vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CORELOGIC INC
State: FL

Complaint narrative:
1. I have been trying to get refunded from over-payments that I had sent to XXXX via XXXX XXXX in XXXX, NC. XXXX XXXX office acknowledged that I did make the overpayments to them, but they had sent it to CORELOGIC an associate company with XXXX. XXXX said that they had put all of the money into my escrow account, but there was nothing there except {$250.00}. I have had the home for over 8 years, yet on my yearly receipts it showed that the mortgage of {$110000.00} remains the same ; therefore, I owe XXXX the same amount of mortgage as I had borrowed -- despite years of paying my mortgage. Anyway, I tried to get my refund from XXXX, and was asked to speak with XXXX XXXX who has been nothing but an XXXX. He keeps twisting my words, talking over me, etc. He is refusing to acknowledge the documentation that I sent him including the cancelled checks that XXXX XXXX had cashed. He acknowledges that I am owed monies, but he refuses to give me a summary and check. He wants me to tell him how much I am owed. 

2. Also, I want to know why my mortgage of {$110000.00} has not changed since I purchased the house, or why I have never had any monies in my escrow account except for {$250.00}. He wo n't explain that to me. I did do a XXXX refinance of {$4000.00} last year to save my home from foreclosure, but it still does n't explain why I had no monies in my escrow account and why my mortgage has never been reduced despite paying my mortgage for the 8 years I have had the home. 

3. Also, I need to find another mortgage holder to take it from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
I did write to the credit bureaus, but have n't received a reply. I have been paying all my bills on time for years now, and have paid off several credit cards completely, but my credit score is not going up. I was recently denied a credit card from my bank, XXXX even though I was granted a big increase on my local bank 's XXXX credit card, based on my credit. XXXX has been difficult to deal with, even though I have a good payment history and decent income. Am wondering what 's going on. I am a XXXX XXXX veteran and receive a good amount to survive on, and my wife has a good steady income XXXX for eight years. My score ought to be above XXXX by this time. Also, XX/XX/2015, I applied for a loan to purchase an R/V at a Texas R/V sales location, and the salesman sent my application to a dozen banks, without telling me. This hurt my score, as well. Can I do anything about that? My Social Security Number is : ***********. My phone is : XXXX. My scanner is not working, but I can mail verification of my veterans status, discharge paper, and recent letter from an inquiry into my credit scores. XXXX has been unfair in their denying me, while a local bank in my city, has approved a credit card with a high credit limit, based on my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
EQUIFAX credit factors considered XXXX old collection accounts, which I have cancelled them properly see attachment, and does not consider the antiquity of credit from XXXX XXXX XXXX 's eight years old. I need to re-evaluate my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12 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:
We were notified today XX/XX/2016 that we have Hard Credit Inquiries on our Credit Reports ( Equifax , XXXX and XXXX ) for a loan that we DID NOT apply for. 
The following companies XXXX, XXXX, XXXX, XXXX and others have run Hard Inquiries against our credit reports and we have Never heard of these companies before. We call Equifax and XXXX and they put a Freeze on Our Credit Reports. XXXX has not put a freeze on yet. Equifax and XXXX said we would have to call these companies as ask to have the Hard Credit Inquiries removed but we said this is FRAUD. We had a freeze put on our credit reports so no more credit inquiries can be made for now. We have already had our credit scores reduced by these Fraudulent Credit Inquiries. We need help in all of this since Equifax and XXXX and XXXX DOES Not want to help us. We paid money to have the freezes put on each credit report. Do we now need to seek a lawyer to help us and have to pay for the lawyers fees too? We have tried for a long time to get improved credit scores but in a flash our scores are lower and we did not even apply for any loans or miss payments but are being penalized with no one to help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I tried to submit a complaint through Equifax for hard inquiries on my account and answered all there questions and was told that my personal information was incorrect and that I need to fax them my drivers license. I 'm a little uncomfortable doing that seeing as my personal information on there end is incorrect. How do I go about fixing this and why is XXXX running my credit when that account is setup through email and does not have my social security number attached to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On Equifax I 'm showing XXXX hard hits to my credit rating. Why are inquiries that are over 2 years old still showing? XXXX XXXX has removed the XXXX oldest. 

