vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: ND

Complaint narrative:
I am a victim of identity theft and someone stole and used my personal information to open a XXXX XXXX XXXX Checking Account : XXXX and Money Market Rewards Savings Account Ending In : XXXX, the accounts are fraudulent, unauthorized and do n't belong to me. I have never had or opened an account with XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax - Please do not simply delete the Pay History as you know, the impact to scores and ones report is harmful immediately. 

XXXX XXXX 1. Is showing on my credit reported as Opened in XXXX and Closed in XXXX or XXXX, which should be 1 month reviewed. 
2. The account has 27 months reviewed, which is inaccurate and impossible 3. The account also has Pay History from XXXX to XXXX - with an actual PAYMENT in XXXX - which we know is impossible for an account that closed with a XXXX balance 6 years ago. 
4. This account is incomplete and inaccurate. 
5. Please validate the account attributes, and update the Tradeline - or delete the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: NY

Complaint narrative:
Re : Seterus Serviing and modification Request. 
Seterus keeps asking for payment on a loan that was transferred to them for servicing. Representatives indicated that there was a modification in place for XXXX $ $ but has not produced any documents to confirm payment amount. When pressed I was told of a payment and received documentation by fax for another homeowner 's property in PA with a different payment amount. I filed a modification request over two months ago with all documentation requested provided and confirmed received. The the bank keeps calling to ask if I intend to keep the property. Documents have been submitted which they acknowledge receiving but no modification trial has been offered. To date I have received a payment statement but no modification documents verifying this. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I went to the free sight for getting my annual report. After entering all info and gaining access to the page beginning process I checked all XXXX reporting companies. I went to my first company XXXX and was given access to my report. After perusing the different accounts and saving and printing the report, I then clicked " CREDIT SCORE ''. There was nothing on this page. 
My second Company XXXX showed me the following : " WE CAN NOT DISPLAY YOUR REPORT ONLINE ''. o further explanation was given. I was able to purchase the credit score by joining XXXX for {$1.00}. I then got the score but had to cancel my membership within 7 days or be charged the full membership which would be automatically renewed every year until i cancelled. I, of course immediately cancelled. The 3rd company, EQUIFAX, was the worse. They simply responded, after my entering pages of questions, that " WE CAN NOT DISPLAY YOUR REPORT ONLINE '' .No other offers or explanations were given.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: IA

Complaint narrative:
I received many emails from Navient suggesting forbearance as a solution to my struggle to pay back student loan debt. I explained in a response that I would like to know more about income driven repayment options and was referred to a phone number to Navient customer service who said they could mail me a packet to fill out in order to apply for income based repayment. I called twice to request the packet. I still have not received said packet. I talked to someone at Navient today who said that they wo n't send out the packets anymore because of that and gave me a different contact to call to request the packet. No one has explained repayment options to me yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I disputed a XXXX/XXXX/16 entry of a credit inquiry on my Equifax credit report by an online retailer named XXXX but Equifax refused to remove the inquiry. The credit pull was fraudulent and made as a result of an attempt by a person ( unknown to me ) placing an order and requesting credit in connection with doing so. The fraud was identified before shipment was made but false credit inquiries impact credit scoring negatively. I never placed an order or requested credit so no proper request to review my credit was made and no inquiry should be shown on my report. XXXX directed me to file a dispute with Equifax but when I spoke with them ( after XXXX attempts resulted being transferred and cut off ) XXXX in the Equifax fraud department informed me that Equifax does not really allow disputes for credit inquiries. Apparently Equifax allows consumers to submit a dispute online ( as I did ) but they are not handled seriously. Instead, the information remains as a " factual record '' that the credit pull occurred. This was my result. Equifax policy is that they will not make a change the entry without action by XXXX ( their client ). I am filing this complaint because Equifax 's position is wrong. I have the right to request a substantively meaningful investigation, not simply a sham review. Finally, I also contested an oil and gas credit inquiry when I disputed the XXXX credit pull because I did not recognize it - I never applied for an oil and gas card.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Impersonated an attorney or official
Company: Harbor Front Acquisitions LLC (Closed)
State: AZ

Complaint narrative:
Harbor Front Aquisitions stated that they were attorneys trying to collect on a payday loan. They also disclosed the debt without verifying they had the correct party. I had lost my job and did not have any money to put anything on file. Told them on second call that I could put something on file but that it would have to be for a month out as I just started a job. They wanted me to call back and put {$100.00} on file. The XXXX representative was very rude and harassing. I felt very worried about how I was being treated. It was the XXXX time I had talked to anyone from there. I did not refuse to pay but they are trying to submit me for legal action. I was told that they were working for attorneys but I have never heard from the office that owns the debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
I have been paying Pressler and Pressler faithfully every month on a debt that was originally around {$2300.00}. The balance is now around {$1000.00}. This morning XXXX/XXXX/XXXX, I received a phone call from one of their representatives, telling me that I could avoid future legal action by entering into a formal payment agreement. They have a default judgment against me, have already wiped out my bank account. I am paying them and they are STILL threatening more legal action. The original debt was a cable bill that dates back to XX/XX/XXXX. Before they got the default judgment, I contacted them and asked who the creditor was. They refused to tell me. Who in their right mind would send money to a post office box after receiving a rubber stamped, computer generated letter from someone who refuse to tell you who you owed? This is a scam. I need answers. I ca n't enter into any sort of agreement with another party that has already shown that their word is no good, consequently they are threatening more legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Equifax has been billing and collecting from me for the past 7 months without my approval. I submitted a cancellation request by phone and by response to an e mail XX/XX/2016. I just found out after closer review of my credit card activity that Equifax has been automatically charging monies on my credit card. 

