vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-24 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I 'm a long time highly qualified XXXX customer I came from XXXX and in the last month chose to participate in an application for a credit card at a local branch here in XXXX with a XXXX XXXX XXXX. 
I was informed that I was declined for the credit card despite my XXXX credit score and very healthy balance at your bank that made little sense. I was told to await a response for the decline and explanation and I did as instructed as the explanation for the decline was vague- I did n't honor a commitment as agreed upon in the last XXXX years so I had been working w the branch assistant mgr XXXX XXXX who informed me of a loan modification or short sale purchase a negative inquiry on my credit report pulled by XXXX. I actually called all beureaus knowing that was a mistake and I have a copy of each of my XXXX page credit reports on hand and documented conversations with the bureaus informing them of XXXX decision to decline me for a credit card where I had them cross reference my reports in case I was illiterate as there was nothing of the sort to indicate any commitment I 've ever made and not paid, nor any modification but further no documented negative record from XXXX nor equifax all of which I have on record. I 've called XXXX XXXX customer service who insist that 's not what they see, the bureaus do n't lie and I find this to be highly offensive but still I have patiently worked w XXXX XXXX whose instructed me that he 's escalated the manner as theirs XXXX evidence to support the contentions behind the decision to decline my credit.. Both bureaus have instructed me to have this investigated and that is now what I fully intend on doing as I 've given ample opportunity for XXXX imaginary bureau with such contentions to resolve that error but instead I 'm further ignored burdened with coming into the branch w my documents of proof. I have mine and the burden is on XXXX now as I 'll make it a personal mission to proceed with the mishandling and continued disregard of error and lack of ownership and report this to any and all governing institutions to create awareness.. Again I have both my discussions w the bureau and ur staff member on record.. 

FYI- complaints and investigations forthcoming at this point just for starters.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
They can not disclose the results received. Even though these company 's were unable to submit any verifiable proof. No one can show a signature card or any other verifying information on the accounts. Just a generic response. That they Verified. Which is not true. These companies do not have any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: TX

Complaint narrative:
Our home mortgage loan is serviced by Seterus , Inc. A few years ago we refinanced with them for a much lower interest rate. We have been paying extra each month to pay down the principal. We pay our property taxes directly to our XXXX Co. tax office and pay our homeowners insurance directly to XXXX XXXX. We had no problems until XXXX XXXX, when Seterus sent a statement notifying us we had a negative Escrow account. It made no sense because we have never had an Escrow account. We called the customer service number and were transferred to various people, told us to call a different number and speak to the tax division. They said we needed to have an escrow analysis. Back and forth, not getting any answers, we were told to send our tax payment history and a letter requesting we not have an Escrow account. We did this. We got no response. Next month we still had a " negative Escrow account '' and our monthly payment was increased several hundred dollars. The customer service person said our request was " under review '' and for now we had to make the higher payment or pay a penalty fee and be turned in to a credit agency. This has been going on since XX/XX/XXXX. We made both installments for our XX/XX/XXXX taxes so we know there are no delinquencies. For 8 months, we have made phone calls, sent them our payments which are now {$1000.00}. above the monthly payment, and have never been able to resolve this. We ca n't afford to pay extra anymore, so we have lost ground on our plan to pay the principal down faster. We applied to refinance through XXXX, and have been approved. Now Seterus is setting our payoff amount {$8000.00} higher to get us to pay the Escrow balance, which would be for XX/XX/XXXX taxes that are not due until XXXX, XXXX. We do n't want to finance money for an escrow account which should not exist. Seterus does not have a person in customer service to talk to other than the representative. They have no complaint department, or superviser. They are strong-arming us and leave us no options. We believe t that since we have a lower interest rate and are paying off larger amounts, Seterus is trying to hold us to Escrow accounts to make money off the interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have filed several disputes with all XXXX credit bureaus and each XXXX is still reporting XXXX XXXX incorrectly on my credit report. This bill was paid off XX/XX/XXXX. Each credit bureau which includes : Equifax, XXXX and XXXX are still reporting delinquency as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I just want to send this to make sure I get my facts right and make sure there is a record of this information for further use. If I am correct, Equifax claimed that they finished an investigation, and I assume Equifax contacted XXXX XXXX XXXX to get this information, and claimed a negative item was mine. I had been in contact with XXXX XXXX XXXX who told me that a name I am unfamiliar with was also on this account as well as someone who used my wife 's name but was unaware we were married so opened the account using her maiden name. My wife had an account with XXXX XXXX XXXX at this time and that XXXX used her married name so I know XXXX XXXX XXXX had this information. When I request the proof Equifax claimed to have as I assume Equifax would require proof if they declared an item mine, they are doing another investigation. Does no one oversee credit bureaus? Does the CFPB ever take any action against these people like they claim too? I am going to contact the office that handles complaints against the CFPB because this is rediculus that I have written so many complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have XXXX MasterCard gift cards bought in XXXX and XXXX, XXXX.Fortunately, I did n't give them away but used myself or I will be ashamed, three months later, I found out there are unauthorize charges on these cars totaled XXXX dollars.By XX/XX/XXXX I submit my request to U.S. Bank Dispute Dept XXXX and asked for a refund.On XX/XX/XXXX I 've received Cardholder Statement of Disputed Transaction, I faxed the documents back to them and waited for their response. In short, later on I only receive the refund of XXXX cards of XXXX cards being hacked. Because that Mastercard gift cards being hacked is a widespread problem, I searched the issue online, I see tens of thousands of people are being affected, I am one of them. It is said that it may take four to five months to get your money back. So I wait patiently until XX/XX/XXXX, I can not wait, and I send them another fax again, but this time they refused, saying, my issue is out of 120 days window that they can NOT help me.They lost my claim and my fax within the period of time I call them many times their phone system is not good enough. I have been held forever to wait for talking to a live person.I have XXXX dollar outstanding I need to be paid. Thank you.

