vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX issues : 1. I newly arrived the USA on an XXXX in XXXX, 2012, but could not obtain a Social security number until XXXX, 2012. I rented an apartment with XXXX, paid with my XXXX-based credit cards ( because I could not open a USA account. On XXXX XXXX, XXXX refused to accept payment by credit anymore and required that I pay through a bank account ; which I could not. 

Aside from this difficulty, the apartment was bug-infested. I made XXXX complaints in XXXX that I could not for medical reasons continue to stay in the apartment. After XXXX unsuccessful attempts to debug the apartment, I was offered another equally bug infested one. I moved out of my bugs-infested rented apartment. Residence management failed to attend legal arbitration when I reported bug infestation to the Maryland Attorney General. I signed out properly from the residence, assured that my rental agreement was mutually resolved. Yet, debt collectors have been on me since 2012, seeking to collect grossly overinflated claimed-default. Claims of a default have been listed on my credit report. 

2. I applied for a credit card with XXXX ( 5 ) times. On each occasion XXXX incorrectly reported that my credit score was XXXX ( XXXX ) ; even after I showed evidence to the contrary. I have had to close my account with XXXX because I never got any explanation for the erroneous credit score. XXXX credit enquiries within 1 year has affected my credit report, forcing me to secure credit at high rates. That is just wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
information added to my credit report was false and collection agency agreed to delete, equifax also agreed to delete and XXXX year later information is still not deleted, equifax will not allow me to dispute online and will not answer my letters by mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
The bankruptcy reporting has several inaccuracies. Reference Number XXXX. I do not know the source of their information on this bankruptcy and because of the Equifax has violated the Fair Credit reporting Act. I am requesting the removal of the bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I finalized a " deed in lieu of '' several years back and with that came a release of my second or line of credit unfortunately XXXX did nothing and left the original second loan on my report. Attached is a letter verifying that is was approved. I really need to get this corrected can you help. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I Disputed on XXXX XXXX, 2016 and the Equifax is in violation of federal laws for not responding on time. Equifax was supposed to delete all the items because of failure to respond.

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

Complaint narrative:
Equifax has placed on my credit file voluntarily dismissed chapter XXXX bankruptcies # XXXX, XXXX and XXXX. It is Equifax position a " Dismissed/Discharged Chapter XXXX Bankruptcy remains on the credit file for ten years from the date filed ''. Equifax needs to familiarize themselves with 15 U.S.C. s 1681c s 605 ( a ) ( 1 ) regarding the statue of limitations on bankruptcies. 

( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) no consumer reporting agency may make any report containing any of the following items of information. 

( 1 ) Cases Under title 11 or under the bankruptcy Act that, from the date of entry of the order of relief or date of adjudication, as the case may be, antedate the report by more that ten years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have disputed this collection account multiple times with no resolution. This account was discharged in a bankruptcy in 2012, but it is being reported as an open collection. It should be reported as a closed collection that was discharged in bankruptcy. I have asked numerous times for the status to be changed from open to closed and the only response I receive from Equifax is that the account belongs to me! I know that! BUT IT SHOULD NOT BE REPORTED AS AN OPEN COLLECTION! All other Credit reporting agencies have changed the status except Equifax! I have also filed a complaint against the collection agency for falsely reporting this account as an open collection.