I went on line to cancel and the national web site has no information or availability to cancel there unauthorized collection of funds from me. 
I called today and was told by customer rep that I could not cancel my membership on the web site because they do not allow that and admitted they do not have any information on how to cancel. I asked for my monies back and he refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I receive a call at XXXX I spoke with a gentleman who proceeded to tell me about the Citibank/home depot card which is for my husband I told him I am at work I ca n't talk on this issue as of now and ended call..However at XXXX est I receive another call from a rep at the same company name XXXX who id her rep number to be XXXX she also continue talking about the Citibank/homedepot card in which I told her I already receive a call today and I am at work and it is illegal to keep calling me and I 'm not even the person. SH CONTINUE TO TALK Telling me she do not see that I was called I told her I was and I have proof she really COULD CARE LESS I ASK HER WHAT NUMBE IS SHE CALLING FROM SHE REFUSE TO GIVE ME HER DIRECT NUMBER HOWEVER TELLING ME THAT I CAN CALL THE NUMBER ON THE BACK OF MY CARD I TOLD HER I WANT HER DIRECT NUMBER WHICH SHE STILL GAVE ME THE NUMBE RON THE BACK IM AT WORK AND CANT CONTINUE TO TAKE CALLS AND IM SURE THIS IS NOT EVEN ILLEGAL FOR THEM TO CALL ME MULTIPLY TIMES AND ASLO FOR THEM TO KEEP CALLING A SPOUSE WHO DOES NOT EVEN OWE THE DEBTOR IS JUST CRAZY

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 2016-11-02 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I filled out online form for my free credit report with Equifax it did not go through they said they needed more information, I mailed them the information they requested and still no Free annual Credit Report from them or any other Credit Report. This is causing me a problem if there are items I may need to dispute as found in other reports. 
I would like this resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX submitted a credit inquiry on my credit report without my consent. XXXX agreed to deleted the inquiry after I filed a complaint with the Consumer Financial Protection Bureau. XXXX added it back to my credit report. I have asked them to remove it and Equifax to investigate it, they have both refused to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
Loan servicing company Seterus Inc. has been inefficient in paper handling repeatedly asking for same documentation that has been previously provided and has caused delays in submitting loan payoff demands to closing company causing increased costs to consumers in interest payments and penalties. Repeatedly giving incorrect information about expected time for their performance from 48 hours, to 5-7 days, to 7-10 days, to 21 days, to they are backlogged and do n't know when. When contacted by closing agent, they fail to instruct that demands and authorizations must be on their forms when information is requested by the consumer, closing agent, and real estate agent. Being told to contact them by a certain date if requested demand has n't arrived only to be told later that no authorizations or records are on file after the information has been submitted. They are inefficient at best unless they intend to delay closings to earn more interest and penalties from consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Reference : XXXX XXXX, XXXX. 
XXXX XXXX XXXX. XXXX XXXX, CA XXXXTelephone : XXXXXXXXFacsimile : XXXXXXXXRecently I ordered a copy of my credit report and found XXXX reported that I am in debit to them. 

I wrote to all XXXX major credit card companies and learned from Equifax Disputes that after contacting XXXX the item will remain on my credit report. 
Issue : XXXX continued to bill me after services ended. I paid XXXX and made every effort to cooperate ; however, I need not pay for services and products that I did not receive. 
Additionally ; XXXX promised me a city to cover and then restricted me to XXXX XXXX XXXX which is a development and not a city. 
I did not make XXXX contact from any information received from XXXX. 
I did not derive any income of business from XXXX. 
They billed me after I canceled and refused to be reasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: NY

Complaint narrative:
On or about XX/XX/XXXX, the borrower defaulted on his first lien mortgage loan, which loan is serviced by Seterus. Seterus commenced a foreclosure against the borrower on XX/XX/XXXX. On XX/XX/XXXX, the borrower and Seterus entered into a permanent loan modification under the XXXX Standard Loan Modification program. After the borrower 's loan had been permanently modified, Seterus charged {$340.00} of legal expenses to his account on XX/XX/XXXX, and another {$300.00} of legal expenses on XX/XX/XXXX. These legal fees appeared on the borrower 's mortgage statement dated XX/XX/XXXX. 

