vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-10 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I need to know that what I am being shown by my paid account with Equifax is what my score is becuase under CFPB Case # XXXX XXXX states that Equifax has different scores they present to lenders? 
To quote XXXX in CFPB Case XXXX the following : " XXXX said : Explanation of closure Credit bureaus use many different scoring models, even within the same credit bureau. Each bureau can use dozens of different credit score models based on the requirements of different lenders. 
Each credit score model has a slightly different formula that takes into account over XXXX different factors of your credit report ; like a thumbprint, no credit score model is exactly the same. In addition, credit scores can change anytime so you have to make sure you are comparing credit scores from the same day. 
On your XXXX account, you will see the XXXX XXXX scoring model, provided individually by XXXX and Equifax. 
XXXX XXXX incorporates a broader set of credit-related data and can score up to XXXX XXXX more people than other models. With so many different scoring models out there, you never know which score a bank will use, but XXXX XXXX is a strong predictor for what the banks may see. 
Hope this helps! If you have more questions, please feel free to let me know. 
XXXX, XXXX XXXX. 
XXXX Is Equifax committing fraud by using different scores and telling me my score XXXX as shown by attached or is XXXX disclosing false information and Equifax disclosing different score? 

Someone in this matter is CLEARLY being dishonest and corruption should be illegal. When does federal government uphold justice and stop the twisting of information as shown here.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: GA

Complaint narrative:
Filing Complaint about Seterus, Inc. tricking me, harassing me and not living up to what their Hardship Customer Service representatives told me. 

I contacted my mortgage company in early XXXX, XXXX to let them know I was having difficulty keeping up with my mortgage payments. I had been looking for work for over 7 months and was still unemployed. My husband had recently passed away and at that time we had to deal with exorbitant medical bills from his 11 year long term illness with XXXX The last XXXX were XXXX as he was almost completely XXXX except for very limited XXXX. Our care for him was 24 hours a day 7 days a week and all his care fell to our XXXX daughters and myself, so I could not work during this time. 
I explained my situation and that my brother-in-law had offered to teach me XXXX and he felt I could be working by XXXX, XXXX. I believe the first person of contact with Seterus, Inc. who directed me to the Forbearance due to extreme hardship was a Supervisor by the name of XXXX XXXX. I do not have all the names of those I 've spoken with but each time I 'm told I can not get back to XXXX and that I have to speak with whoever answers my call. I have spoken with more than a few which has caused me to have to repeat my situation over and over. That tells me their notes on my mortgage and issues are not documented. Each time I waste time getting the new person up to speed. I followed XXXX express directions ... filled out their form, had documentation of my husband 's illness and death, and a letter explaining my situation and what I was doing to work my way out of it. I was told that there should be no issue with my getting the forbearance but that I would have to make a payment of {$4800.00} before they could approve my forbearance. I borrowed the money and made the payment. 
I found out within weeks that the forbearance had not been approved. I was told by the newest representative of Seterus that I needed to change XXXX things on the forms they required. I did so and within an hour had the new forms to them. That was XXXX XXXX, XXXX and I have been harassed continuously since. 
Twice I have filled out the paperwork as they directed. Twice I gave them exactly what they required. I was told this would not be an issue and that Seterus, Inc. would work with me since I had been paying my mortgage payments on time and was a good customer, and with consideration to the hardship our family has been through. 
I am trying to save my home after some very hard times for our family. Please help. I just require Seterus, Inc. to live up to what I was told would happen .... I would make the lump sum payment and they would leave me alone to learn programming and get employed until sometime in XXXX XXXX. 
Thank you for any and all help you can give me to save my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have been denied credit because XXXX refuses to remove a a negative account from my profile. On my credit report XXXX XXXX XXXX is listed as a seriously delinquent account as of XXXX/2014 although I provided them with a copy of the original contract which states that the contract date was XXXX/XXXX/14 and that the first payment was not due until XXXX/XXXX/2014. Not to mention I paid the first three payments on the date of the contract. I have disputed this item on XXXX occasions and it is an obvious case of XXXX working to keep a bad spot on my credit because XXXX XXXX XXXX is a paying client. XXXX is responsible for what is reported to potential lenders and I want XXXX held accountable for this infraction of the FCRA. It has caused me emotional stress, pain and anguish because I am not able to live my life to the fullest and it is embarrassing to be refused credit especially due to greed. My quality of life has been greatly diminished. Not to mention I have spent days going thru the proper channels with XXXX and I earn {$1000.00} per day.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Eqyufax is guilty of XXXX Discrimination. My credit score was XXXX and now it is XXXX. 
Equifax use their own discretion when it come up with your credit score. I would like an investigation into how they determine one 's score.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: NJ