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

Complaint narrative:
A review of my credit report has identified a public record dated XXXX/XXXX/XXXX, Judgment ( XXXX XXXX XXXX XXXX XXXX, Case XXXX ). This public record is a civil judgment regarding a bad debt to a credit card issuer. While the original trade-line has been deleted and replaced with the judgment, the original Date of First Delinquency was XXXX XXXX. Based on the information in my credit file, it is due to be deleted in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I completed and signed a foreclosure settlement with XXXX XXXX XXXX on a property through my attorney on XXXX/XXXX/XXXX. Shortly after, another lender I do not know and never had any dealings with named " XXXX XXXX XXXX '' began sending me default notices and late payment bills after the settlement agreement was recorded on XXXX XXXX. I was never able to get in touch with XXXX or find out how they are involved. Since then, my credit report shows both " late payments '' and " foreclosure '' listed under also XXXX XXXX management, in addition to the late payments listed for XXXX, with identical origination dates. In other words, the settled debt it is now listed as duplicate on my report -- once as XXXX and again as the XXXX company who I 've never had dealings with. After many letters to all XXXX Credit reporting agencies requesting verification, I was successful in removing XXXX entry from the XXXX CRA back on XXXX XXXX. Unfortunately after repeated requests to investigate, incorrect information remains unchanged on both my XXXX and Equifax reports and neither CRA has given me documentation of any debt owed to this XXXX company. I have attached my foreclosure agreement I signed XXXX/XXXX/XXXX and also credit reports of XXXX and Equifax showing the incorrect XXXX entries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
I was sent a letter of escrow shortage from the servicer Seterus, Inc. formy mortgage and paid it so that the new payment would not increase toomuch. Seterus has yet to properly apply the {$590.00} payment and for thelast XXXX months the statements that have been issued still shows anincorrect payment due amount. I 've tried calling Seterus, Inc. severaltimes to no avail. I was told that by XXXX the statement shouldshow correct amount due, but when I went online to make payment today, it isstill incorrect. They are also adding a {$5.00} processing fee that is paid when Imake my mortgage payment into a suspense account. I do n't under-stand why the {$5.00} fee should show on my statements at all because theamount is paid to XXXX XXXX for processing - a totally separatecompany of Seterus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
There is an entry on my credit report that states that I owe the Department of Veterans Affairs {$3100.00}. This account has been paid in full. I am submitting documentation that will show that not only has the account not been reported correctly for several months, but in fact that I no longer have a balance on this account. The entry from the VA needs to either be updated properly or deleted from my credit report. This account has been disputed several times and each time the Department of Veterans Affairs has verified the information as correct when each time payments had been made that reduced the balance. There had even been documentation submitted which proved the balance was incorrect. 

The attached documents are : Letter from the VA to my congressman verifying that the actual amount I owed at the time was {$1800.00} ; receipts from the VA that show a total amount paid of {$1800.00} and XXXX letters from the VA which show that the account is Paid in Full and that I should not send any additional payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Police report and supporting documentation were sent to all XXXX credit reporting bureaus regarding identity theft and fraud that has lead to derogatory information on my credit reports. I have since received a response of all XXXX credit reporting agencies notating refusal to cooperate. My attorney sent a letter demanding the cooperation of the XXXX credit reporting bureaus under Fair Credit Reporting Act ( FCRA ). I have also sent a notarized statement with color certified true copies of my Social Security card and drivers license, along with a copy of the letter from the attorney. XXXX reports additional delays at removal, even though my first request for removal of the inaccurate information was 5 months ago ( in XXXX of this year ). Equifax refuses to update my information because my correct Drivers License does not match their incorrect records. XXXX has not responded, indicating their refusal to cooperate with FCRA. Under FCRA, identity theft victims have additional rights, and I may seek damages from violators. I am already suffering damages in the form of increased rent, increased insurance costs, and denial from continuing my college program ( financial aid ) until the inaccurate derogatory information is removed. This has already been going on for six months, and I have already made repeated requests to all XXXX credit reporting bureaus to remove the inaccurate information. Given my small XXXX insurance income, these delays from the credit reporting bureaus pose undue hardship to me. Further, expenses to seek damages from the credit reporting bureaus in federal court would be punitive, posing additional undue hardship. I request assistance in removing the incorrect information and seeking punitive triple damages from the credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: GA

