vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I have a loan with CitiMortgage, and for 18 months it was being paid by XXXX because I am in a hardship situation. So when that ran out, I applied to Citi for help and they said they would try to modify the mortgage. Well months later they agreed to a modification on a four month trial basis, and if all went well, it would become permanent. I learned that my loan was serviced by Fannie Mae, and my Citi contact helped me set up the payments for the 4 months to be deducted from my checking acount automatically. The XXXX one went well, and then I learned that my mortgage was transferred to XXXX XXXX XXXX, and tons of paperwork with it, of course. I was told the XXXX payment should be sent to XXXX XXXX and I advised, or tried to, both XXXX and XXXX XXXX that it was to come out automatically on the XXXX of the month prior to the XXXX when it was due. Well now I was told Citi was no longer handling the loan at all, and I would have to talk to XXXX XXXX, however, XXXX XXXX told me that it had not yet been transferred completely so they did n't have all the info. After many calls, I finally got a XXXX manager, and he told me to send in my XXXX XXXX payment, which I did. The interestiang thing that happened was when I check my bank account XXXX XXXX, looking for XXXX 's automatic entry, it had disappeared. They were not listed as one of my debtors at all and even if it 's a single payment they should be so I could not verify the information that was set up. The XXXX payment due XXXX XXXX was taken out on XXXX XXXX and that was it. So in talkng to XXXX they say they ca n't talk to me cause they no longer have the loan, and XXXX tells me that it is not yet transferred completely. Where is it, in the clouds with all the other wireless stuff? XXXX Housing Agency is helping me now, they have in the past and they suggested I contact you. Thank you for being there. I am a XXXX trying to maintain my home to the best of my ability.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: SD

Complaint narrative:
This is a business dispute with XXXX. Not a credit issue. 
XXXX agreed to provide a working phone for a two year agreement. They handed me a phone with a bad hinge on it. It would cut out while listening. This was after XXXX mailed to me that could n't be activated. 
XXXX charged me {$35.00} cash, to turn in that broken phone. Thus causing the two year agreement to be moot. This is a rip off. XXXX, flat out, was n't willing to provide a working phone on this agreement. 
The bill they are trying to collect. 
{$35.00} charge for a 'free ' phone that I never actually got ( a working phone ). 
{$25.00} for the time It took for another phone company to pull the number. That closed my account. 
I have no intention of paying the {$35.00} of the {$60.00} bill for a 'free ' phone they never actually provided. 
The {$25.00} of the {$60.00} I consider paid when I turned in the broken phone and was manipulated into paying {$35.00} cash to do so. 
XXXX still owes me {$10.00}. 
XXXX has no right trying to collect {$60.00} from me. 
XXXX has no right to Slander me on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Seterus, Inc.
State: MD

Complaint narrative:
We refinacned on XXXX XXXX, XXXX and paid off our mortgage with Seterus, Inc. We received an escrow statement dated XX/XX/XXXX stating that they owe us {$2000.00} for an escrow overage. As of today ( XXXX/XXXX/XXXX ) we have not received it. I have called numerous times ( XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX ). Everytime I call I get some one else and they state to wait anouth 7 to 10 business days. Seterus has obviously held entirely too much escrow and now will not return it. By law they should have returned it by XXXX/XXXX/XXXX. It is now XXXX/XXXX/XXXX! Seterus, Inc. is a shady company. They are not honest. I beleive they lie to the consumer about returning funds. And they are obviously holding too much escrow for the motgages they hold. I have attached the final escrow account statement dated XXXX/XXXX/XXXX with my notes.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: OH

