vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
First issue I can not obtain a copy of my credit file anywhere, I never placed a lock on my credit file. Second I have disputed the following items many times and no response back. Your company is violating my rights I have disputed several times the following items which are PAST THE STATUTE OF LIMITATIONS AND THE CREDIT REPORTING AGENCIES ARE LISTING INACCURATE DATA WHICH VIOLATES MY RIGHTS ON THE FOLLOWING XXXX XXXX original DLA is PAST THE STATUTE OF LIMITATIONS XXXX {$46000.00} XXXX Original DLA is PAST THE STATUTE OF LIMITATIONS XXXX DUPLICATION AND PAST THE STATUTE OF LIMITATIONS XXXX PAST DUE $ XXXX DUPLICATE AND PAST THE STATUTE OF LIMITATIONS XXXX ORIGINAL DLA IS PAST THE STATUTE

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax has allowed unauthorized hard credit pulls. See proof from XXXX and XXXX that they did not authorize the pulls. Please remove XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, and XXXX/XXXX/15

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
stolen license many years ago. changed my name to protect myself, but since 1992 my credit is always wrong, now someone has given fraud using my ssi, and gotten cards, real estate and more.i need to put a stop to this forthwith and prosecute those who are using my info. 
the ssi office do not help.and i was born and raised here.how can your office help make this right?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I understand you are just following standard-processes ... But on this one I need you to think " out-of-box ''. Your normal " submit-a-dispute '' does not fit my need as it is designed to submit only on an individual entry ... I have a more broad issue. 
I observe my credit report counts both open and closed accounts totaling XXXX, therefore I expect ALL these accounts count towards my years of credit. Consequently, I calculate ALL open and closed dates to current, to be 37,244 days or 10.20384 years. Please correct my years of credit to 10-years, 2-months This is the third time I have submitted this request ... So please read this and absorb in its entirety ... Then respond accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
It appears that someone has been using my Social Security number to take out a home mortgage and other activities since 2011.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
this company has accounts that has been close on my account and some these accounts dont even have the merchant name or contact information. I want these accounts remove from my credit. I ca n't get a good job with these stuff on my credit. In addition some of these accounts have been solve by the merchants to this XXXX collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Over the last year I have filed several disputes, XXXX of them are listed above but there has been many more. I have attached a letter from XXXX which I have submitted several times, this stated XXXX will remove this inquiry, but has not done so. The next issue is relative to XXXX XXXX XXXX case # XXXX for an amount of {$2600.00} which was as a result of XXXX bills from a car accident. This was paid in full, I understand rulings from last year, state satisfied Medical Judgements should be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-05 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: CORELOGIC INC
State: IL

Complaint narrative:
MY NAME IS XXXX XXXX MY ADDRESS IS XXXX XXXX XXXX XXXX XXXX, IL.XXXX. I AM WRITING TO FILE A COMPLAINT ABOUT A COMPANY CALL CORELOGIC / CREDCO. TO FIND OUT WHY CREDCO HAS MY SOCIAL SECURITY NUMBER AND HOW DID CREDCO GET MY SOCIAL SECURITY.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
My mortgage company is stating I 'm behind on my account. Per my calculations I should be up to date. They have applied my monthly payment towards other fees without my authorization, this cause for my account to be at default assessing late charges on the account and reporting over 30days past due. Until this date, I have requested for someone to review my account and explain to me how my funds are being distribute to my account. I get no answer, representative only state " I will mail you out a payment history report '' this is not the solution. I need answer. I requested to speak to a Supervisor and was told her name was XXXX she was unprofessional. I asked her to please go over payment history report with me to inform me where in my part I defaulted on my loan. I 'm 100 % sure my account should not be past due. I need assistance and need someone to inform me where I defaulted and no one in this company is taking the time to review my account to proof them wrong.. I expect my credit report to be fixed and my account back up to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
In XXXX XXXX XXXX, I closed on XXXX short sales in California. The closing negotiator of each banking institution ( there were XXXX lenders involved ), agreed to post the short sales on my credit reports to read : " paid/settled in full for less than the full balance. '' To my dismay, all XXXX credit reporting agencies did not adhere to the terms agreed upon, and listed my short sales as derogatory and delinquent on all three credit reports. I filed a congressional inquiry against all the banks, and won my case on XXXX XXXX, XXXX ( please see XXXX letter attached ). XXXX submitted their request to the credit reporting agencies to update my credit report immediately. Though all three credit reporting agencies updated my credit reports, the reports read as if the short sales took place in XXXX of XXXX and not XXXX of XXXX. So, the seven year period of adversity started ticking in XXXX, not in XXXX, FOUR years after the initial short sales closed. I followed up again with XXXX XXXX, Executive Response Specialist at XXXX, and she helped me rectify the issue, and the XXXX credit reporting agencies are supposed to correct the information. I ran XXXX of my free credit reports in XXXX of XXXX, but would like to follow up with all XXXX credit reporting agencies as I am interested in finding out the current status of my credit reports. Could you help me XXXX more copy of my latest credit reports from all XXXX reporting agencies, please? Thank you. Please note I moved to the following address : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-23 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On 2014 I took the big decision to move from XXXX XXXX to USA ( XXXX, XXXX ) to start new with my fiancee and XXXX daughters. I 've been a successful student and business person in XXXX XXXX and an example citizen. Recent after opening a checking account on Bank of America, I deposited a couple of pay checks ( computer/business checks ) from my previous employer from XXXX XXXX to my BoA account. Only XXXX of them bounce back as a " bad check '' for a really small amount of around {$200.00}. Bank of America automatically without notice closed my account for " fraud/bad check '' and now I 've been flagged as if I were some kind of criminal, when I 've never in my life have n't even taken a piece of gum without paying it. This is frustrating. I do n't owe BoA any money, everything was paid of in cash at a local branch. I tried contacting BoA at local branches, corporate offices, and by phone, none of them helpful, I get the same answer, BoA flag as a fraud check and there 's nothing we can do ''. So now I have to wait 7-10 years so I can have my finance life back? This is NOT FAIR at all. I should not pay this consequences, much less my fiancee who has nothing to do with this, she was just an authorized person on my account to have access to a debit card and be able to make purchase with my hard earned money. Please investigate BoA and my disputes, all I want is to be removed from the XXXX and be able to open a regular checking account at any bank like XXXX, XXXX XXXX, etc. I have great relationship with local banks in XXXX XXXX that can vouch for me, including the biggest bank in XXXX XXXX, the XXXX XXXX XXXX, which I have accounts for XXXX years now. Please help get my life back, buy a house, get a checking accounts for direct deposit, and more. 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 explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
MY NAME IS XXXX XXXX THE REF NUMBER IS XXXX BANKRUPTCY WAS XXXX DATE FILED XXXX XXXX 2007 WOULD LIKE REMOVED MY SS XXXX PHONE NUMBER XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I lost my job

