vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Checked my credit report via XXXX and noticed numerous invalid residential addresses, misspelled names and phone numbers I 'm not associated with at all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Requested fraud alert be removed, they removed it and reinserted it. I want it removed. XXXX XXXX XXXX account is still being reported, even though XXXX XXXX XXXX pulled it from collections and XXXX the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I filed a dispute with Experian disputing, XXXX XXXX XXXX XXXX, which is showing a past due balance of {$900.00} and I filed Chapter XXXX bankruptcy including credit first which means that it 's suppose to have a {$0.00} balance and report that it is included in chapter XXXX bankruptcy, another one is XXXX which is reporting twice for {$100.00} and once for {$440.00}, and also there is a chapter XXXX bankruptcy that is reporting incorrectly, such as date and case number and amount, when I asked them how they verified they stated that they used a 3rd party data mining company when they are suppose to speak with someone to verify the information themselves, and not use a 3rd party company. I sent letters asking how the other information on my credit report was verified they sent a letter stating that they have some new information and that it will take an additional 30 days, I thought that the credit bureaus had 30 days to investigate and if they are unable to resolve in the 30 day timeframe they are suppose to remove it from the credit report and not say they have an additional 30 because the have new information. If they have the new information why do they need an additional 30 days when they can go ahead and update my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are inquiries on my account that do not belong there.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is still listing an account that is past the 7 year reporting period in violation of the FCRA. XXXX XXXX XXXX account number XXXX. 
Attached is a copy of the item on my Experian credit report. Please note the STATUS DETAILS where it states that this account is scheduled to continue on record until XX/XX/2017.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My credit score dropped over XXXX points in less than a week due to what is show as a " Serious Delinquency. '' The payment was 9 days late due to a technical issue with online bill pay ( I was sent a physical check made out to XXXX whereas the funds should have been wired ). XXXX refunded the late fee due to the error and reviewed the check yet still the credit agencies deflated my score. The payment was for {$130.00}. It is currently listed as a 30-day serious delinquency

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is reporting inaccurate information on my credit report passed the 7 years statue of limitations ... ... why? ive tried to contact them in regards ... .its against the law to report items for 14 YEARS ....

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian fails to remove the XXXX account. Experian reports incorrectly the current Date of Status. Experian reports incorrectly that this account is past due. Experian reports incorrectly that this account has a credit line of {$40000.00} and yet my debt is above the credit line which causes me to go 990 % above authorized usage. Experian continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have recently checked my credit report on XXXX XXXX, and saw that on the Experian report and address I have never lived at showed up. That address is in Pennsylvania, I have never even visited Pennsylvania. I that can be cleared that would great.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have made many attempts to rectify this issue with both Experian and XXXX XXXX XXXX XXXX. I never finance or open any loan account with XXXX XXXX XXXX. My sister open this account. This is not my account. My name is not on any financial instruments or obligation documents. I have called orange lake to discuss and as recent as today. I have yet to get any resolution to this matter. Please help me to get this account removed from my Experian credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: AZ

Complaint narrative:
XXXX 
1. SETERUS was not responsive to payoff requests, which resulted in them securing more time to collect interest payments - I believe they owe me interest that they collected past the closing date2. SETERUS is now not responding to my requests for a refund of {$1600.00}, as escrow funds they collected for city taxes are no longer my responsibility as I sold the home and they are now the responsibility of the new ownerI sold my home with a closing date of XXXX XXXX, 2015. Beginning in XXXX, the title company began contacting SETERUS requesting a loan payoff statement. After multiple faxes and phone calls, SETERUS kept claiming that not only did they never receive a payoff request, the title company was n't authorized to request the payoff, and it had to be done by me, the homeowner. I made multiple requests via phone and online, yet it took over a week to get a response and we finally received the payoff notice after the closing date. My loan was paid in full on XXXX XXXX, yet they have XXXX XXXX as the payoff date, which gives them 3 extra days of interest charges. The issue now is that I am having a difficult time getting the city property taxes they collected returned to me. The taxes are due XXXX XXXX and are now the responsibility of the new homeowner. SETERUS can not keep the money they collected, yet they will not give me a definite answer on sending it back to me, just that the refund is pending. I have made multiple phone calls, and SETERUS does not have a way to be contacted via email. I need help getting SETERUS to send me the refund check for taxes collected, yet no longer my responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 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 filed an online dispute for inquiries on my credit report. The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. None of these fits this requirement. Opened dispute on XX/XX/XXXX and received a response on XX/XX/XXXX that each and everyone was a factual record of file access. That is the problem file access by companies that do not meet the guidelines and no information from Equifax showing how they validated each and every one of them. I would like to have these removed and Equifax needs to know that spending 2-3 days on a response would not allow for anyone to do any kind of research or proper validation against the rules and regulations stated in the FCRA. I look forward to your assistance in this matter!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: UNITED MORTGAGE CORP
State: PA