Why is Equifax still showing a judgement that was satisfied a number of years ago still on their report, but, has been removed by XXXX XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My student loans on my credit report are not reporting accurate payment details or information. The pay history is not accurate or complete. The account details are not reporting in chronological order or in a timely fashion. I would like the pay history update or deleted if not correct

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 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 XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 / and the removal of any fraudulent inquire that was made 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 XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX BANKING XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX BANKING XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX BANKING 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 ), XXXX 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 SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
It 's not that there is incorrect information on my report, it 's that there is very important information that is missing and should be included on my report. I sent all XXXX reporting agencies complete copies of my XXXX XXXX home mortgages and also an equity loan on the XXXX house, all paid off. I was told by them that they will not accept documents of proof from me and that they only will put on a report what the mortgage companies themselves send to them to report. I can not have these past mortgage companies report to them my good credit with these loans, because the mortgage companies no longer exist. So I 'm asking if somehow this can be rectified because as a consumer I have every right to have all my good credit history absolutely on my report and right now it is not on there. It is not fair that my credit is judged without these items on there, so I 'm hoping that somehow this can be solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is a complaint against the Bureau of Equifax, specifically the department of fraud and the technical department. For the following reasons, I am victim of identity theft since XX/XX/XXXX, but this year has been the worst year because there has shown up XXXX accounts that do n't belong to me, that have been opened with fraud and without my permission and also inquiries. Last year the problem was solved after many complaints through here, I sent my police report and affidavit, even though, because this department of fraud is the worst of this country, the communication is horrible and inefficient, they do to your credit report as if it was a joke, even though they have the police report, the affidavit, and all the documents and evidence to show the identity theft. In these last three months, i have sent through fax and certified mail, the new updated police report, where it shows all the fraud accounts in my credit report. And also I call almost every single day to this department and all they do is make fun of me and mistreat me and they are as lying that they have n't receive any police reports when I have the confirmation that the fax was received that I have sent. And also the certified mail was received in XX/XX/2016. This department of fraud is so flawed and inefficient that what they do is pass me from person to person like if I was a ball. According to the manager, they told me I was going to receive calls to solve the case and I have received none. And I still call and they keep making fun of me and do n't take notice of my problem with identity theft in XX/XX/XXXX and XX/XX/XXXX. What type of department of fraud is this that does n't work and go against the federal law of Just Credit when they have the support and evidence of a police report, this law states that when a person is victim of identity theft, that the agency of credit should delete all the fraud accounts in the credit report. For this reason Im making this complaint against Equifax because the technical department even me being a premier member I have to do my disputes online, they should copy the good methods of experian and transunion. These XXXX agencies have already solved my case and are serious people who do their job. I do n't understand how the commerce of this country can go through with Equifax when this department does n't even work. I am going attach the updated police report with my identification to show how this agency makes fun of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is showing a derogatory account on my credit report with no creditor name. Please see the attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I paid XXXX XXXX Hospital bill on XXXX/XXXX/2016 for the amount of {$7200.00} ( Confirmation Code XXXX ) with XXXX credit card ending in XXXX. Please find attached XXXX letter confirming the reception of this payment. However, for some reason the balance appear unpaid in my credit report. 
Please remove this wrong debt information of my report, since this is affecting my credit score. 
In, advance thank you very much, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am in the process of trying to Refinance my home. We noticed on our Credit Report that XXXX XXXX XXXX is reporting my mortgage information to the Credit Bureaus XXXX. 
The same loan number and delinquency dates except one has home listed as a Manufactured Home which is in error and the current listing is correct as a Single Family Home. The error was corrected by XXXX but Equifax and XXXX still show it as Mfg Home and as if I have XXXX mortgages, then all XXXX show it correctly. The XXXX listing on XXXX and Equifax is affecting my credit score and ability to Re Finance as it appears that I had XXXX Mortgages concurrently with same delinquency dates. The Re finance company stated that the Credit Bureaus could not resolve the issue without letter from XXXX, I contacted XXXX and they said it would take 30 business days to research it before they could give an answer or resolve it. This is unacceptable as it was their error to begin with. How come XXXX picked it up and is reporting it correctly along with XXXX and Equifax but XXXX and Equifax still report it in error? Seems XXXX and Credit Bureaus are just pointing fingers at each other. Note : The Credit Bureau report begins on page XXXX of the attached pdf file. Discard pages XXXX - XXXX please.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
A wrong address in XXXX. Not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.

