vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I have made several attempts over the years to have these credit card accounts removed from my credit since it each have been more than ( 8 ) years. During XXXX call the customer service representative was so rude when I only was trying to have him answer some questions. He seemed just so irritated that we never got to a resolution. Mainly I was trying to clear my name with XXXX XXXX Bank who continued to send me bills and financial statements for a credit card I never Got or Used or even Seen before but the XXXX XXXX Bank has been able to keep this incorrect information on my report like the other credit card companies!! These outdated information is continuing to make it hard for me to have normal various rates such as others may have and to make better for my living and employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I disputed XXXX items with XXXX, they did great and took care of me. They were adequate and thorough. Although, XXXX and Equifax will not remove what XXXX removed. I will attach all documents involving my cases in XXXX. I attempted to call Equifax and XXXX but I need to buy I credit report first. I used my annual free credit report and called. They said it has already been disputed and those were the final results. I am asking you for help to remove my negative accounts when I am paid as agreed and to completely remove XXXX because of my separation agreement and final divorce decree naming XXXX ( ex husband ) the car, also stating he is solely responsible and has been since XXXX of 2013.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
To whom it may concern, My Name is XXXX XXXX XXXX Social Security SS # XXXX DOB # XX/XX/XXXXSeveral years ago my dad went through Hardship and was required to declare bankruptcy. He went through the process and paid his dues and fulfilled his obligations. 

Now to my surprise we pulled my credit to get a car and all HIS Judgments and collections are showing up. His name is XXXX XXXX SS # XXXX DOB XX/XX/XXXX. Our shared address is XXXX XXXX XXXX, XXXX XXXX NY XXXXThat would make me XXXX years old at the time of occurrence!!!! I have been disputing this will all XXXX credit bureaus, and they keep verifying it as MINE. Its preposterous!! Just look at my DOB and its obvious it 's a mistake. I am frustrated that his misdeeds have affected me. They are affecting my ability to get sudent loans/credit cards and have a future. I beg you, please investigate and clear up this mess. 
I have attached XXXX mine and his ID 's and a credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I disputed a 30 day late pay on XXXX. It is being reported XXXX 2010- I was in chapter XXXX bankruptcy and should be protected as this account was included in bankruptcy. The account has been paid off. I would like the late pay removed as al payments were submitted in my bankruptcy plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: NV

Complaint narrative:
Complaint against Seterus, Inc. Their procedures and forms are inadequate to meet customers ' needs ( allocating sums to each item payable ) and amount to a denial of their right to pay correctly additional amounts on their principals, every month, in a reasonable manner. Allocation of amounts paid each month since end of XXXX have been erroneously made by Seterus, causing unresolved phone calls and potential harm ( i.e., late payment ). 
Example : this month, on XXXX XXXX, Seterus allocated the whole amount of my payment ( exceeding my regular monthly amount ) to the principal instead of first to my whole monthly payment and the additional extra amount to the principal, and I discovered by chance that my XXXX XXXX payment was not recorded as paid, which would have induced late charges had I not made an additional phone call to verify Seterus ' letter acknowledging receipt of my payment that I received on XXXX XXXX or thereabout. Each month I must deal with this kind of errors which amount to consumer harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I uncovered a BUG ( software error ) in the way Equifax reports the results of a credit inquiry. In my case it was credit inquiry by the XXXX for a student loan. 
The BUG resulted in reporting WRONG information and as a result, my loan request was declined. 
The facts of the matter in this complaint were verified by conversations with both sides ( Equifax and the XXXX ). 
Details : When an account is overdue, credit report states it in terms of days ( XXXX, XXXX, etc ). this is in their systems and in the consumer report. 
HOWEVER, they automated system sends a summary in a DIFFERENT FORMAT, which is " no more than X months overdue ''. 
In my case, my credit report says XXXX90 days late ( this is correct ), but the XXXX gets " No more than 3 months overdue ''. 
that leaves the possibility that the account is 3 months overdue, so the XXXX system raises a " 90 day delinquency '' flag and the loan is declined on this grounds and generate a decline letter saying " specific reason ( s ) is ( are ) : Presently XXXX or more days delinquent ''. 

Please see attached the decline letter from DoE. I provided my Equifax case # above. 

While Equifax manager by the name of XXXX understood the issue and agreed to send a clarification mail to XXXX with my credit report, he says his system does n't allow him to contract the requester XXXX electronically, only by XXXX mail and this could take up to 30 days ( of course to provide the wrong information it took equifax less then XXXX minute, which was the time it took to XXXX to decline my loan ). 

