vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: PA

Complaint narrative:
I was recently noticed by Seterus, my mortgage servicer, that I owed late fees for late payments for XXXX 2015, XXXX 2015 and XXXX 2015. I have records from the USPS showing the tracking data including the date delivered and signed for by an official of Seterus. On one occasion, the XXXX 2015 delivery was delayed by the USPS for an unknown reason. The payment was mailed 3 days prior to the due date. The payment was mailed through USPS using a 2-day priority mail postage. It was delayed by 4 days with no explanation. I called Seterus and was told by their customer service department that the only way I could dispute a late fee was to write to them and mail it. I had previous taken care of similar issues over the phone but now they are telling me this can only be disputed by mail. 
The due date for my mortgage payment is the XXXX of the month. The 15 day grace period allows to the XXXX of the month. As per the attachments, the payments for XXXX and XXXX 2015 were received and signed for on the XXXX of the respective months. The XXXX payment was mailed on the same date as usual but it was delayed by the USPS which is shown in the tracking information. It was supposed to be a 2-day priority mail delivery with signature verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Had XXXX XXXX XXXX for approximately 15 years and sold my residence. When I called and cancelled my service the representative asked where I was moving to that they would like for me to continue to be their customer since I had been with them for such a long period of time. I informed them that where I was moving that there was no service for XXXX XXXX in that area, they went as far as having an engineer do testing to see if there was any possible way to get me XXXX XXXX service. This was approximately XXXX of 2014, the engineer called me back and stated that I was correct in stating that XXXX XXXX did not service this area and advised me that when I go to turn my equipment in make sure I get a receipt as XXXX XXXX is notorious for not checking in equipment and turning it in to collections. On or about XXXX 2014 I delivered my equipment back to XXXX XXXX and low and behold they said that their system was down and was unable to check the equipment in so I told them to give me a receipt for my equipment, which they did. Approximately 6 months later I get a bill from XXXX XXXX for the equipment, so I called and sent in the receipt showing them when I turned it in they said no problem we will get this taken care of. 6 months later got another bill for the same thing spoke to XXXX different people and they stated we will take care of this. So I ran my credit a couple of months ago and now there is a collection item on my credit report that someone from XXXX was suppose to take care, called and said no problem we will take care of this. So I have waited a couple of months and re ran it and it is still on my credit. It is very sad that the cost of telecommunications is outrageous and you pay it religiously every month and when service is stopped for whatever reason you just become a number and if your credit takes a hit because of their poor customer service so be it as they seem to owe you a thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was a victim of Identinty Theft and had numerous inquiries, accounts opened in my name and wrong information on my credit profile with XXXX, XXXX and Equifax. Several of the accounts that did not belong to me were already in collections and reflecting on my report. At the advice of my attorney, I filed a police report showing that these accounts did not belong to me. Then I proceeded to dispute them with all credit agencies and provided the police report. Within 30-60 days both XXXX and XXXX deleted all accounts not belonging to me. Equifax removed several accounts with the exception of XXXX in collections which I have desputed several times and they still report on my Equifax profile. I have called several times and they claim the information was verified with the creditor. However XXXX of the other accounts they did remove was with the same creditor. I questioned why that account came off and the other XXXX didnt if they all belong to the same creditor. No one would give me a clear answer and simply suggested I submit another dispute. I have been dealing with this issue for 8 months and I am not getting anywhere with Equifax and they can not explain to me why XXXX and XXXX verified the same info and confirmed these accounts dont belong to but they cant do the same. This is causing undo stress and it is preventing my family from qualifying for a home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I never lived at the XXXX PA address. This is not or never has been my address. Please remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-29 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have been disputing incorrect information on equifax credit report. I have submitted letters and proof that these XXXX accounts showing as potentially negative should be showing as satisfactory. I keep getting letters from equifax that I have to be specific with my concerns and providing account names and nature of dispute. Equifax is just disregarding my dispute as I have sent them numerous times letters I received from the creditors stating the accounts should be showing as satisfactory Paid and paying as agreed. Equifax is reporting incorrect information which is affecting my score and obtaining credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have tried to dispute several items in my report but Equifax tells me that the information that I give them is incorrect and I ca n't proceed with the dispute. I have previoulsy disputed XXXX other item which they accepted ( but have n't finished their investigation ), and used the same informaton that I used for the accepted dispute. Additionally, they dropped my credit score XXXX POINTS without giving me a reason. Nothing had changed on my report for the last three years. XXXX XXXX has the same information and their score is XXXX points higher!!! Could it be that Equifax is making me pay for the dispute I put in and they accepted????

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX can get away with identity theft to alter documents and sell that loan with the altered documents

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax is reporting inaccurate information on my credit report that is a violation of the Fair Credit Reporting Act. 

I disputed XXXX XXXX XXXX XXXX accounts on my credit report, XXXX and XXXX and the accounts were never marked as in dispute. This is a huge violation of the Fair Credit Report Act where I can be entitled to {$1000.00} for each violation. Please delete XXXX of these accounts from my credit report. 