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Zenith Financial Network Inc
State: FL

Complaint narrative:
XXXX from this place contacted me about a debt that I have no idea what he is talking about. 
XXXX contacted me today in regards to a debt for XXXX. He said that I have to pay the amount today. He asked me to verify information in which I replied I would not until he told me who he was. I told him if I owed a debt I wanted a written document stating the required information. He stated he could not control the mail system and proceeded to EMAIL this to me. I stated that I wanted a written letter. He would not state the debt verbatium that is supposed to be stated at the beginning of the call. He waited until the end of the call, so glad I did not verify information because of this. He told me I had 48 hours to file a police report. I told him no, once I received written documentation in the mail, I would look into the matter, he stated that he sent letters and nothing had been returned, so I must have received the letter. I informed him that if I received a letter, I would not be asking for one at this time. He then asked how much I could pay today, and again I told him nothing. He asked when my next payday is, which is none of his business. I have included a copy of an email that was sent. He told me to contact him at XXXX, but that number is not listed on this email. I do not know who these people are or what scam they are trying to run, but it needs to stop. 
ZFN & Associates has made the decision to offer you an opportunity to make acceptable payment arrangements on your account. 

In order for you to make voluntary restitution, your payment ( s ) in the amount of {$1400.00} is due today, XXXX/XXXX/2016, after receiving this letter. 

If you fail to comply with the above terms this office will, without further notice, declare the entire balance due and proceed accordingly. 

You can call us at XXXX between the hours of XXXX and XXXX, EST, Monday and XXXX to XXXX, XXXX, Tuesday through Friday. After hours and weekends we have voice mail to receive any messages. Please refer to the ID number indicated above. 

This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. 

ZFN & Associates

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
The doctor 's office is claiming that owe them {$100.00} from back in 2010 and it 's been removed from the other two bureaus all except yours, it is incorrect information I paid the bill in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
BACK IN XX/XX/XXXX i MODIFIED MY MORTGAGE ( W/EXISTING BANK, XXXX XXXX ) AND NOW HAVE DELINQUENCIES OF SEVERAL PAYMENTS ON MY CREDIT REPORTS. UPON MODIFICATION IN XX/XX/XXXX I HAVE BEEN PAYING THE NEW MODIFIED BALANCE ON-TIME EVERY MONTH ( FOR THE PAST 6 YEARS ). THESE DELINQUENCIES SHOULD BE REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax , XXXX and XXXX are not honoring FCRA 605B requests to block entries by Identity Theft. Instead they are opening an " investigation '' with the furnishers ( a dispute ). FCRA 605B requires the CRA to block the entries within 4 business days. The CRA is not to open an investigation or dispute with the data furnishers. This is a block and the action is limited to blocking the entries. There are XXXX items required for the request : 1. Identification of consumer. 2. ID Theft affidavit. 3. Statement that these entries are the result of ID Theft. 
When refusing the block they send out a generic letter - there are only XXXX reasons they can refuse the block : 1. Request made in error. 2. Materially misstated the facts. 3. The consumer received goods or services. They are required to provide a specific detail on why a refusal to block is made ( which they are not doing ). How could they investigate any XXXX of these XXXX items within 4 days or have the ability to gain evidence to support a refusal? So, they are refusing as a matter of policy - which they do not have legal authority to do. 