Complaint narrative:
We had our mortgage sold by XXXX to Seterus, They never sent us any information about our mortgage, no statements amount owed or due dates. We called repeatedly and they would not give us any information. Finally we had an attorney call and he got us an address to start making payments to. We have no information on any charges or fees, until yesterday when we got a bill for over 8 thousand dollars due in four weeks. We called and finally a person talked to us and they told us to file for a modification, and maybe we could avoid foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Hello, I lived almost all my life outside of the XXXX in XXXX I just came last XXXX here. I tried today to get my free credit report since I got a credit card last month. They asked me about a credit that I took in XX/XX/XXXX, and a retail card I took in XX/XX/XXXX I do n't remember any of this transactions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been working very hard to raise my credit scores, so that I might try to buy a home instead of renting. I have had child support issues in the past, mainly due to financial hardships out of my control, layoffs, injuries, ect. I have i.d . theft protection thru my bank, which I pay for monthly. this gives me access to my credit report on a daily basis, from the XXXX major companies, XXXX Equifax, XXXX. when I told my real estate agent that my score was above his requirement to get me financed, he went ahead with standard credit check, on XXXX the company he used was called XXXX-credco. they sent him what they call a CREDCO INSTANT MERGE CREDIT REPORT. it reflected the positive payment history on my credit card, but did not show the positive payment history on my XXXX child support cases. when I look up my own report thru any or all big XXXX credit bureaus, they show positive payment history dating back 24 months on XXXX child support cases. Credco 's report shows NO payment history, and have XXXX child support cases listed as in COLLECTION. this is not true, due to the fact that Missouri is garnishing my social security, and my pension for this child support and have been doing so for years. I called credco, and they told me that they forwarded the report to my real estate agent, just the way they received it from Equifax. I tried to call Equifax to no avail. why can I get my report with positive payment history, but credco and my real estate agent can not? this flaw in the system cost my home loan approval, even with my V.A. home loan certificate. my agent tells me that if the credit report would reflect my good monthly payment record for these XXXX child support cases, that he could have pushed loan approval thru. I reached out to everyone I could contact, only to get the runaround. everyone points the blame to someone else. are there not laws to protect people against wrongful or half truthful, or incomplete reports? seems to me that this system is set up to report as much bad as possible, so that the financial institutions can make money buy jacking interest rates on people with less than perfect credit scores. thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The question " Have you disputed the issue with the credit reporting company and received a final response? '' has XXXX answers on my part. I have disputed the information with the credit reporting company ( Equifax ) ; however, the credit reporting company ( Equifax ) has neglected ( deliberately ) to provide a response within the allotted time by the FCRA. I am including my disputes for your reference. I have been the victim of ID theft, and an account that was supposedly opened XX/XX/XXXX and never showed in any of my reports is now shown in my Equifax report as 31-60 days late. I have never opened an account with XXXX and the company itself has refused to provide any information to me because " the information '' does not match their records. I request Equifax to remove this account and all inquires that were not authorized by me, and I have sent them a copy of the police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
Due to reduce of income I did applied for a loan modification with my mortgage provider ( Saturus Bank ) This process began on XX/XX/XXXX after sending all modification requirements I received a four month Trial package on XX/XX/XXXX the trial began I payed on time as the modification agreement.after completing the trial the modification approval arrive on XX/XX/XXXX. I keep making my payments on time. and Contacting the lender every week. as of today the modification is not finalized due to XXXX XXXX is the owner of my loan and they are reviewing and eventually approve it. my lender keeps confirming that this process could take up to Six months for XXXX to be approve. I been contacting supervisors to get an strong answer of the delay, but every week I received the same answer is under review and keep making your payments .on the other side I received one or two phone calls from the bank requesting payment of the past due and threat me that if I do n't pay the balance I will be in foreclosure and loose the property. My answer is that I am on a modification process and is not finalized. I am requested the bank representative to please check the notes to understand the process and treating me with foreclosure actions.

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

Complaint narrative:
I would like to know, WHY,, When Anyone checks their credit report ( Hard or Soft Check, ),, their credit rating is Lowered.. Keeping track of your credit score should Not be Punished.. 
I have gotten MANY responses,, But No One knows the answer to my question ... 
This is an Upper Level Executive Question ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
did not give authorization to access and use my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
The company Pressler & Pressler has been contacting me almost every day, in some instances after XXXX at night. I received notices in the mail that I would be arrested if I did not pay the debt. One time- and only one time did I actually take the call. The gentleman on the other end tried to strong arm me- demand me to pay online, was very rude, and the phonemail ended when it was getting nowhere. Since then- they call and call, and now they sent me a notice that they are suing me for amount due - {$1800.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I did a short sale with a XXXX XXXX subsidiery XXXX or XXXX in XXXX 2012. It closed and for 4 years they wont report the first mortgage correctly and still show it open and in dispute. Either the bank XXXX XXXX sub XXXX XXXX XXXX XXXX or credit bureau Equifax will not update and report closed short sale and report correctly and remove consumer dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax has not corrected their information on my credit report. The XXXX account is still reported as open when it is actually closed. The Merchant closed this account and reopened another. Please assist in helping me get this information on my credit file corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX You are in Violation of The FCRA You must supply to me the method of your investigation and VALIDATION not verify everything. 

You must remove the Fraud alter from my credit profile!!! 

You must remove the inquiry for XXXX XXXX from my credit report!!!!! 

You must remove the inquiry for XXXX XXXX XXXX from my credit report!!!! 

I request the method of verification, under the FCRA section 611 ( a ) ( 7 ). 


