an investigation of any kind from neither Equifax nor XXXX. I actually spoke with XXXX the Resolution Supervisor, ID XXXX. XXXX at Equifax. He claimed that there was nothing that he could do, but was willing to provide record of an investigation, which would have been after the 30 days. I did not speak to XXXX, but the same ruling applies, per the Fair Credit Reporting Act. 
As a result of non-compliance by XXXX credit bureaus, I am requesting that you enforce my disputed items to be removed by the bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am trying to apply for a mortgage loan, and all banks are not able to pull my equifax credit report. I have spoken with equifax multiple times where they have guarantee me that there is nothing wrong with my report and that everything is correct. I 've had different backs attempt to pull my report with NO success. They are only having a problem with equifax. They are able to pull XXXX and XXXX with no problem. This is costing huge problems with my living arrangements. 

I need my bank to have the ability to pull my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I did a dispute with the equifax. I was living with my parents as a XXXX under the age. I was living with my mom 2 to 3 years prior to this company reporting on my credit when I became of age they told me I had to go on the lease as a tenent and was only XXXX they said even because I was staying there I was not paying rent and was a XXXX XXXX still in School. They attached the balance of the bill on my credit report this is affecting me to get a place and continue on with my life, They attatched this reporting to my moms credit as well and she is the responsible Party. I do not believe I should be held accountable for this bill Im just trying to start off and it has effected me greatly.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There appear to be some hard inquiries that I did not incurred. In fact, I have contacted the original creditor, and for some reason they have no records of this inquiry ever been posted. I have already disputed the account with Equifax, and they do not want to comply or remove it from my report. 
Inquiry name : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
A judgement is listed on my profile although it should not be as it was included in my bankruptcy. This is only incorrectly reflected on equifax and I have repeatedly disputed the matter with them and they contact the court as opposed to the creditor. I 'm not certain why it 's only incorrect on this profile but nothing is being done to resolve the issue. I was referred to the court which indicated they do n't report and the creditors indicated they do n't report as they received the bankruptcy information. At XXXX point it was reported correctly but as of XXXX 2016 I have not been able to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: NY

Complaint narrative:
I HAVE FILED FOR A MORTAGE MODIFICATION MULTIPLE TIME OVER THE PAST XXXX YEARS. THE SERVICER HAS REPEATEDLY DENIED MY APPLICATION CITING FACTUALLY INACCURATE/INCORRECT REASONS FOR DENIAL. 
AFTER XXXX YEARS OF MULTIPLE FILINGS/REQUESTS/DENIALS, THE CURRENTMORTGAGE SERVICER FINALLY OFFERED A TRIAL MODICIATION PLAN WITH AN XXXX GUARANTEE NOT TO FORECLOSE. I AM I 'M CURRENT IN MY PAYMENTS ON THE MODIFICATION HOWEVER, A LAW FIRM RECENTLY SENT ME A NOTICE OF FORECLOSURE/SALE. ADDITIONALLY, I 'VE BEEN REVIEWING MY ORIGINAL MORTAGE DOCUMENTS AND REALIZE THE INTEREST RATE ON MY LOAN IS A XXXX PERCENT HIGHER THAN WHAT IT WAS SUPPOSED TO BE!

Company response to consumer: Closed with explanation