vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-23 00:00:00
Product: Debt collection — Mortgage
Issue: False statements or representation — Impersonated an attorney or official
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
I filed a complaint with the Consumer Finance Protection Bureau regarding issues with Ocwen Loan Servicing and it 's predecessors not providing a 30 day FDCPA letter and I was told by Ocwen that additional time was needed and I was later contacted by Attorney XXXX XXXX XXXX informing me that his law firm represented Ocwen Loan Servicing in Complaint No. XXXX. I sent an email to XXXX XXXX as the letter clearly sated to contact him with any questions. I never received a response back from Attorney XXXX XXXX, but I have since discovered that Attorney XXXX XXXX is not licensed to practice law in the State of North Carolina. Valuable time was wasted by Attorney XXXX 's failure to contact me back and my property was sold on today, XXXX XXXX, 2016 at XXXX XXXX after Ocwen informed me on several occasions that the sale had been postponed. Once I had confirmation from Ocwen that the sale was postponed, I went to Ocwen online set up an appointment with my relationship manager to discuss alternatives to foreclosure while the sale had been placed on hold. The appointment was confirmed for today, XXXX XXXX, 2016 at XXXX. I was given a temporary relationship manager as my relationship manager was unavailable for the appointment time. At XXXX, during my appointment time, my temporary relationship manager informed me that the sale was postponed and that I could download the forms for a modification on-line. I called back again after the time that the sale was originally set for only to find out that the property was sold and that Ocwen had provided false statements to me regarding the postponement of the sale. I have attached a copy of the confirmed appointment time which mentions the fact that the sale was postponed along with a copy of the letter from Attorney XXXX XXXX, who is not a licensed attorney in the state of North Carolina.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
I have sent Equifax numerous requests to investigate and remove accounts from my credit report/file and they are not responding.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is reporting a late payment on XXXX credit card. That entire payment was for fraudulent activity, which was removed from my account by XXXX. Should not be reported as late, not my activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There are 4 credit accounts on my credit report that are over 10 years old. I have asked the 3 consumer credit reporting agencies to remove them and to date I have not received a response or any results.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I sent a letter to Equifax requesting a proper investigation regarding the public records on my credit report as I know that the XXXX public records should not have been placed on my credit report. I went to my local XXXX clerk office to see if they could resolve the issue but they stated to me that they do not speak, email or fax to the credit bureaus and that I would have to take it up with them to resolve the issue on my report. So sent my dispute and XXXX judgments came back verified yet per my attorney who explained to me that under the FCRA which is a federal law that the credit bureaus have to conduct a reasonable investigation and make sure that the items on my credit report are accurate and verifiable. I know the XXXX judgement are not accurate and simply should not be there and how can they verify them with the XXXX clerk or recorder when they do n't communicate in any manner to each other. This is a broken system and I need those XXXX judgments removed off my credit report as they are preventing me from obtaining future credit. I am a single working mother with XXXX children and I can not afford to to have these inaccurate public records.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I have set up an account with www.equifax.com to monitor all three of my credit reports. I have noticed several XXXX inquiries reporting on all XXXX credit reports that were not authorized by me in anyway. Rather than submitting XXXX dispute at a time regarding the unauthorized inquiries, I have attached a word document showing all unauthorized inquiries reporting on Equifax. I have included, the Inquiry Company, inquiry companies ' address and date of inquiry as well below. These unauthorized inquiries need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX. These accounts has been removed from my credit report : XXXX File # XXXX, Investigation Date XX/XX/2015, From the Company XXXX XXXX : Amounts {$480.00}, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. I have already called the Company who send the accounts to collections, FL. Hospital. They said that once they send the accounts to collections they have nothing to do with the accounts anymore. I have disputed these same accounts 3 times from XXXX different companies and they were removed, now these same accounts is on my credit report again from a different company ( XXXX XXXX XXXX XXXX ). THIS HAS TO STOP. I ca n't move forward to improve my credit untill this matter is over with. PLEASE STOP THESE ACCOUNTS FROM CONTINUING TO COME ON MY CREDIT AGAIN. All of these accounts has been removed. THANK YOU XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/2015, I filed an dispute with Equifax and advised Equifax that voluntarily dismissed chapter XXXX bankruptcies with docket # XXXX, XXXX and XXXX were currently reporting in my credit file. More importantly, I advised Equifax that their is not any clear language in the statue that states voluntarily dismissed chapter XXXX bankruptcies should be included in a consumer credit file and to delete the voluntarily dismissed chapter XXXX bankruptcies with docket # XXXX,XXXX and XXXX and supply me with and updated credit report. I advised Equifax my mailing address is XXXX XXXX XXXX Detention Center ( MDC ) XXXX XXXX XXXX, XXXX, NY XXXX. I never received an response from Equifax. Subsequently, I filed a second dispute with Equifax on XX/XX/2015, and advised Equifax that they never responded to my dispute dated XXXX, and it has pass the allotted time for disputes and they are in violation of the FCRA, and the XXXX voluntarily dismissed chapter XXXX bankruptcies with docket # XXXX,XXXX and XXXX should be immediately deleted off my credit file, and to provide me with an updated credit report. Furthermore, I advised Equifax that my mailing address is XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, NY XXXX. I never received an response from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: CA