I contacted the CFPB because this is a systemic issue and I 'm sure many other consumers fell for the same bug Thx for

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY

Complaint narrative:
Today XX/XX/2015, I hired the services of Moneygram 's 10 minute money transfer, in order to send much needed {$200.00} to my father in XXXX XXXX, XXXX, XXXX XXXX, as he presented himself with all the required information and documentation in XXXX different Moneygram locations in his town of residence, XXXX of them simply failed to disperse the funds claiming that they did n't have enough cash to cover the {$200.00} and the third location being a XXXX XXXX XXXX refused to disperse the funds claiming that he would be required to hold an account with the bank in order to pickup the money. All XXXX previously mentioned situations have violated the contract in which I entered with Moneygram upon accepting the terms of service and subsequently using the service. After all the previously mentioned I called Moeygram customer service and they told me that they could not refund the funds to me since more than 30 minutes had gone by since the time of the transaction, and that the funds already where in XXXX XXXX, where they refused to give them to my father. After all this my father who was in dire need of this funds and does not own a car had to spend more than {$20.00} in a cab to go to another town to find a moneygram location that would give him what was his money. After the fact i contacted Moneygram by phone which after making me jump through several loops finally connected me to a supervisor, who refused to identify himself other than with his first name, and also refused to refund me with the service fees of {$9.00} that where charged to me which did n't even cover the expenses that my that had to incur in order to go to another town to pickup the funds. I find Moneygram to make false promises, not comply with the terms of their own contract, and to offer a deceptive service with horrible customer service. In my opinion Moneygram gets away with deception like this and then tell you " too bad '' because is a service used mostly by XXXX to send money to their families, which after there is a problem have the tendency to not file a complain, in order to keep a low profile which allows a company like such to violate the financial rights of XXXX people everyday.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax had deleted XXXX a long time ago and now it is back on my Credit Report. I have requested them to delete this from my Credit Report because according to Fair Debt Credit Practice Act, Statue of Limitation in N.C. to collect a debt for an open account in the State of N.C. is 3 years and these accounts are over 3 years old. I also requested them to delete XXXX as pertaining to the Fair Debt Credit Practice Act, because this is over 5 years old. XXXX. all 4 accounts in which 3 have been paid and these should be removed from Credit Report because I have a payment arrangement with XXXX which XXXX did not report. I have also requested them to delete University XXXX pertaining to the Fair Debt Credit Practice Act, this is over 4 years old. Thank you in advance for your help with these matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have a company called XXXX XXXX XXXX XXXX that has a debt listed on all XXXX of my credit files without providing proper debt validation as requested. I even went through the XXXX for assistance ( see explanations attached ). I find this very unfair for the credit bureaus to list this debt even after I disputed it over and over. I am seeking help from your company now to help me get debt validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Equifax has failed to honor the 45 day rule for mortgage inquiries. I have been shopping around for a mortgage since XX/XX/2016 and instead of them counting each mortgage inquiry as XXXX inquiry, they have counted each inquiry separately and have reduced my credit score significantly with each one. Their online dispute for inquiries only offer XXXX options which are fraudulent inquiry or did not authorize inquiry of which neither applies. Writing them is a waste of time because no human reads the letters or documented proof and instead an automated system is used which always verifies inaccurate information as correct regardless of what proof you have or if its inaccurate. I have written many times and provided proof of unauthorized inquiry by actual creditor and they sent the same response each time claiming it is verified as accurate. I want my credit score points restored since they have counted each mortgage inquiry separately and lowered my score 3 times and it should only be XXXX inquiry. The mortgage inquiries are within the 45 day window yet Equifax is not going by the rule.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: AZ

Complaint narrative:
The collection agency ( Seterus ), failed to advise me that my mortgage statement would be mailed to me late ( XX/XX/XXXX ). The mortgage payment is due XX/XX/XXXX. Late payment date is XX/XX/XXXX. 

I called Seterus XX/XX/XXXX, to verify that they sent my mortgage statement to my address. According to the representive for Seterus ( XXXX XXXX ), Seterus discovered incorrect data on customers mortgage statements and that mailing would be delayed. I asked XXXX XXXX why Seterus did not advise it 's clients about this problem to avoid late fee 's and damage to credit scores. XXXX XXXX told me that Seterus is not responsible in advising clients of this issue. I than filed a complaint with Seterus on this issue and I asked to talk to a supervisor. 

The supervisor I talk to was, XXXX XXXX for Seterus. According to XXXX XXXX, " Seterus is not required to send mortgage statements to it 's clients. If the client has an account set up, the client can access account on-line and find out what thier payment is. " According to the Dodd-Frank Act, XX/XX/XXXX ; The new rules are designed to protect consumers by : providing borrowers with better information about their mortgage loans providing borrowers with assistance if they are having difficulty making mortgage payments, and protecting borrowers from wrongful actions by mortgage servicers. 

The new rules require mortgage services to : Send Periodic Billing Statements. 

The mortgage servicer must provide a written monthly mortgage statement to the borrower. 
-The statement must show : the amount currently due ( including how much will be applied to principal, interest, and escrow ). 

