vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax refuses to block information resulting from identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25 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:
On XXXX Campus XXXX XXXX XXXX and XXXX ran hard inquiries on my Equifax Credit report and XXXX Credit Report. XXXX removed this hard inquiries since I did not authorize them and never heard of these companies before. 
Equifax still has not removed them from my equifax credit report. 
We still need this to happen. This is our second request to have these unauthorized fraudulent hard inquires removed from our equifax credit report. Do n't understand why equifax is not doing what XXXX did and remove them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
Our loan servicer, Seterus, repeatedly refused to review and eliminate the PMI insurance on our home loan in numerous correspondences going back over the past two / three years. They were adamant that we needed to pay them for an appraisal even through the remaining loan amount when compared to original formal appraisal in Seterus records was far below the 78 % threshold for eliminating PMI altogether. We have sent Seterus numerous letters demanding removal of our loan PMI in the amount of {$200.00}. Seterus always responded with a form letter and demand {$350.00} for a new appraisal before even considering our demand. THEN, WITHOUT ANY LETTER OF EXPLANATION or verbal communication, Seterus lowered our PMI from {$200.00} to {$53.00} in XXXX 2016. This was literally " Out of the Blue. '' They also sent us a check for {$830.00} with a notation " Overage Refund. '' As we investigated, we found that Seterus, for some reason which we have no knowledge of and have never - to this day - received an explanation of, reduced ( did not eliminate ) our PMI from {$200.00} to {$53.00}. WHY? No Clue, but this action and the fact that the outstanding loan balance amount did not drop *dramatically* ( normal month to month principal reduction ) between XXXX 2016 and XXXX 2016 supports our on-going contention that we have been overcharged by Seterus for PMI **going back years**. No one at Seterus will ever get on a phone and explain what is going on, and our written communications never give us a person to call as they are always signed " Sincerely, Seterus '' or " Your Correspondence Team. '' Our claim is that Seterus has been overcharging us on PMI for years and we are owed far more than the {$830.00} Overcharge Refund they have sent us. This is a systemic PMI overcharge that goes back years and we want a refund for all past year violations / overages and sanctions against Seterus for this action. The loan is owned by XXXX and we will be addressing this with their Fraud Division as well. 
Seterus Loan Number : XXXX Address : XXXX OR XXXX Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
This is the second case I 've had like this. There system is replacing reported data with " NR ''. For years, Equifax has report my XXXX automobile account as 30 days late for XXXX XXXX. As it gets close to the 81 months of reporting, their system is turning months into " NR ''. By doing so, this is NOT allowing 7 year old negative accounts to purge off. The XXXX account is scheduled to purge off because its 7 years for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-12 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Have been disputing issues with Equifax in reference to my case and credit reporting errors since I have been a victim of fraud. It seems that they still have erroneous credit inquiries and debt accounts on my credit report. I requested an accurate copy of my credit report and Equifax states in a document on XXXX/XXXX/2016, t that my credit history is stored in different files. I want to have it to where I have XXXX credit file, with accurate credit reporting and I would like for them to remove the fraudulent credit inquiries on my credit file. I am in the process of beginning the journey of purchasing a home for myself and my XXXX children, and with inaccurate reporting it will be difficult for me to gain a home with a reasonable rate if they are inaccurating reporting my information in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Fell behind on debt, and XXXX issued me a XXXX and forgave the debt. Included XXXX forgiven debt as income on taxes XXXX years ago. Recently, this supposed debt to XXXX popped up on credit report. There was a past due balance on the credit report. Filed disputes with all XXXX credit reporting agencies, and after several disputes and sending all of them a copy of the XXXX showing that the debt was forgiven, both XXXX and XXXX changed my credit report to properly reflect a XXXX balance on that account ( XXXX still refuses to stop reporting a balance on the debt to all XXXX reporting agencies, even though it was forgiven ). However, Equifax has refused to make the appropriate changes even though I have submitted all the information and the copy of the XXXX Equifax told me over the phone that they basically report anything that XXXX tells them to, even if it is false information. They said they could not change the report, even when there is concrete evidence that the debt was forgiven. This is absolutely not true. I warned Equifax that if the information was no updated accordingly ( Equifax has a legal duty to report the truth after their investigation, not just anything that XXXX tells them to, regardless of veracity ), I would contact the CFPB, and they would be able to sort this mess out. I have documentation of the XXXX, a copy of the letter I wrote them, and a copy of the Equifax investigation result, which did not change anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have several hard inquires that were not authorized by myself. XXXX are from a fraudulent XXXX XXXX Credit Card that was opened in my name. XXXX XXXX canceled the card and reported it to the XXXX credit bureaus and this was removed from my credit report except for the hard inquires with Equifax. Equifax refuses to remove the hard inquires. I also have a hard inquiry from XXXX XXXX XXXX, and XXXX from XXXX, neither of which were authorized by myself at any time. The hard inquires that I have on XXXX are accurate and correct, but Equifax refuses to hear and act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
Equifax is giving me a wrong name, stating that I 'm also know as XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
someone started a comcast account under my social security number but its not me and gave no permission to do so