Complaint narrative:
On XXXX XXXX, 2015, XXXX XXXX ( NMLS # XXXX ) with United Mortgage Corporation sent us the terms we had agreed to in order to refinance our mortgage with his company : 30 yr fixed at 3.75 % ; monthly payment of {$910.00} ( principal and interest ) ; paying off XXXX of our existing loans and leaving us with {$15000.00} cash out. This information was given to us in an email. We completed the process of sending him all of the required paperwork. Three days before we were scheduled to close, he called with the closing date and then said the next order of business was to discuss what our interest rate would be. When we questioned him on the fact that we had agreed to the loan with the fixed rate at 3.75 %, he then went on to say that the rate had adjusted over the three week period of time that it took to get our loan approved and ready for closing. We were shocked, to say the least. He went on to tell XXXX that the 3.75 % was no longer available and that it should be 4.25 % but he would do it for 4.125 % because he felt " bad '' that it went up so much. XXXX told him we would not do the 4.125 % and that we had agreed at 3.75 % and that 's what we wanted to close with. At this point, we had already given him {$420.00} to start the loan process with the home appraisal, and of course, went through three weeks of giving him all of our personal information in order to close on the loan. To make a long story short, we went back and forth many times over many, many weeks. During that time, we were able to secure another loan at 3.75 % ( which XXXX XXXX had told us was impossible ), and also learned during the XXXX process that the rates never had gone up to the 4.25 % and that more than likely it was a type of bait and switch scheme. We had to, of course, pay the new bank another appraisal fee and had to go through another whole house appraisal within 30 thirty days of the initial XXXX, and could not use the appraisal that we had done with United Mortgage because of the new government stipulations and regulations on home refinancing. We also want to note that during the weeks of back and forth with XXXX XXXX from United Mortgage, XXXX asked him multiple times to speak to his manager, which was always met with a " no, '' and that there was " no one here for you to talk to besides me. '' We were lied to, a lot of our time was wasted, and we are nervous about our personal information being used inappropriately. At very least we would like to recoup the {$420.00} appraisal fee from United Mortgage Corporation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In XXXX of 2015 an auto pay was set up for equity line with XXXX through our XXXX personal account but amount was set up wrong only because our first statement reflected partial month. Our payments were made on the same day of each month in the sum of {$400.00} instead of the {$680.00} which was the correct amount. We have another mortgage with XXXX for which we have been making an extra payment of {$2000.00} per month for the past two years to reduce principal. Lender never notified us about the shortage in payment via phone, text or email -although this information was provided to them ( myself, my husband or my office ) nor did they ever send a late payment letter in the mail until XX/XX/XXXX. Due to the lender 's failure to properly notify us. We have several mortgages with our businesses, credit lines and credit cards and we have never been late for the past 25 years ) our credit score dropped almost XXXX points and line was closed. If lender -had given us a fair chance to remedy the error, this problem would have been resolved immediately. 

remove late pay from all XXXX credit bureaus- an inadvertent error in auto pay amount when payments were made every month & when a payment of extra XXXX was made to the same lender on another mtge is totally unfair and prejudicial - consumers with no late pays for 25 years do not deserve to have their credit ruined when lender could have made sure to contact them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In XX/XX/XXXX we filed for bankruptcy. At that time XXXX was our mortgage company. In XXXX of that same year XXXX XX/XX/XXXX XXXX XXXX mortgage company also filed for bankruptcy. XXXX was listed as XXXX of our debtors, however we did not file against them. We planned to remain in our home. XXXX XXXX took over our account in XX/XX/XXXX. So in XX/XX/XXXX when we filed bankruptcy XXXX XXXX was no where on the paper work. We only had XXXX mortgage company, XXXX. I am not sure how XXXX XXXX was added to the bankruptcy since they were not our mortgage company at that time. 