Complaint narrative:
I applied for a loan modification back in XXXX 2015 and submitted all the required documents timely. Called back every week and spoke with Seterus and documented each call. I was told that all my documents had been submitted and are in process. The Seterus representative told us that it was passed to the processor for final approval. In XXXX 2015 we received a letter stating that we were denied loan modification because we did not submit the requested documents timely. We called again, and was told that the letter was sent in error, and call back in 2-3 days for final approval. When we called back we were told that our application had expired and we needed to resubmit every document. It 's clear that they are running a scam with no intention of doing loan modifications.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
On two occasions, Wells Fargo intentionally ignored a wire transfer amendment from my issuing bank to my Wells Fargo ( XXXX XXXX, MN ) checking account, countered that they can not amend the wire transfer because they do not have the funds, but actually had the funds and withheld those funds from our checking account for two weeks, and then resent the funds back to the issuing bank minus a {$25.00} fee. Subsequently, I had to rewire those funds to my Wells Fargo account, and pay a whole new set of fees. 

This Wells Fargo scam of ignoring wire transfer amendments and blatantly lying about holding funds, all just to overcharge clients with multiple fees is just plain wrong. I have documented proof that Wells Fargo lied about the funds whereabouts and were withholding funds, all in an effort to avoid a simple wire transfer amendment, in order to steal from me ( either by ripping me off on fees, or possibly taking the whole {$1500.00} if I never insistently claimed to get the money back ). Shame on them. 

I tried to be reasonable, and only seek reimbursement for the fees charged after the blocking of the wire amendment/withholding of the funds. I did not seek damages for initial wire transfer fees, my time and frustrated efforts, or for the harm my son suffered for only having {$120.00} to live on for two weeks while Wells Fargo was withholding our funds. These fees in which I sought reimbursement were as follows : 1 ) XXXX XXXX : Wells Fargo {$25.00} wire fee for returning funds, Wells Fargo {$16.00} wiring fee for receiving same funds again, XXXX {$30.00} wiring fee for issuing funds again 2 ) XXXX XXXX : Wells Fargo {$25.00} wire fee for returning funds, Wells Fargo {$16.00} wiring fee for receiving same funds again, XXXX {$30.00} wiring fee for issuing funds again. 

For the XXXX XXXX period, I had already deleted my email to XXXX XXXX of the XXXX XXXX branch requesting a refund of inappropriate fees. But will provide documentation if needed. Relatedly, I can provide original documents for each of the fees from XXXX and Wells Fargo from XXXX XXXX and XXXX XXXX upon request. 

Thus, I claimed {$140.00}. Wells Fargo not only refused, except for possibly {$16.00}. But stopped corresponding and would not return my calls, hoping that I would forget about it. Well, I am not going away, and would like you to help me to make them pay.

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 monetary relief
Consumer complaint received 2015-05-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have had to repeatedly submit formal notice and demands in accordance with FCRA for Equifax to remove the fraud alert from my credit report. They have repeatedly purported that " no fraud alert currently appears '' on my credit report. And then when I access my credit report again, the fraud alert ( " EXTENDED FRAUD ALERT '' ) is conspicuously appearing at the beginning of my report. I reckon that 's their angle : to remove it from consumer view temporarily and tell me that it 's not " currently '' appearing ... and then reinsert the fraud alert. This has occurred now well over XXXX times. They can no longer make a claim of negligence. This is willful, and it has caused me irreparable harm. It needs to be permanently removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax continues to put inaccurate information on my credit report. I have sent them adequate proof to remove this descrepancy XXXX debt collection XXXX off my credit report. I was denied credit with XXXX because of the debt collection. Equifax have not removed this collections off my credit report, even after I have sent them court documents where this case was dismissed by XXXX XXXX XXXX due to the fact they could not verify this debt as belonging to me. I have repeatedly written Equifax asking them to send me the " Method of Verification '' used to verify this debt as belonging to me and they refuse to send me anything. Equifax keep saying it was verified. After getting legal counsel to help with this issue, my attorney XXXX XXXX XXXX XXXX XXXX XXXX asked XXXX XXXX XXXX XXXX send them verification that the debt belongs to me. XXXX XXXX, never received anything from XXXX XXXX XXXX that they verified that the debt belongs to me. So, XXXX XXXX XXXX eventually dismissed the case against me. I sent Equifax a certified letter on XXXX XXXX, 2015 asking them to remove this debt collections of my report, with the court documents that it was dismissed by XXXX XXXX XXXX and still to this day I have yet to receive anything from them and the debt collection is still on my report. I sent the same documents to XXXX and they finally removed the debt collections off my credit report ( I added this to the PDF file, also ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I have disputed several accounts on my credit report with Equifax several times. I first disputed with the original creditors, XXXX, XXXX XXXX, and XXXX XXXX Solutions and after 3 letters did not receive any correspondence with proof. I sent copies of the letters and certified mail receipts to the credit bureau but they continue to verify these debts without copies of any proof with my signature. A statement of dispute was also never put on my credit report. Equifax only continues to update the accounts associated with these creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: MA