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have requested a method of validation on an account multiple times since XXXX of 2016 for my account from this debt collector. The account is from the debt collection " XXXX ''. This account has been PAID and agreed to be deleted. It has been deleted from both my XXXX and XXXX reports. Equifax keeps denying me the deletion of this item. I even requested validation and every single time they have never responded or sent me any information about the account because I know that they truly dont have any and cant validate it. I asked all three credit bureaus to verify with XXXX so that it could be removed from my account due to being paid in full as agreed. I have made multiple attempt through equifax and they ignore all these attempts and do n't verify data. Even though my proof of payment and deletion are there they wont delete this account. I want it resolved as soon as possible. And please dont come on here saying that you all called, or that you sent me a letter in the mail on some previous date because thats a lie and I never received anything from you about this account and I have been receiving my mail from the other creditors and the XXXX bureaus just fine. I asked Equifax , XXXX and XXXX over 3 times to do this for me and both XXXX and XXXX agreed. Equifax needs to take care of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
In the midst of refinancing at another bank, my current mortgage was picked up by another bank thru an acquisition. The new bank is M & T bank. They marked me late for a mortgage payment. The month prior I set up a draft, which was taken out 4 days late. No issue with the bank. 

The next month it was never taken out. I attempted to login to the banks online service & was blocked. I have a print out of this. The payment is due, per the invoice on XX/XX/XXXX. In this case XXXX XXXX. They marked me late XXXX XXXX. Interestingly, there was no late fee, but I was late for credit purposes. I learned about it from my banker doing the refi. 

M & T was no help at all. One person there said they attempted to contact me via phone regarding the draft.When I made a follow up call, the woman I spoke to had no phone number on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Unable to get my Equifax report on line. i been trying for over 6 month and keep getting denied accesshave

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax refuses to properly investigate an inquiry that was n't authorized and is fraudulent. On XX/XX/2016 I had an inquiry form XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 00:00:00
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: GA

Complaint narrative:
on XXXX/XXXX/2015 i went to store # XXXX XXXX GA XXXX XXXX XXXX to put on my prepaid card and i was told to pick up the western union phone an i did and the lady proceeded to ask me for my account # an i told her it was a prepaid card i wanted the money to be available the same day she still ask me for acct # ok so when the money wasnt available within a couple of hours i call the western union back an told them that she did n't conduct the transaction correctly an i needed a refund an they told me i had to wait XXXX hr an i been doing that since this happened an still waiting for my money they told me it would be in my bank on Monday it Tuesday its still not there i call again they told me to wait XXXX more hours please help so angry they have terrible customer service

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-06 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE
State: WA

Complaint narrative:
In XXXX 2016 I sent money by Western Union to a XXXX XXXX XXXX in XXXX. I do this often as I manage a small XXXX retreat center in Washington state. I made a mistake when I first sent the money by sending it to XXXX, forgetting that he was now in XXXX. I resent the money to XXXX. No problems. However, I called Western Union to see if I would be eligible for a refund of the money I sent to XXXX. It was never picked up due to the XXXX being in XXXX. I was told 'Absolutely! You will get a refund. Just do this ... .. ' Well, that was XX/XX/XXXX. I have been dealing with WU all these months being told each time I called 'just do this .... ' The last 'just do this ' was to send notarized statements of where I lived, my ID and I even included bank info. I was given the usual story ... .you 'll get a check in 1-2 weeks. I never received anything and they can not prove that they sent anything. The last 2 times I called I spoke to supervisors who essentially gave me the run-around. The last one even said 'yes we have all your information including the notarized documents. Just send us more notarized .... ' I cut him off and said I would not do that, that they had everything they needed for the refund. He actually laughed!! I have documented all of my conversations from XX/XX/XXXX through XX/XX/XXXX. 
Obviously they have no intention of refunding the money. Of course I would like to get my refund but more than that, I would like to see this behavior stopped. What happens to people who are not English speakers or who have trouble with complex directions or both? They are easy prey. Thank you for any help you can give.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01 00:00:00
Product: Money transfers — International money transfer
Issue: Other service issues — 
Company: WESTERN UNION COMPANY, THE
State: OK

Complaint narrative:
I made a transaction using western unioun, about 7hrs later, I seen where the declined the transaction and they never gave me reason why.The took $ XXXX plus {$11.00} for the fee off my card.they said it would be put back on in 7 days.XX/XX/XXXX is when i sent they western union or tried to .It is now XXXX XXXX and i still havent got my money, and i have called, i have sent bank statements showing where they took my money.I am getting know where with them, The way i see it they took money off my card in 3 seconds, it shouldnt take 30 days, I really need that money at the time.They just wont work with me or tell me the truth they just give me the run a round.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14 00:00:00
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
XXXX XXXX XXXX for some reason decided to use Western Union this time as we were waiting for this money in XXXX Texas. A Western Union payment was processed on XXXX XXXX 2015 ( XXXX XXXX is XXXX hours ahead of CST ). They asked me to go to my XXXX XXXX XXXX and give them the XXXX number ( XXXX ) and should be able to get instant credit. However, XXXX XXXX XXXX told me that they not deal with Western Union and I called the Western Union to see where I could get my XXXX USD and they recommended me to go to XXXX of XXXX XXXX, close to my place. 