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 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 2016-11-17 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I disputed the accuracy of a Ch XXXX Bankruptcy with Equifax in XXXX. On XXXX XXXX, I received the results of the investigation and the Bankruptcy was deleted. When I checked my credit report on Equifax monitoring service on XXXX XXXX, 2016, the Ch XXXX Bankruptcy was removed from my report. When I checked again on XXXX XXXX, 2016, the Ch XXXX Bankruptcy was reinserted without any 5 day notification from Equifax. This is a violation of the FCRA. I insist that the Ch XXXX Bankruptcy be deleted according to the provisions of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Investigation took more than 40 days, did not recieve any notification that investigation was complete or that the reinserted information, bankruptcy

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 — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have requested verification from both XXXX and TransUnion to provide me with a copy of the original documentation ( a consumer contract with my signature on it ) they are required to have on file to verify that an account that is appearing on my credit report is mine and is correct. Not companies have responded with letter stating that they have electronically verified the account - but I know that an Electronic verification is not an acceptable legal means of verifying any account. 

I have now sent XXXX letters asking XXXX companies to provide me with a copy of the original documentation, noting that if they can not provide me with this documentation, then the account must be deleted. Yet after more than 8 months I have yet to receive adequate documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I never established accounts or know anything about the following XXXX creditors listed on my credit report XXXX XXXX reported by Equifax, XXXX XXXX XXXX reported by XXXX, XXXX XXXX reported by XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
There is a Bankruptcy that appears on my credit report that should not be associated with my social security number. I 've been disputing this with all XXXX bureaus, and XXXX and XXXX accepted the paperwork from the bankruptcy court that confirms for my social security number there is no record of a bankruptcy going back to 1992. When providing that to Equifax they are advising me the courts confirmed the bankruptcy is mines, however, they have no paperwork confirming this. I have reached the end of my rope with Equifax and am now looking for additional assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
Equifax has stated that they have contacted North Dakota child support. I have called them and spoke with them as well! They are not reporting my arrears because it happened during a time of XXXX and they have been paid. I do not believe that once a XXXX is proven and acknowledged by XXXX I should not be punished for late payments as a result of said XXXX! That is what is happening here. I have been XXXX since XXXX of XXXX and did not receive any payments until XXXX XXXX I believe. So in effect I am being punished or discriminated against by Equifax simply because I was XXXX and could not pay until the U.S. Government paid me my XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
My credit was pulled without knowledge on XXXX XXXX and XXXX. XXXX made XXXX unauthorized inquiries on my credit report. Equifax gave me the following address : XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX. I tried contacting the company and was unsuccessful. I called XXXX XXXX business licensing. They do n't have a record of this company. I am in the process of closing on a home and got denied because of the above inquiries. I am trying to get the inquiries removed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
I received my XXXX 2016 statement from Seterus showing A total amount due of {$3300.00}, showing a past due amount of {$1600.00}. I immediately called Seterus on XXXX/XXXX/16 and talked with XXXX XXXX. She told me everything was OK. I asked why was it showing I owed for last month when the check was received by them and paid to Seterus on XXXX/XXXX/16. She stated that the payment is due on the XXXX of each month. However, it will not be reported to the Credit Bureau unless after the XXXX of the month. I indicated to her that this does not made any good sense and asked her if this is going to happen every month showing no payment received and why were their system changing to show no payment had been made. I noted that nothing had been applied to the Principal, Interest nor Escrow and the Outstanding Principal Balance remained the same as the XX/XX/XXXX statement of {$180000.00}. I assumed it would be corrected on the XX/XX/XXXX Statement. However, when I received my XX/XX/XXXX Statement, it showed, again, that I was past due for the previous month. The Principal, Interest and Escrow is incorrect because nothing was credited for XX/XX/XXXX as well as the outstanding Principal Balance. There are serious errors with these statements and I want the proper credit for the month of XX/XX/XXXX because nothing was credited as well as stop showing that I am a month behind on every statement because this is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: OH