The CRA 's are also requiring a police report before taking action which is NOT required in the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I paid an account off to the collection agency, XXXX XXXX XXXX ( for the XXXX account ) in XXXX, 2015. After 30 days I had n't gotten a " paid in full letter '' from them so I contacted them. They sent me the letter but, to this date, the judgement still appears on my credit report, as well as the amount showing as still owed and not paid. I will write a letter to XXXX and Equifax about this matter but would appreciate any help expediting this process. 

Thank you ... XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX acct was closed, now its bk on cr rept

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have paid the debt in full and was told by creditors that this would be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
These inaccuracies are damaging my credit score which is causing me serious personal and financial hardship. 
I am, therefore, requesting that your agency assist me in this matter. 
For the past several months, I have been disputing several inaccuracies that are XXXX in my credit report I have written XXXX letters to the credit bureaus in which I requested these inaccuracies be removed. I Also send the my statement and the letter from the court telling that they are not reporting to the credit bureau and you also have both copy Unfortunately, the credit bureaus have refused to comply with my requests. The inaccuracies are as follows : Bureau : Equifax Account Name : JUDGEMENT Account Number : XXXX Bureau : Equifax Account Name : JUDGEMENT Account Number : XXXX Bureau : Equifax Account Name : JUDGEMENT Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-27 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
After repeatedly calling Citi for 6 months trying to resolve my concerns, I submitted a complaint against Citibank in XXXX ( CFPB Case # XXXX ). In response to that complaint, XXXX XXXX, a Client Liason from the Executive Response Unit responded stating Citi would honor my request for XXXX Thank You points and that those points would be deposited in my account in 30 days. I had been paying a $ 30 monthly fee on my account waiting for Citi to award the points. I finally closed my account on XXXX XXXX in order to avoid any more fees. On XXXX XXXX, 2016, I called Citi to inquire about the points. I spoke with XXXX, a customer service agent and XXXX, a supervisor. XXXX informed me that there was no record of Citi 's letter stating they would give me the points and even going so far as to insinuate that I had created the letter myself in order to defraud Citi. A copy of the letter is posted on the CFPB website under my Case #. I have literally spent hours on the phone trying to take care of this matter myself. I am frustrated that it takes hours and intervention by the CFPB to get Citi to make good on their promises.

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 2016-10-07 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Disputed the Public record state tax lien information as paid & released of personal income tax, aged out. Equifax reporting to XXXX XXXX reported different information show no paid or released.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: NY

Complaint narrative:
After losing my job and finally getting reinstated and making payments, XXXX added a series of garbage fees and then turned my loan over to Seterus last year. It would allow me only a 40-year mortgage, when I had only about 12 years left on the original. I accepted it because they threatened foreclosure and I thought I was out of options. I figured I 'd pay it a little bit then sell. But that means that less than {$100.00} on an $ 1819 monthly payment is going to pay down the mortgage ; about half of that {$1800.00} goes to taxes at the moment. Then suddenly this summer, Seterus reported that I owed an extra $ XXXX more on my mortgage, meaning it appears that my mortgage got bigger and I 'd paid nothing off. Three weeks ago, I faxed a request for an explanation ; Friday they pretended they 'd just received the fax the previous day. So my credit is damaged because of the higher total showing, and I ca n't get an explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
My husband and I had a judgment made against us in XX/XX/XXXX. In early XX/XX/XXXX we made a settlement agreement with the collections company. We were able to pay off the account in full in XXXX. We both then received letters confirming our account was " Paid in Full. '' ( see attachments ) In XX/XX/XXXX, my XXXX account showed a new account open in collections for a new amount ( {$1000.00} ) as well as a drop in my credit score. I called the collections company listed and confirmed it was the same collections company representing the original company. They told me to call the original company about the issue. Shortly after the phone call to the collections agency, the reported open collections account disappeared from my credit report but my score was still lowered. In early XX/XX/XXXX the same thing happened. A new amount was listed under an open collections account ( {$1000.00} ) and my credit score dropped again. Same collections agency listed, same original company. It then disappeared again but my credit score remained lowered. This judgment was made in XX/XX/XXXX and we have had no further business with this company. It was settled and closed in XX/XX/XXXX. They have no reason or cause to continually be reporting open accounts on my credit report. I have not been notified in any way of having an account be at risk of being sent to collections. My husband has had no such issues with his credit report. It seems as if I am being targeted. This is greatly affecting my credit score as it lowers my credit score each time it happens.

Company response to consumer: Closed with explanation