Escalate his call to a supervisor do not use the XXXX. System You must update my credit score!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax keeps wrong information on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax refuses to provide paper documents to prove that the United States Bankruptcy Court for the XXXX XXXX of NC is reporting bankruptcy number XXXX is indeed being reported to Equifax. This involves a dismissed chapter XXXX bankruptcy. I have noted to Equifax that I have spoken with the Clerk of the Bankruptcy Court and they are no reporting this bankruptcy any longer, however Equifax refuses to remove it. XXXX and XXXX have removed the bankruptcy and are no longer reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX SS # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX ACC # XXXX XX/XX/XXXX XX/XX/XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX XXXX SS # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I looked at hard enquiries. I have no idea who these companies are checking my credit. I bought s car from XXXX XXXX last year. I see a recent inquiry. Also I do n't know who this Cb something that shows repeatedly checking. I want them removed. The last legitimate inquiry I ask for was a XXXX XXXX be reinstated. Everything outside of that I need deleted. 
Also, I volunteer the accounts that were closed. I paid in full and asked the company to please Cluse my accounts. On every one closed it says closed by the creditors. That is not so. Lastly, it shows late pays. I went through one rough patch in 2013. I have had on time pay for everything since. 
I appreciate your help in making all the adjustment. 
I have been working hard for years to correct many wrongs in my life. 
Kindest regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-29 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Erased old data being re-inserted. Re-disputing the XXXX XXXX XXXX item ( dispute number XXXX and number to be ) based upon an improper reinsertion per FCRA rules 15 U.S.C. 1681 ( i ) ( B ) ( ii ). This data is affecting my FICO rating for the second or third time. Equifax declined to give me a True FICO score.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
HelloMy name is XXXX XXXX XXXX complaint is with Equifax Credit continuing wrong information on mywife XXXX XXXX and my own credit report.We have filed bankruptcy XXXX of 2014but reaffirmed our auto loan with XXXX XXXX bank of XXXX, NH and have not missedone payment with them I have put in XXXX disputes with Equifax and have spoke to XXXX XXXX and they have notified Equifax of the correction but have refused to change the status of our credit reportThe other XXXX credit bureaus have made the the correction with our reports but not Equifaxany help with this problem would be appreciatedXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax continues to report XXXX Bank as an Open Account, thereby distorting my credit utilization. This account was charged off in 2010 and is due to drop off permanently soon. My actual and current credit utilization averages XXXX therefore my credit score should be higher.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This item has been disputed previously. The complaint was file, because the TRADELINE WAS INCOMPLETE. The response did not respond to the issue of the record being incomplete. 

" Equifax said : Explanation of closure Equifax has reviewed your complaint and its records regarding your dispute. The XXXX XXXX has verified name, address, birthdate, social security number and the DLA, closed date to be XX/XX/XXXX on the credit file. '' The XXXX XXXX Tradeline, lacks any Payment history - and in incomplete. The Pay History is Required, and does not exist on this record. 

A screen shot is attached. 

This account should show a " NR '' or a " PAY '' for the duration of time, in which it was opened based on the reporting guidelines that define a COMPLETE record. 

The record is INCOMPLETE, please Add the payment history accurately - or DELETE the Trade line.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax has denied me and others from being able to view my credit report. I called in to inform Equifax of certain inaccuracies on my report and from that point on I 've been mistreated by Equifax Office of Consumer Affairs. I have been hung up on and yelled at from several employees in the office of consumer affairs and its manger or supervisor by the name of XXXX. She has instructed her employees to not even verify me and call me out by my name without verifying my identity. Now when I call I ca n't even reach an agent. They just blind transfer me to an empty voice mail based on my caller ID when I call in to get service on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have disputed the XXXX account that is on my credit file numerous times with Equifax. They have refused to update the information causing my credit score to suffer. XXXX is reporting the account as a charge off with the amount. However when I disputed this item with XXXX they sent me a letter advising that they no longer own the debt and that it is owned by XXXX XXXX. If this is the case the account can not continue to be reported as a charge off. It should report as a transfer or sold. Equifax has completely ignored my request to dispute this information. Each time I 've disputed Equifax just comes back ans states the information has been verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30 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:
CONTACTED EQUIFAX FOR INQUIRY REMOVAL. ADVISED I WOULD NEED TO CONTACT CREDITORS DIRECTLY. DID SO CREDITORS NEVER RESPONDED NOR PROVIDED PROOF OF INQUIRIES. I WOULD LIKE THE FRAUDULENT INQUIRIES REMOVED ASAP.

Company response to consumer: Closed with explanation