Complaint narrative:
I am currently an XXXX living in XXXX on a temporary basis. I have tried to get my free annual credit reports but can no longer get them on the website. I contacted the credit agencies and was told that they will not give me my credit reports unless I have an address in the U.S. Since I am XXXX, I do not have a current mailing address in the U.S. We are U.S. citizens, my husband works for a U.S. company, we are paid in the U.S. , pay taxes in the U.S. and have bank accounts in the U.S. We should be able to get a copy of our credit reports to make sure there has been no fraudulent activity. I would like some assistance in this matter, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Equifax did not take my statement or investigate my dispute. When I spoke to their customer rep they stated to me more than once they do not investigate. They asked the company who reported to Equifax to investigate. When I spoke to one of their supervisor 's by the name of XXXX XXXX stated to me that they investigate by sending supporting evidence to the company who reported to Equifax. I asked XXXX XXXX is there a way that Equifax could do their own investigation by looking at my bank statements, proof of payments, and my electronic automatic payment statement from XXXX, and she stated to me no! I asked XXXX XXXX why would you accept the statement of XXXX and not look at my proof from a accredited bank that has been in business for over 100 years. She stated to me it is not Equifax responsibility to look at the customers information, but only accept what has been reported by the company who has reported to us. I said to her that they could report anything to you guys without proof, and the only thing she stated to me was " If XXXX lies I could sue them '' When I asked to speak to another supervisor she stated to me that she was the only one I could speak to. I requested to speak to her supervisor, and she stated to me that I was the only person I could speak to. Then I asked her that I need to file a complaint, and she stated to me what the complaint is about? I said to her that I prefer to speak to someone else about the issue. She stated to me that I need to mail my complaint. I asked her why I could not file my complaint over the phone, and she stated Equifax does not accept complaints over the phone. Then she said if there is nothing else she could help me with she was going to hang up. I tried to ask her some more information, and she hung up on me. I called back and talked to another person who stated to me that they will take down my complaint and send me an apology letter. 

I have all of the conversations with Equifax recorded as proof. I would like for Equifax to correct this problem by thoroughly investigate this problem, and not just accept what XXXX will give them as proof. If not I will share my conversations with the people that will read this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax ignored the main disputed item that is a duplicate and more than 7 years beyond the federal statute of limitation, and reinserted a previously deleted item that did not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I wrote a letter about a Frudlent account that says I 'm a Authorized User, I never gave permission to anyone to add me to any account. I have asked Equifax to remove and they have not. I have written XXXX letters The XXXX companies that have me as Authorized Users Are 1.XXXX XXXX ( Authorized User ) Fraud 2.XXXX ( Authorized User ) Fraud 3. XXXX XXXX ( Authorized User ) Fraud I NEVER GAVE PERMISSION TO BE ADDED TO ANYONE ACCOUNT I ALSO WAS LIVING OUT OF THE COUNTRY FOR OVER # YRS WHEN THIS HAPPEN.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I was recently pre-approved for a car loan through one bank. I went to purchase the car on a Sunday and that particular bank was closed. Without my knowledge nor my consent the car dealership reached out to several banks to attempt to secure a car loan. This has since placed my credit status as poor. I would like each bank to be notified that I did not sign or verbally approve of these inquires and I wish for them to be removed from my report immediately. I will be contacting the dealerships main office to file a complaint against this particular dealership.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX I requested my credit report. Letter dated XXXX XXXX requests additional information. I sent them colored copies of my driver 's license, Passport and social security card. In addition I sent them documents that state I paid XXXX accounts in settlement with XXXX account a charge off with a XXXX. What I received was inadequate. Equifax sent me a letter dated XXXX XXXX concerning verification of my name and address only. No mention of my documents sent to correct my credit report? Equifax is a XXXX company! 
I would like corrections made in a reasonable time. Equifax is not in compliance with the law!

Company response to consumer: Closed with explanation