Complaint narrative:
During XXXX, I submitted a loan medication request via the HARP program to my mortgage services, Seterus Inc in order to prevent going into foreclosure. Seterus constantly sent me letters requesting the same information after I would fax the documents or mail for over XXXX months. During XXXX XXXX, I told Seterus to go XXXX because I could no longer play their document games, saying they never received my entire package. As a result of illness, car mechanical problems, and being out of work which caused decrease in my salary, I was unable to pay my mortgage from XXXX XXXX to XXXX XXXX. I sent Seterus during XXXX XXXX, a letter indicating I can start repaying my monthly mortgage : principal & interest by XXXX or XXXX XXXX after I completed paying off another debt. Since I pay my property taxes and home owners insurance, I also questioned in my why Seterus sent me a monthly statement saying I had an escrow shortage due to an outstanding property tax balance of {$67.00} for XXXX when I do not have any outstanding payments for taxes or insurance. I paid principal and interest to Seterus on XXXX XXXX and they accepted that payment. I sent them XXXX XXXX and they returned my payment. I called Seterus and told payment not accepted because they are foreclosing on my home. Ever since XXXX XXXX XXXX had stolen my escrow surplus for over {$3000.00} and transferred my mortgage loan to XXXX/Seterus, this company had given me XXXX and had been threatening me with foreclosure, constantly used to call my job leaving my social security number with other people at my job, and was charging me late fees for money they said I owed XXXX, but they could not assist me to get my escrow surplus from XXXX, and I would receive unknown fees I was not made aware of or late fees for months when I paid my mortgage prior to the grace period due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I 've been trying to check my credit score but every time I try it ends up saying I have incorrect information. So I tried to check my free annual credit report and they kept saying I was n't able to check it because of incorrect information. Also some weird questions popped out saying that in the system it says I have a loan but I 've never tooken out a loan, and there was another XXXX saying I took out a credit card from somewhere in 2010. The weird thing about that is that in 2010 I was only XXXX years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-15 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit is frozen due to past experiences with fraudulent charges and it has taken several painful years to rebuild my credit. During those challenging years the credit bureaus were no help at all. Therefore, it is so important to me to protect the credit that I worked so hard to gain back. Recently, I had an emergency situation and needed to unfreeze my credit. Equifax made it impossible. It was obvious that they would help me only if I had a product with them, but the office to unfreeze my credit was closed. I tried to do it online and received a message that further information was needed despite having my pin. Why are they so willing to place negative information on your credit file and yet so unwilling to help me when I want to protect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 


XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, Equifax et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Credit bureau reporting unverified accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax response to my complaint : Initiated a reinvestigation which is they sent a letter to XXXX XXXX to respond to my complaint. XXXX XXXX ( the company that has been reporting incorrect negative information on my credit ) sent me a letter which will be uploaded saying that back in XXXX their company was formerly XXXX XXXX. Since Equifax had XXXX XXXX send me this letter they will mail me a credit report and it will say the same thing. The account has been verified as belonging to you, no additional document have been received from the consumer and they will close this complaint because XXXX XXXX has clarified that they were formerly XXXX XXXX in XXXX. I have never had an account with XXXX XXXX. I have never had any contact or dealing with XXXX XXXX. I have never applied for an account with XXXX XXXX. My complaint is that from XXXX to now, incorrect negative credit information is being reported to my credit report. I have uploaded current court documents to support this. This account does not belong to XXXX XXXX and has not since XXXX XXXX. It was disposed, court documents to support but I guess XXXX XXXX is a higher authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Bankruptcy ( according to Equifax 's website ) A bankruptcy under chapter XXXX or XXXX or a non-discharged or dismissed chapter XXXX bankruptcy generally remains on your credit file for XXXX years from the date filed. 
A discharged chapter XXXX bankruptcy generally remains on your credit file for seven years from the date filed. 