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 2015-08-25 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am responding to a letter I received from Experian regarding a suspicious request made on my credit file. Based on my understanding of the letter, it looks like Experian is refusing to complete my request because they believe the letter I wrote them was not sent by me. 
I would like Experian to know that I did in-fact send them a letter disputing information on my credit report. I also give Experian my expressed and written consent to continue with the investigation of my accounts per the dispute letter I wrote to them. 
I would very much appreciate Experian providing me with an explanation of my rights specifically pertaining to how I am allowed to dispute information on my credit report. 
I would also like to know specifically what made my letter " suspicious '' and why Experian thinks I did not write my letter to them since I have submitted similar disputes before. 
I would be very grateful for a step by step explanation from Experian detailing the specific information I may have missed. 
I would like Experian to let me know if I am allowed to re-write my letter, and if so, would Experian be so kind as to provide me with an example of a letter that would be acceptable to them?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a credit freeze in place with all three reporting agencies. When I make a large purchase requiring a credit freeze, I " unfreeze '' the information. This costs XXXX dollars in each instance. I routinely have trouble with Equifax using the online system and must resort to calling them. This is a time consuming process and is inconvenient in that it has to take place during my working hours. I recently attempted to resolve this after my last attempt in XX/XX/XXXX. After a tedious e-mail exchange, I was promised a phone call which never materialized. I tried to contact them and of course they were closed. I do n't mind the periodic extortion for the automated credit lift but the company seems not to understand the responsibility granted to an entity that in effect controls an individuals financial freedom. All I ask is for Equifax to fix whatever error is in my file that does not allow either the automated phone or the web-based to access my account.

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

Complaint narrative:
XXXX reported that I was 60 days late in paying g on my account. They eventually corrected the report to the credit bureau and sent me a letter of correction. 
But my credit score has NOT been restored to what it was before. Which was XXXX XXXX and XXXX Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: PA

Complaint narrative:
I currently have a mortgage with Seterus, Inc., they are charging me a property inspection fee of {$15.00} every month that I just recently found out about. I do not know if this is legal this was not a practice that my previous mortgage company did which was citimortgage who sold my mortgage to Seterus. On my payoff quote it states that I owe {$690.00} in previous property inspection charges. This concerns me because I am towards the end of my mortgage payments. I have also requested an escrow analysis XXXX over the phone with Seterus , Inc. over the past 6 months and I still have not received one. They have no email address so I ca n't email them requesting one and they do not answer letters sent to their PO Box . What are my options in handling this matter?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have tried multiple times, from multiple sources, to get my Credit score. Every time, it asks me to choose an item ( i.e Mortgage, credit card ) that I 've never signed up. Every time I select 'None of the above ', because the information it asks for does n't fit anything I 've signed up for. I do n't own a house, therefore have no mortgage and I do n't have a credit card opened in my name despite every company thinks I do. It fails to give me my Credit information. I looked up the reasons why my Credit is bad, it says I have medical bills not paid for in Arkansas from XXXX. I have lived in Georgia since XXXX and have not lived in Arkansas since XXXX. I believe I 'm a victim of Identity theft. 

I have attached XXXX. The first has question similar to what I get asked, the second is it failing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I dispute a item on my equifax credit report more than thirty days ago. When I called equifax and spoke with the representative I was told it was n't disputed. However, when I looked at my report online it was disputed XXXX XXXX, 2016. No results were returned from the dispute I ask that the item be deleted since its been more than 30 days. I was told no because it was n't dispute. The item I disputed was XXXX for {$120.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
They charged off my account. I never missed a payment, so how can this be? They told me they charged off my account, because bank did a return check for speculation of fraud. These people who work at the bank, are liars! I needed this deleted off my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2016 I logged onto my XXXX account which stated on XX/XX/2016 my Equifax report had been updated and I had XXXX changes to my report everything had been removed from my file besides XXXX address and XXXX collections account. Thinking it was maybe just an error I call Equifax on XX/XX/2016 and spoke with a young lady whom was very sweet, I told her I was calling to check on my file due to receiving some info from XXXX she attempted to verify my account, but then stated I would need to send in my dl because I basically did not have a file, I asked her why and also stated to her that I even had an open dispute, she asked could she place me on hold so she could ask with he superior, I told her sure, I was on hold about 5 minutes then she told me she have my info now. She was as helpful as she could be. I received another notification basically stating all my info had been added back to my credit file, which I 'm OK with that, but however when everything was added back it made may credit score drop, which is n't that high to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello, My credit rept. shows a mortgage with XXXX, I do not have a mortgage with XXXX. Our ONLY mortgage is with : XXXX XXXX XXXX XXXX 
loan # last 4 : ... ... XXXXplease update your report ... ... ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Equifax refused to allow a consumers statement against XXXX. 
they said because I already had a consumers complaint against another company they could n't accept another consumers statement. I also included a consumers statement about a year ago, but somehow it disappeared, against XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I write Equifax in XXXX and tell them no dispute for XXXX accounts XXXX and XXXX. But my mortgage person tell me they still in dispute. I NO DISPUTE. Please change this!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I told all XXXX agencies that the all credit inquiries were re-put on my accounts. They did not inform me within 5 days of reinsertion that they are adding anything to my report and since they all failed to notify me. They all violated my rights under the FCRA Section 611 laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Wrong Information on my Credit

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX of my collection accounts were reported XX/XX/XXXX. They are XXXX and XXXX. I found the balance is inaccurate and the timeframe for this item is over 7 years. So I disputed these items and requested Equifax to remove it permanently. 
Under Fcra law, after remaining in 7 years the collection should be removed from credit. I finanlly received their reponse that they will delete these items from my credit report XX/XX/XXXX these items were no longer on credit file. However, XX/XX/XXXX these items were reinserted without notifying me in 5 days This again violate the Fcra law. Morever, equifax re-age my account and make my collection stay up to more 7 years which XX/XX/XXXX. This is illegal and ruin my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-05 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 have disputed the accuracy of XXXX XXXX XXXX XXXX XXXX,XXXX times ( investigation no's.XXXX,XXXX,XXXX ) .All XXXX times, equifax verified either knowingly or negligently, the incorrect information still reporting today.In the most recent investigation I was very specific about my dispute.I SAID '' THAT THE DOFD WAS INCORRECT, THAT THE DOFD COULD NOT BE THE SAME DATE THAT THE ACCOUNT WAS ASSIGNED TO THIS DEBT COLLECTOR '', IT MUST ACCORDING TO FCRA ANTEDATE THE DATE ASSIGNED IN ALL CASES. ( FCRA ATTACHED AND HIGHLIGHTED OR UNDERSCORED ) .IN MY CASE, THE REAL UNREPORTED DOFD ANTEDATES THE REPORTED DOFD BY APPROXIMATELY 1 YEAR.IN THE XXXX RESULTS OF INVESTIGATION THE DOFD AND DATE ASSIGNED ARE BOTH XX/XX/2012.I POSSESS OTHER EVIDENCE THAT THIS LENGTH OF TIME BEFORE ASSIGNATION IS THE PATTERN AND PRACTICE OF THE ORIGINAL CREDITOR XXXX.XXXX IS IN BUSINESS TODAY , IS REACHABLE FOR VERIFICATION AS I POSSESS A XXXX ACCT. TODAY.THIS act of EQUIFAX/XXXX XXXX XXXX is called re-ageing of the account, it is an illegal practice. 
THE FCRA PERTINENT TITLE IS ATTATCHED.BOTH THE CREDITOR AND EQUIFAX VIOLATE THE FCRA TODAY AND DAMAGE ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 00:00:00
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: Seterus, Inc.
State: NY

Complaint narrative:
My home mortgage loan was sold to a company called Seterus Inc . In late XX/XX/XXXX/XX/XX/XXXX we fell behind in our mortgage. In late XX/XX/XXXX Seterus offered us a refinance agreement and started a 3 month trial. During this 3 month trial which we completed successfully, Seterus representatives continually called, This week ( XX/XX/XXXX ) twice already, the first representative stated that he was calling to collect a debt, without checking to see that I had spoken to a representative the week before and discussed the refinance package that was sent to me. I have until XXXX XXXX to respond and yet they still call me constantly. Some representatives have been threatening, telling me that if I do n't provide a repayment date or plan they will foreclose on my house, even though I was complying with their refinance package. I also receive as many as 3 letters a day making the same statements. This company appears to use scare tactics and threats in order to force home owners to make rash decisions. Furthermore when I state that I would like to consult an attorney, they imply that they will go forward with a foreclosure action. This company has been bullying me for 6 months, and even though I have resigned to agree to their terms without consultation they still call and harass me. I thought this type of action was no longer legal.

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

Complaint narrative:
Called XXXX to remove inaccurate item, they told me the address does not match and the phone number does n't match, but are not helping in any way to remove it. Can not get through equifax questions to initiate dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
The bill was paid to receive new services through same XXXX utility systems so why they have not reported that it is resolved I do n't know! I currently have service with them now!

Company response to consumer: Closed with explanation