-The total of all payments received since the last statement-How prior payments were applied-Transaction activity-Partial payment information-Fees or other charges to the account-Account information ( such as the outstanding balance and interest rate ) -Contact information for the servicer and housing counselors, andinformation regarding delinquencies ( if you 're behind on payments ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
Equifax continues to report inaccurate information regarding XXXX XXXX XXXX XXXX XXXX XXXX Accounts with the account number beginning with # XXXX. XXXX on behalf of XXXX XXXX issued a letter stating that the status of the loans are inaccurate and were directing the credit agencies to remove the negative information from my files.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26 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:
during the annual credit report identity verification review, the questions presented used information for mortgages and credit cards which i have no knowledge of. this led to my credit report being inaccessible. I have never opened a mortgage, and i have XXXX bank card. the questions in the attached image of the prompt refers to accounts i have no knowledge of. So far i have seen evidence of the following fraudulent accounts opened in my name. A mortgage loan opened XXXX XXXX, a retail credit card opened in XXXX XXXX, and a bank card opened in XXXX. I can not access my equifax and XXXX credit reports online currently due to these errors. i am awaiting a mail in report in the near future to verify these are the only discrepancies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: One Technologies, LP
State: CA

Complaint narrative:
Complaint against One Technologies dba XXXX. 
Precedent : XXXX, XXXX XXXX, the XXXX and the FTC prevailed against XXXX for {$22.00} XXXX. [ Ref Tab # XXXX ] -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Beginning in XXXX 2014, XXXX debited my XXXX Card for {$29.00} per month for 33 months [ {$980.00} ] until I discovered the fraud and contacted them to cancel. I contacted them and requested a refund of of {$980.00}. They responded with two topics : 1 ] They refused all refundsXXXX [ Ref : Tab XXXX ] 2 ) They understated the total amount they took by {$470.00} representing a shortfall of 16 months, from XXXX XXXX to XXXX XXXX. [ Ref : Tab XXXX for Totals & Tab XXXX for Credit Card Monthly Statements [ Yellow Highlight ] 3 ] I am requesting the CFPB to collect the total amount taken from my account. [ {$980.00} ] This binder is the only method I had to provide all the documentation, credit card statements, etc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Debt Management Partners LLC
State: TX

Complaint narrative:
Debt Management PartnersXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX ( XXXX ) XXXXXXXXHad a man call me by the name of XXXX XXXX claiming he was a detective and I owed on a payday loan for XXXX XXXX XXXX claiming that I had missed a civil suit court date today and that if I I did n't pay the amount owed he would have the bench warrant executed and I would be taken to jail. He said I needed to pay what was due today which was a little more than XXXX dollars or I would be taken to jail until they give me another court date. Threatened wage garnishment and my license being suspended and when I told him I had no money due to my situation he said I need to borrow money for a down payment or I would go to jail. I was never even served with any type of lawsuit. I honestly felt so scared and had no idea what to think but when I get off the phone with him I reversed the telephone number and it went to an XXXX XXXX XXXX I believe and saw many reveiws claiming it was a scam. I then filed a complaint against XXXX XXXX XXXX who responded saying that the debt was sold to this companyHad a man call me claiming he was a detective and I owed on a payday loan for XXXX XXXX XXXX claiming that I had missed a civil suit court date today and that if I I did n't pay the amount owed he would have the bench warrant executed and I would be taken to jail. He said I needed to pay what was due today which was a little more than XXXX dollars or I would be taken to jail until they give me another court date. Threatened wage garnishment and my license being suspended and when I told him I had no money due to my situation he said I need to borrow money for a down payment or I would go to jail. I was never even served with any type of lawsuit. I honestly felt so scared and had no idea what to think but when I get off the phone with him I reversed the telephone number and it went to an XXXX XXXX XXXX I believe and saw many reveiws claiming it was a scam. I then filed a complaint with XXXX XXXX XXXX who stated that they sold the debtDebt Management PartnersXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX ( XXXX ) XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-23 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax continues to report unverified information, and refuse to verify the accounts in according to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ). they are required by Federal law to verify through the physical verification of the original signed consumer contract. Equifax is in violation of this law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 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 written the Credit Agency multiple times over the past several months and have received responses that they have completed investigation without proving how they concluded the investigation. I have repeated requests and to no avail. I have contacted the creditors and credit bureaus and therefore need help validating these items. 1. Bankruptcy 2. XXXX, 2. XXXX 3. XXXX. Please help and advise. All of these agencies have not been helpful either by phone or mail. I need these items resolved and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
trying to get my credit score. they are asking me questions to verify my identity. but i can not answer their questions about my current mortgage and credit cards because i do not know anything about them. someone has stolen my identity and is using my credit, but i ca n't get a copy of my credit report to find out what is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
Equifax has taken almost 2 months and as you can see it is still in dispute with no date in sight to get back with me. I have been very patient for 60 days

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XXXX XXXX, I sent a letter Equifax asking them to investigate errors on my credit report. Thirty days have passed, and I did not receive a response. I started writing Equifax follow-up letters asking for the results of my investigations, but I still have not received a response. It has been almost 3 months now, since my original letter.

Company response to consumer: Closed with explanation