Complaint narrative:
My mortgage was sold in XXXX by XXXX Mortgage to XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX. Notice from XXXX arrived 2 days late. Informed NOTHING would change. Called Seterus to make payment and was Instructed to wait until the XXXX to contact them. 2 days later received letter from Seterus saying I was late with mortgage payment. Made payment and 2 days later received large package of information on foreclosure citing that was behind in payment. I called Seterus ' " customer service '' concerned I have a history of a late payment with this company and wanted to know why. I was hung up on. 
I have paid XXXX, XXXX and XXXX 's payments but then I get a notice of an escrow increase. That is odd. XXXX reduced by escrow in XXXX based on actual payments to city. and I have not been notified by the city of any increases in tax bills. Is this increase for increased Seterus fees? If so what happened to all terms remain the same? 
I would ask for full accounting and audit of my account and any reference on record be redacted from ALL records owned by or under control of Seterus.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-06 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: MN

Complaint narrative:
We have a mortgage with Seterus ; it is an interest only loan ; We were contacted in XXXX XXXX that they changed the terms in XXXX XXXX without notify us. At that time I asked for the details on this and contesting the loan, which by the terms of the loan stop all late fees and additional interest at that time. I have, in writing both via letter and fax sent them the request for this and it took them until XXXX XXXX to get me the details, and then only after the Attorney General of MN office had been contacted and was working on this case. During this time Seterus called us weekly and we always took the calls and we always explained what needed to happen and that we are contesting the loan. Once we received the information it was identify they sent the information to the wrong address. We have continue to pay the old monthly payment and will do so until they correct their mistake. We have continue to ask them to remove all late fee 's and interest charged in XXXX because of their mistakes. Our mailing address did NOT change in XXXX or XXXX and this as a mistake do to Seterus record keeping errors NOT ours. We also have asked them to correct all the negative reporting to credit agencies and provide us with a report showing us that this has been done with a letter stating it was their fault incase an agency comes asking in the future. We have been contesting the lone until this point and due to terms of the loan they should have stop late fees and foreclose process. On several cases including the following I was told the case was being contested and ALL late fees would be on hold- Including-On XXXX XXXX XXXX said she was doing this ; XXXX XXXX said she was doing this on XXXX, also XXXX XXXX XXXX said she was. Please understand this has been more than XXXX faxes and Seterus HAS confirmed they have received them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I was denied credit with XXXX bank on XXXX XXXXXX/XX/2015 for a loan. I received a letter notifying me that due to the Equifax report this is why I did not get the loan. I tried to submit on line, XXXX to get my free report, but this came up, " Please Note Online Delivery UnavailableAt this time we are unable to deliver your credit file online. You may call us to request your credit file be sent to you by contacting us at XXXX. 
Print this Page '' I called the XXXX number and followed all the prompts and at the end was told that I needed to enter a credit card and pay XXXX for a report or XXXX for a report. 
This is pretty good, they can arrange anything they want to put out there for creditors to see whether it is right or wrong. If you try to get your report, which is supposed to be free if you are denied credit, they charge you. So you could be a victim of identity theft and Equifax does everything to help keep the info from the victim. I tried to reach a real person which you can not. All they want is a credit card.

Company response to consumer: Closed with explanation