Seterus is barred from charging these {$640.00} of legal fees to the borrower. Under the XXXX Servicing Guide, Section XXXX, " [ t ] he servicer must include the applicable attorney fee as part of the amount required to reinstate the mortgage loan '' and " [ a ] ll out-of-pocket costs that the law firm incurred prior to the cessation of foreclosure proceedings must be collected from the borrower as a condition of the reinstatement or workout agreement. '' If the servicer fails to include these fees and costs as part of the workout agreement, it may not charge these fees to the borrower. See XXXX Servicing Guide, Section XXXX ( providing that " [ i ] f the servicer fails to include as part of the amount required to reinstate or pay off the mortgage loan any legal fees and costs that were incurred in connection with the foreclosure proceedings, or is prohibited from charging the borrower for certain costs under applicable law, it must reinstate or pay off the loan without collection of such legal fees and costs from the borrower '' ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
I filed a previous complaint against Seterus but after reading through a little more of the XXXX correspondence they have sent in less than a week, Seterus needs to back up and back off. They are sending extraordinarily aggressive, demanding, and unprofessional correspondence especially considering they do not have the facts of this matter and even more especially considering that I have no clue who this company is. 

The 'backing up ' is they need to introduce themselves and present me with information and documentation on who they are and under what authority and authorization they are contacting me. It sure could appear to be a scam when someone aggressively contacts you demanding thousands of dollars and making aggressive threats if do not pay it immediately. If it is legitimate, I would assume there should be documentation from XXXX as one of my outstanding issues with XXXX XXXX XXXX is they never provided such documentation and also were barking orders ... 

So once Seterus, or more like XXXX, provides that information, then Seterus can open up discussions and this is then we begin addressing the fact that the information they have is incorrect as already mentioned in the previous complaint. 

Based on the correspondence received, I am very suspect that Seterus has violated rules and/or regulations as you ca n't just start flooding people with correspondence and making extreme demands and threats and especially without proper documentation too all aspects of the correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax said I had delinquency on my report. They also had a wrong score. Everything they told me was wrong, and I was denied a credit card because of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I made requesting to removal due to following both public records has been reporting in my credit file since XXXX XXXX item were reported by vanguard mgmt company since XXXX XXXX. Than it went court matter and paid in XXXX XXXX been reporting this negative item since XXXX XXXX and than XXXX XXXX reporting since XXXX. Same negative item for over 9.5 years XXXX item were reported by XXXX XXXX copany since XXXX XXXX. Than it went court matter and paid in XXXX XXXX XXXX been reporting this negative item since XXXX XXXX and than XXXX XXXX reporting since XXXX. Same negative item for over 10 years XXXX attached letter of disputes and their vague response and playing with credit since last 9 to 10 years Over the past several months, I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with Equifax I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
I took this loan out with americredit financial thru the car dealer XXXX in XXXX, pa. The loan was taken over by GM financial. I made my payments. When the loan was drawing to a close, they said i owed twice as much as what was actually due on my car. I questioned this when the loan was transferred from one company to the other, and no one would respond. Towards the end of my loan, I was also involved in a XXXX situation, that, given the amount they said I still owed on this loan, there was no way i could continue to pay it. The person i was involved with hacked my checking account and ran my account negative XXXX dollars. I had no choice at that time but to let them reposses my car enlight of everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: General Motors Financial Company, Inc.
State: TN

Complaint narrative:
A few years ago i had a repossesion and left me a balance reporting negatively on my credit on XX/XX/2016 I settled this account for a lesser amount and have a settlement letter from the attorneys office proving this. Gm Financial refuses to update my credit report showing account settled as they agreed when the settlement was offered to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-20 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
The XXXX XXXX XXXX department of Santander Bank requested the renewal policy for a flood insurance of my condominium. I submitted my proof of insurance after few days that I received the request on XXXX XXXX, XXXX. I received a second notice and I immediately sent the same information again by fax and mail. In XXXX XXXX, XXXX, I received a note that the company forced me to acquire a flood policy and charged me {$2500.00}. I called many times and left many voice mails to the number provided by the XXXX XXXX XXXX department ( XXXX ). I sent by email the proof of insurance as well as the declaration page on XXXX XXXX and XXXX, XXXX to the customer service dept. and to the local branch who indicated that they will forward this information to the XXXX XXXX XXXX department. I opened a formal internal complaint about this case through the customer service area, however it was completely ignored. In XXXX XXXX, I faxed again all the documentation to the same Consumer Loan Servicing department ( XXXX ) as well as to the customer service office of Santander bank and I mailed the same documentation. In XXXX XXXX, XXXX, I visited the branch and talked with the branch manager about this problem.One of the managers mentioned that all the documentation was sent the first time that I submitted the information in XXXX XXXX. 

My main problem is the complete lack of response and consideration of the XXXX XXXX XXXX department. They never responded to any of my communications by phone, fax, mail or email, and they charged me an unjustified and unnecessary premium. I have also wasted a significant amount of time complying with a routine requirement which is easily satisfied with a simple form.

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