***I have a Chapter XXXX bankruptcy that was filed in XXXX and was dismissed in order to convert it to a Chapter XXXX bankruptcy ( at the advise of the bankruptcy attorney ). The Chapter XXXX was filed in XXXX and is discharged. This Chapter XXXX bankruptcy was dismissed in XXXX in order to convert it to a Chapter XXXX in XXXX ( within weeks of the dismissal date ). You can see the dates line up. This is a discharged bankruptcy that was tied together. There are notes in the public records that state I was in a Chapter XXXX and went to a Chapter XXXX. I can provide the document from the court that notes my repeat filing of a XXXX XXXX to a Chapter XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Credit Report Activity Expand All Collapse All New Debts in Collection Since your last update on XXXX XXXX, 2016, you have XXXX overdue debt that has been transferred or assigned to a collection agency. 
Debts reported as in collection can severely impact your credit score, so it 's important to determine how to resolve these debts as soon as possible. 
Debt Collector Original Creditor Balance Owed XXXX XXXX {$37.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The credit bureau received information through XXXX that the accounts that were fraudulently placed in my name were verified. I requested that the credit bureau 's manually investigate these fraudulent account because the were put in my name fraudulently

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-17 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 was refused a free annual copy of my credit report from Equifax. 

I was denied a mortgage loan from XXXX and XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
My credit report has been ok with no late payment until just recently with XXXX XXXX ( XXXX XXXX Reporting wrongly on my report. I have asked XXXX XXXX to remove Late Payment Reporting on my Report. Upon talking to XXXX XXXX they claimed they have sent a letter to Equifax, XXXX to remove, till date nothing has been done. EQUIFAX has not only been evasive over my report, nor have they corrected or prevent this wrong information. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) This should not be happening. I am disappointed that you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish and insist you comply with the law by providing correction of the information within the 5 days to avoid sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
In XXXX of XXXX we had a water leak at our home. Upon investigation it was found to be water from a broken pipe in the wall and water overflowed the dishwasher. We hired a public adjustor. He settled both claims with our insurer. One claim was {$8300.00} and the second was XXXX. We had the public adjustor sign the checks as well as XXXX bank our second mortgage holder. We sent the two checks to Seterus, Inc our principle mortgage holder. Seterus had a series of steps they wanted us to do. We complied with all by XXXX of XXXX. They released the check for {$8300.00} but have been holding the second check for {$11000.00} for two years now. We complied with all paperwork needed and sent in notarized documents on several occasions. Each time we ask for the money they add another demand for more or different paperwork never before mentioned. They are nearly impossible to speak to on the phone. But we have been told several times the money would be released ( on calls they record ), only to find the money is still being held. We have the initial document they sent us with all of their requests. We have our paperwork showing compliance with all of those requests. We want the money released for repairs. We have already sent a notarized document to them approving them inspecting the work when finished to safeguard their interest. We would appreciate any help in getting this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Equifax is not reporting my credit history. I have asked them to run my information so that my credit history will show ; however they ca n't seem to update but one thing at a time. There have been several issues on my credit report with equifax and it is effecting my life ; as most run the equifax credit bureau. I have spent well over a month trying to get everything corrected. I am attaching a full credit report and I want equifax to get my information right. What do I need to do?? See attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Due Diligence from Equifax was not performed on my credit report related to XXXX XXXX XXXX accounts : 1 ) # XXXX, opened XX/XX/XXXX and closed XX/XX/XXXX, most owed {$170000.00} and 2 ) # XXXX, opened XX/XX/XXXX and closed XX/XX/XXXX. I asked it to be removed from my credit reports based on the Independent Foreclosure review performed by the Office of the Comptroller. Per this review, the Office of the Comptroller concluded that XXXX XXXX XXXX practiced " deficient mortgage servicing and foreclosure processes. '' As due diligence does not appear to have been performed by any of the CRAs on this matter, I am asking that these items be removed from my credit report immediately and a rapid re-score be performed. 
Also, I am seeking damages as this derogatory information based on " deficient mortgage servicing and foreclosure processes. '' caused me to be denied employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Multiple hard credit inquiries from various institutions i.e. XXXX over past two months requesting various forms of credit lines with fraudulent information impacting my credit scores. Contacted CRA 's and placed a 90 day freeze on my reportXXXX and XXXX immediately confirmed freeze ( written ) and removed fraudulent inquiries. Conversations were had with the fraud departments at XXXX XXXX and XXXX Bank and informed that no request was made for any lines of credit. Alerts per those conversations were added via their internal processes. The paramount concern is subsequent to the freeze, another hard inquiry by a company XXXX, also fraudulent, via Equifax is showing. No confirmation has been received from Equifax as with the other XXXX CRA 's on correction to the fraudulent inquiries either. After hours trying to determine the status the only response is " freeze has been placed ''. This may be due to their internal process/turnaround time but my concern is after the freeze another hard inquiry shows?

Company response to consumer: Closed with explanation