Complaint narrative:
I had an overpayment of property taxes last year. The city refunded over {$600.00} to my mortgage company for the over payment. That money should have been sent to me within 30 days. It has never been refunded. They 've told me several times that it would be and that " a check request has been submitted ''. I started talking to them in regard to this situation in XX/XX/XXXX. They are holding my money illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am a victim of identity theft. Upon submitting my identity theft packet and police report on XX/XX/2016 to Equifax, they have failed to block the fraudulent information and comply with the Fair Credit Reporting Act. XXXX and XXXX have both blocked the fraudulent information pursuant to the Fair Credit Reporting Act, Section 605B. Equifax is still reporting fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The IRS withdrew my tax lien but Equifax is showing it on my credit report as " released. '' I requested an investigation but got nowhere. Equifax simply confirmed the incorrect information. A withdrawn lien is supposed to be completely removed from my report altogether!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have disputed the reporting of XXXX XXXX {$900.00} several times because I am paying XXXX XXXX Hospital every month and have payment arrangements set up with them. How is XXXX XXXX reporting this balance when I am paying the hospital? Is this an FCRA violation? The balance is wrong and they are not who I pay. I am uploading the original bill so that you can see that it is for {$900.00} with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
zip. they keep reinserting incorrect info.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have collection accounts that have incorrect information reporting. I have wrote several letters and I have been unable to get any results.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Two months ago, I asked XXXX to correct errors on my credit report. I sent them a letter on XX/XX/XXXX. I have not heard back from them yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Please be advised that XXXX of the negative accounts listed with all of the credit reporting companies does not belong to me. I am requesting to remove the incorrect negative account from all XXXX credit reporting companies. Thank you. 
Creditor Name : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
This item was previously disputed and found to be inaccurate. This was subsequently deleted. I spoke to XXXX XXXX services and they confirmed I have a XXXX balance and this debt does not belong to me. Today I learned that this has been reinserted into my credit profile. I request that this be permanently deleted and provisions in place to prevent re-issuance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I 'm having a hard time understanding how both Equifax and XXXX are violating the FCRA by not blocking these XXXX accounts within 4 business days after the receipt of my letters. I wrote last month letting them know that I 'm a victim of identity theft and that I require these items to be blocked and removed immediately and absolutely nothing happened! I sent my letter, identification, affidavit and police report and it makes no sense to me how they can just disregard this information! 

The account I 'm disputing with Equifax is : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
We are attaching the letter we sent to Equifax on XXXX XXXX. I never received my investigation results, but my wife, XXXX did. We are still trying to ascertain why Equifax did not send my investigation results.

Company response to consumer: Closed with explanation