We have continued to pay our mortgage. Never has a payment been missed and there has never been any late payment fees accessed on our account. Because we always paid and had not been in contact with XXXX XXXX it was not until recently that we discovered that XXXX XXXX was on the bankruptcy. Now we understand that because we did not reaffirm our mortgage payments are not being reported to any of the credit bureaus. We need to have this information of a bankruptcy against XXXX XXXX removed. It is not correct and is noted as a negative on our credit report. Once this is resolved we will do whatever needs to be done to reaffirm with XXXX XXXX and continue to make our payment on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
In XXXX 2015 I purchased a car for my daughter, paying CASH. 
Equifax reported that my credit rating was too low to buy a car using cash? 
They reported my bank account at XXXX % of its actual value. 
They said my rating had to be lowered.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Pressler & Pressler, LLP
State: NC

Complaint narrative:
This Pressler and Pressler Law Firm who is a debt collector, sued me without properly notifying me of the lawsuit, sued me where I did not live, attempted to/Collected exempt funds that were not mine and seized or attempted to seize property. 

In XX/XX/XXXX, without my knowledge or any sort of notice to me, they filed a lawsuit against me in XXXX for failure to pay a debt. They did not serve me and I never knew of the lawsuit, and as a result a default judgment was entered. I had moved out of XXXX in XX/XX/XXXX and now live in XXXX. I had no knowledge of this judgement and it did n't even appear on my credit report. They had the judgment for 6 years and never made any attempt to contact me. Then 6 years later, last Friday, they seized money from my bank account, a joint account that is held with my wife. 

We had no idea why someone was placing a legal hold on our account and had to contact the bank. I was given a number to contact Presseler and Pressler to find out more information. I called this company and they refused to give me any information except that it was XXXX, it is a debt from XX/XX/XXXX, they filed a case in XX/XX/XXXX, now have a default judgement and can take the money. I still do n't know what this debt is and why they think that I owe it. I do n't even know what type of debt it is, the company they say I owe the debt to, XXXX, I never had an account with. This may be a case of identity theft, but the person told me on the phone " they have the money now so they are not going to do anything else or provide me any other information ''. I do not even have any paperwork to upload or provide you because I was never given any. Its like someone came and stole money out of the bank account. 

The money they took was not even mine, it was my wife 's in our joint account. If, like they say, the debt originated in XX/XX/XXXX, this was before I was married and she is not liable for that debt. They also took personal property that was exempt from taking under XXXX Law, because the money that was mine in that account was much less than XXXX. They also came into and took money from a XXXX account with a XXXX judgment. 

I am currently in the process of filing a Motion to Vacate the Default Judgment, and also plan to oppose the Motion to Turn Over Funds. 

I did some research because I am still clueless as to what this debt is and found out that the CFPB last year fined this same Law Firm, Pressler and Pressler, and this same Company, XXXX, for the exact same practices they are still pursuing and using to harm me. I think that I may be a victim of fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My complaint is with Equifax. I 've reached out to Equifax customer services and more than four times regarding unauthorized hard credit inquiries reflecting on my credit file, some even showing two/three times a day apart. I was advised to contact the companies and advised them to remove the inquiry ; however, when contacting the companies they did n't see the inquiries on their end nor did they have acct information on me. When calling Equifax back the rep informed me she could/would not be able to assist me and I would have to simply wait it out and let it fall off. 

Unauthorized hard inquiries XXXX XXXX - inquiry date XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX XXXX - inquiry date XXXX/XXXX/XXXX XXXX - inquiry date XXXX/XXXX/XXXX XXXX - inquiry date XXXX/XXXX/XXXX and XXXX/XXXX/XXXX I have been a victim of fraud in the past with online attempts of applying for a credit card. I 've filed a police report in XXXX and even assure the fraud alert in on my credit report. I 've informed the rep of this information and she still declined to assist me. I asked for a supervisor and was placed on hold and eventually hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: ME

Complaint narrative:
I had full coverage insurance through progressive insurance company in XX/XX/XXXX. I was late in paying my XXXX XXXX bill and received a cancelation notice from them. I sent out the payment and after this received another notice that my policy was cancelled in XXXX. I got car insurance through another insurance agency for a cheaper rate. XXXX is demanding payment of {$160.00} for this account and put it in my credit report in XXXX XXXX. I paid my premiums through XX/XX/XXXX and did not make any more payments towards this policy due to the fact that they cancelled it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I HAD A STATE TAX LIEN GARNISHED FROM ME XXXX TIMES AND ITS ON MY CREDIT REPORT AS BAD CREDIT

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: OH

Complaint narrative:
I am challenging a Public Record Information on my credit report that is inaccurate in its filing. Although, " Dismissed '' means that it is adjudicated by the law, the credit reporting agencies are holding my credit status " HOSTAGE '' for the next 10 years. In the eyes of the Federal Government XXXX XXXX XXXX XXXX XXXX this voluntary dismissal does NOT exist!! 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 ''. 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 10 years. The XXXX Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation