vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
On or around XX/XX/XXXX I mailed Equifax letters informing them that my personal information has been used fraudulently resulting into several accounts being opened and sent to a collection agency. Equifax failed to answer or dispute any of the accounts that where being reported as a result of identity theft. They knowingly violated 15 U.S.C. 1681 ( c ) 2 ( a ) 1 ) XXXX XXXX XXXX XXXX Opened XX/XX/XXXX 2 ) XXXX XXXX XXXX XXXX Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: MN

Complaint narrative:
The servicing of my primary mortgage was transferred to Seterus over a year ago. I was sent a notification of transfer but did not receive payment information until well after my payment was due. As soon as I received payment information ( including the new loan number ) I sent off payment. I was assessed a late fee even though it was not my fault for the delay in payment. This late fee is still on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Several aspects to report : 1. I asked Equifax for my annual credit report through annual credit report website. Sent copies of my social and lease along. Got a letter from Equifax later, asking my copies again, and MY NAME WAS SPELLED WRONG on the letter. 

2. I sent the copies to Equifax again. Waited for more than two weeks. NO RESPONSE. 

3. I called Equifax, reporting the fact that I have n't received my annual report, and I found the wrong information regarding my name and a collection. XXXX, the agent, told me that their system was down and asked me to call back at XXXX. She promised they 'll be available until XXXX. I called at XXXX, only found out the operation time is XXXX to XXXX. Obviously, SHE LIED. 

I had the most horrible experience with Equifax. I ca n't believe they have the access to my personal and financial information. I hope there 's a way that I could stop dealing with this unprofessional and unethical company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-28 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:
I have tried for at least 8 months to get items that are incorrect and or not mine removed and they seem to do whatever they want with my credit. I am having a major issue with Equifax performing an actual legal Dispute investigation they are violating my rights by not complying with my legal right to request any or all documents i request in my file, they are completing disputes but not providing me the original documents verifying these claims. This is a written request that you investigate items that I believe to be reported in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have attempted to dispute a public record with Equifax but the dispute keeps getting turned around in 2 days without resolution. I had explained that I am working out payment arrangements with the Original creditor ( XXXX XXXX ) and that I had not been served papers for this to classify it as Public Record. They had marked the judgement as Satisfied instead of removing the item that I have no record of. Reference Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

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 THESE ACCOUNTS : ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX CRE ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT UNKNOWN ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ALONG WITH THESE INQUIRIES : ACCOUNT NAME : XXXX CARD DATE : XX/XX/2016 ACCOUNT NAME : XXXX DATE : XX/XX/2016 ACCOUNT NAME : XXXX DATE : XX/XX/2015

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
In XX/XX/2015 I noticed an unknown entry on my Equifax credit report from a " XXXX Collection Service '', which also goes by the name " XXXX '', Acct # XXXX. On XXXX, I sent a certified letter, was received on XXXX, requesting validation. I did n't get a response at all. In a letter sent XXXX, I disputed the above tradeline with Equifax. In a response dated XXXX, Equifax " Verified '' the entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
There are XXXX judgments on my credit report that do not belong to me and I have disputed them directly with the credit bureaus and the court house and no one has seemed to provide me with XXXX legal validation that they are mine and I owe the money. There are no original creditors accounts on my credit report for these judgments and they are causing grave injury to my credit report and score. The judgments are as follows : XXXX County Special - XXXX County Special - XXXX County Special - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
I am an XXXX XXXX XXXX service member that has been taken advantage of by multiple mortgage companies which have serviced my loan. I originally got this loan with the XXXX XXXX in XX/XX/XXXX while stationed in XXXX XXXX. Country Wide informed me that I could n't use my VA loan benefit because I had used it before, therefore I had to use a conventional loan and required to put down 10 % which I did not knowing any better. During the housing crisis Country Wide sold my loan to XXXX XXXX XXXX and at this time, due to finical reasons I applied to the HARP program thru XXXX XXXX XXXX and was granted a fixed lower interest rate of 2 % that was what I understood I had asked on multiple occasions and XXXX XXXX XXXX confirmed my payment was now {$850.00} for the duration of the loan. I was notified one day that my loan had been sold to Seturus, my current mortgage company and continued to pay {$850.00} for approximately 5 years on time, all the time. I recently received a noticed a few months ago that my interest had been raised to 3 %, I was upset the new amount is now {$910.00}. I am still XXXX XXXX XXXX and was under the understanding the Sailors and Soldier 's Act of XX/XX/XXXX prevented companies from unexpectedly raised interest on XXXX XXXX members while still in active status. I called and got nowhere with them, and decided to pay the new amount of {$910.00}. To my surprise I must have offended someone I guest because, my balance after that phone call was increased by {$53000.00} yes that 's XXXX. I have now idea what 's going on my interest rate is now 3 % and I owe XXXX up from XXXX just a month ago. I called and that 's what their system shows all of a sudden. Please help I have attached statements to prove what I am saying. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I used the FTC link for my free annual credit report. I want to receive a report from Equifax. Equifax is the most difficult reporting agency to deal with because they demand that consumers become a member in order to receive a copy of want is essentially a copy of our personal information. I have family members who have had problems cancelling what is advertised as cancel anytime Equifax membership in order to get a a copy of a credit report. 
I wanted to avoid the hassle of dealing with the membership. As stated above I used the FTC website link for the free annual report. I enter the required information, clicked next and when the Equifax page appears there is a banner at the top says " Our site is down, try again later ''. However nothing changes no matter how long I wait. Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Sent the attached letter at the same time I filed this complaint with CFPB. See Cover letter. I paid {$39.00} for this XXXX reports with various errors and outdated information. XXXX percent of the report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I moved back to GA in 2014 and discovered I had several items on my credit file that I did not authorize. I immediately filed a police report in XXXX XXXX Ga. I called the XXXX credit bureaus where my files are located and added a fraud alert. Over the years I have been able to get most things removed from XXXX and XXXX but Equifax for some reason has been giving me the run around. Stating all my information has come back as verified yet they can not produce to me any information such as my signature to validate their investigation. I am an XXXX veteran and I defended my country proudly for 7 years yet I feel like the enemy when it comes to Equifax. I am in the process of rebuilding my credit and it is very difficult to do with all the fraudulent inquiries that 's are being held on my report by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I opened a savings account with {$500.00} and they are only paying me 1/10 of 1 %. How can I save any money? Why do they call it a savings account?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Social security admidastration/ I have called there XXXX number 3 times, emailed them once, called my local office, Social security has reported to Equifax and XXXX a collection of {$4700.00} They tok my tax refund of {$1500.00} which after calling them they reported it to the credit berues, but they are garnishing my wages and are not reporting this to the credit berues at this point I only owe them {$1200.00}, as I said they are not reporting this and are damagimg my credit,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My father had credit monitoring with Equifax and the monthly charge came out of our joint bank account. He passed away in XXXX. In XXXX, I called Equifax , told them he had died, and asked them to cancel his account. They told me they could n't talk to me and that he would have to cancel the service. I explained that, being dead, he really was n't going to be able to do that and they refused to cancel the service. I contacted my bank to try to stop the charges, but as of yesterday, they have charged the account again.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Seterus, Inc.
State: LA

Complaint narrative:
an account was opened without my permission that i dont recognize due to identity theft yet it continues to report even though i have copies of my police report id theft affidavit ftc all notarized information

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Equifax is reporting an address I have never lived at. They are also saying I am unemployed. I am employed full time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: CORELOGIC INC
State: NY

Complaint narrative:
On XXXX/XXXX/2016 I applied for a rental apartment in Maryland. The credit report/criminal search was done by Corelogic / Saferent. I was approved with with a condition. the Leasing agent found in the report found that Corelogic / Saferent has linked my Name ( XXXX XXXX XXXX ) my social security, date of birth, middle name & address I have lived over 16 years is different from the person they have Falsely reported another persons information on my credit report/background check with a list of criminal charges I have called to the Corelogics / Saferent for hours by phone and no one has answered my calls. I am unable to move in to apartment my lease is up next week! This person is not me I want it immediately removed from my credit report and for it to never show or come up again in their system. I also want a letter in writing stated that it was removed.

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 2016-04-22 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Dear CFPB, About 10 months ago I was a victim of identity theft and went through all required procedures to protect myself. I filed a police report and FTC affidavit and notified all XXXX credit bureaus who shared the information with each other for my protection. After 6 months of working with the police everything was back to normal. Since fraud alerts make every financial transaction regarding credit or employment very sensitive I sent official letters to each agency with my passport scan and social security card scan along with employment identification making an official request to have the fraud alerts and security freeze removed. To my surprise only the XXXX agency has complied. There is still a short statement on my Equifax report the exact opposite of what I legally had requested removed under federal rights! I want these statements removed! Their inability to listen and follow instructions caused problems for me today during a particular transaction so this is it. I have attached a letter which was sent out in XXXX ...

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax continues to report incorrect infromation on my credit report. XXXX XXXX XXXX accounts XXXX and XXXX, issued a XXXX. Equifax needs to update their records showing that there is a XXXX balance as they are showing an open balance. Also, they are reporting incorrect data on XXXX acct # XXXX, as this account was a faudulate and should be removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
I initiated my request for a loan modification with Seterus on XXXX/XXXX/XXXX. In order to get movement on my modification, I had to to reach out to my investor, XXXX, directly in XXXX/XXXX/XXXX. 
Seterus offered me a Trial Period Plan on XXXX/XXXX/XXXX which required that I make {$890.00} payments on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. All these payments were made as agreed. To date, I have not received my permanent modification documents. I talked to a Seterus customer service representative, XXXX XXXX, on XXXX/XXXX/XXXX. 
XXXX said that modification papers were being drawn. 
The documents had not arrived by XXXX XXXX, so I called Seterus and talked to XXXX on XXXX/XXXX/XXXX who said that the documents were being generated. To date, no modification documents have been delivered to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Equitable Acceptance Corp
State: NY

Complaint narrative:
I was called last year informing me that I am eligible for student loan consolidation. posed as a government organization they informed me all of my loans would be consolidated. Instead all they did was get all my information and pay a third party to fill out a student loan consolidation application when I could have done it on my own for free. all in all my loans did not get consolidated and I went on fedloan.gov today and completed the application myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
XXXX XXXX placed duplicate inquires on my credit file, as well as my husband XXXX XXXX XXXX ' credit file for a joint credit application, over 2 consecutive days last year. This resulted in a total of XXXX inquiries for the both of us for the purchase of a XXXX pickup. The dealer, XXXX XXXX did the first credit check, resulting in XXXX hard pulls in XXXX XXXX on our reports. Then, XXXX had duplicate inquiries on each of our credit files for XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. We did not authorize duplicate hard credit pulls. We only authorized XXXX. The duplicates may have been due to my husband 's credit alert from a prior identity theft, I 'm not sure. However, the truck purchase should not have resulted in XXXX hard pulls between the XXXX of us. 
Regardless, we contacted XXXX who sent the attached letter dated XXXX/XXXX/XXXX, stating they would notify the credit bureaus to have XXXX of the duplicate inquiries removed from each of our credit files. Equifax has failed to remove the inquiries on both of our reports to this date. I filed a dispute online on XXXX/XXXX/XXXX with Equifax , stating I did not authorize the duplicate inquiries on my report from XXXX XXXX XXXX on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. Equifax sent me the attached email stating that they received my dispute and that their investigation was continuing as of XXXX/XXXX/XXXX. 
On XXXX/XXXX/XXXX, I checked the status of their investigation and was surprised to see that it had actually completed the same day that I filed it, on XXXX/XXXX/XXXX, and that I was never notified the investigation was complete or of the results. In fact, on XXXX/XXXX/XXXX I was notified that it was still ongoing, see attached. The results of their investigation said that I should contact XXXX if I felt the access was unauthorized. I attempted to file a reinvestigation request and to attach the letter from XXXX, however Equifax 's online dispute service would not let me file this dispute and add the information. 
I would like these duplicate inquiries removed from both my report, and my husband 's, as requested by the accessing creditor, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
EQUIFAX fails to remove the XXXX XXXX account. EQUIFAX reports incorrectly that this account Terms are Revolving. EQUIFAX reports incorrectly that this account balance is {$50000.00}. EQUIFAX reports incorrectly that this account is past due {$50000.00} even though XXXX CARD issued a XXXX. EQUIFAX reports incorrectly this account Credit Limit is {$43000.00}. EQUIFAX reports incorrectly that this account is currently over it 's Credit Limit. EQUIFAX reports incorrectly this account 's date of first delinquency is different from the day of first delinquency from the other CRA 's for removal. EQUIFAX continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.

Company response to consumer: Closed with explanation