XXXX told me to wait for 15 minutes while Western Union processes all required checks etc. Later I was told by Bank Teller that she could not process the request. 

I called Western Union and after talking to them 2-3 times with misinformation and finally talking to their superior, I was told that the payment has been sent back to the Sender. I asked for a reason and they said that they are protecting their client and can not disclose me the reason. That was after 2 hours of time spent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
I missed the payment date a few years back and forgot all about it, they never emailed, never called then all of a sudden today another company called Cash Advance emails me, telling me they are going to contact the police and that i 'm going to jail if i do n't pay them {$640.00} via a XXXX card. when i asked them why could i not do it with a money order and mail it to them they refused and now they are saying i have to get a lawyer and pay {$8000.00}. they also refused to allow me to make payment arrangements with the company i took the loan out with ( 2 years ago ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
The californias check cashing in XXXX XXXX ca on XXXX XXXX XXXX XXXX XXXX..they call from XXXX and different random numbers past XXXX and multiple times a day and said they increased our debt and will continue to do so until we pay .I 've hung up they 've called right back and have call logs to prove it.I have verbally expressed in that my husband went on XXXX and we will make payments or pay in full when we can they refused payments and continue multiple calls per daywith intent to belittle its unprofessional and awful and I tell them the same thing every time the call over and over from different numbers .how can I make them stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NV

Complaint narrative:
There is something wrong with the modification done by Bayview Loan Servicing. The loan from Bayview was transferred to XXXX XX/XX/XXXX ( which is n't any better ) but I need to deal with one at a time. I want to refinance my home. My mortgage statements from XX/XX/XXXX - XX/XX/XXXX have a total amount due of $ XXXX. In XX/XX/XXXX I sent a request for explanation of what the XXXX is. XX/XX/XXXX, I received a letter giving the " Corporate Advance Breakdown ''. There are attorney 's fees, litigation fees, attorney title costs ( what is that ), XXXX atty cost, auction fees, MISC, really MISC, etc. I ca n't get anyone to answer me or call back to explain these descriptions AND if I were doing a modification, why would there be attorney fees or litigation fees? The modification process with this company was so painful and the worst experience. Obviously I needed help because I was asking for a modification and I am afraid they took advantage of my situation. 
I received a letter dated XX/XX/XXXX titled LOAN ADJUSTMENT AGREEMENT CORRECTION LETTER saying " Due to a clerical error the Deferment Amount of {$100000.00} has been adjusted to reflect the correct amount of {$92.00}, XXXX. 
As the corrections inure to your benefit and represent the intent of the original transaction, Bayview Loan Servicing , LLC has updated your account accordingly ''. BUT my XX/XX/XXXX XXXX statement is confusing and payment went up {$110.00} AND if looks like the {$9900.00} was was added to my XXXX mortgage. I am not a loan officer or mortgage expert so I do n't know what is happening. All I know is I need help and explanation to figure this out. 
Like I said, the modification process was a joke. I would get duplicate packets in the mail saying I was not approved after I had already signed and sent back paperwork and had a modification agreement. This happened twice. Please Please Please check this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: VA

Complaint narrative:
Bayview Loan Servicing , LLC took over my loan from XXXX XXXX XXXX, after the Federal Government found XXXX XXXX XXXX guilty of improper mortgage modification and I was awarded {$2000.00} dollars and they were to complete trial modification. They did n't, they sold it to Bayview. Bayview has delayed, denied, stalled the loan modification for years now and continues to say they either did n't get requested documents, when I have proof of delivery or they just deny it outright ; telling me they represent the investors not the mortgage holder. This is criminal. They improperly send notices through their attorney prior to even sending decisions trying to foreclose, even during my XXXX and especially on Holidays hoping I was not home. They need to be reprimanded and fined for not following federal guidelines just at XXXX XXXX XXXX was.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
We received letter in the matter of Paymap Inc. Consent order file No. XXXX, there were check that was not cashed we need to reissue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
This agency never sent me a notice before placing XXXX erroneous accounts on my credit. Which is illegal. I asked for validation of these accounts and received no response. Yet, they continue to report on my credit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monarch Recovery Holdings, Inc.
State: CA

Complaint narrative:
This company is trying to collect a debt that as sent over to them from XXXX XXXX and I 'm currently disputing all charges with XXXX at this time. XXXX cotniually violates credit card rules and regulations and here is a clear example of them sending this to a debt collector when we are in the dispute process

Company response to consumer: Closed with explanation