Another big problem is that Equifax continues to report XXXX Chapter XXXX bankruptcies on my credit report which is a huge mistake. How can that be possible? Chapter XXXX Bankruptcy with docket number XXXX states it was dismissed so why is it reporting on my credit report? 

In regards to Chapter XXXX Bankruptcy docket number XXXX, they are listing the asset amount and exempt amount as {$0.00}. That is so incorrect. How can they get away with reporting this inaccurate information when I have disputed it multiple times with them? 

Now for the biggest violation of all. 

There are XXXX judgments on my credit report that do not belong to me and I have disputed them directly with the credit bureaus and the court house and no one has seemed to provide me with 100 % legal validation that they are mine and I owe the money. There are no original creditors accounts on my credit report for these judgments and they are causing grave injury to my credit report and score. The judgments are as follows : Court : XXXX XXXX Special Docket # : XXXX Plaintiff : XXXX XXXX XXXX Balance : {$1200.00} Court : XXXX XXXX Special Docket # : XXXX Plaintiff : XXXX XXXX, XXXX Balance : {$5700.00} Court : XXXX XXXX Special Docket # : XXXX Plaintiff : XXXX XXXX XXXX Balance : {$1500.00} Court : XXXX XXXX Special Docket # : XXXX Plaintiff : XXXX Balance : {$5600.00} All XXXX of these judgments need to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
Pressler & Pressler sue me for an account I do n't own. I went to my local court to retrieve information about this account only to find out they where sending information to the wrong address to get a judgment. When the judgment was awarded to them they mysteriously had my correct address and employment. As of today estimated {$2000.00} has been garnish from my wagers. The company name on the report does not exist as do the account number. Note garnishment was suppose to occur in XX/XX/XXXX but when I informed them I obtain legal counsel it was put on hold but my wages was garnish in XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
There is a negative mark against me that should have been taken off years ago!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint because Equifax has ignored my request to open investigation in regards to accounts listed on my credit report. Being that they have gone past the 30 day mark and confirmation shows they have received my dispute over 30+ days ago, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have XXXX inquiries for a single loan. XXXX from XXXX and XXXX for XXXX. I did not authorize multiple credit report to be issued for the purchase of my car.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax deleted a XXXX XXXX account then reposted it even after I disputed the account. I have attached proof it was deleted, page XXXX of XXXX. 
XXXX XXXX account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
We have been trying to do a short sale on our home for quite awhile now. Originally the short sale was countered by XXXX XXXX XXXX with no requests for contribution and the Investor previously did not asked for a promissory note. The loan servicing was transferred to Seterus and now the Servicer is asking for a promissory note for an additional XXXX which supersede the amount owed on the First Mortgage. The purchase price is XXXX, the balance owed on the First mortgage is XXXX plus late fees and attorney fees. The Servicer/lender has not paid the property 2014 taxes which they are obligated to do as per their servicing agreement and they also refused to pay the FULL back HOA dues. This request for a promissory note seems to be a common thing from Seterus on short sales. Please review their prior closed short sale files for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My credit score is suffering due to a deed-in-lieu of foreclosure created by XXXX Military Permanent Change of Station extreme hardship. I understand my credit may be affected for a period of 1-3 years, however on my credit report the delinquency is showing it will hurt me through 2022 ( over 7 years ). What help, assistance and/or protection is afforded to me under the FHFA, SCRA and HAP?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I had an account that had gone into collections for the amount of XXXX with XXXX XXXX through XXXX different collection agencies. XXXX that had opened XX/XX/XXXX through CBA with no closing date yet last reported on XXXX XXXX, 2015. 
I then had another through XXXX that was opened XX/XX/XXXX with no closing date that was last reported on XX/XX/XXXX. 
This account was directly paid through XXXX XXXX on XX/XX/XXXX in full. It shows on the credit report through XXXX and Equifax that the balance through both companies was paid to collection with a {$0.00} balance, yet they are still on my credit report affecting my credit score. Due to the fact that both have given specific dates that this was reported and paid in full I believe they should both come off of my credit report helping to restore my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
in the last 60 days i have requested from EQuifax credit reporting agency a physical verification of consumer documents in their in their files of a CH XXXX Dismissed Bankruptcy that has been placed on my credit report i have ask them for a physical verification of how the this information was obtain well it be from third party source, i have not receive this information as of yet, this dispute falls under the fair credit reporting act section ( 609 ) i have a right to this information since it is on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
We are processing a short sale and the value came back extremely high. We have requested copies of any BPO 's or Appraisals that were done but XXXX states the following : No, XXXX does not provide copies of any BPOs or other property valuations it may order in connection with a short sale. Any such valuations are proprietary documents/information that are used to help XXXX assess the price it is willing to accept for a short sale ; this information is not obtained or used in connection with an application for credit. 

We thought under the valuation rule that XXXX had to provide this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There is a judgment on my credit report that was dismissed. It should not be showing up. Attached is a copy of the documentation direct from the XXXX County Clerk of the Courts Office. 
I have written a few times but the credit bureau will not remove it. Please help, I am unable to get a mortgage approved because they will not fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I am a victim of identity theft. The following inquiries are unauthorized and fraudulent : XXXX XXXX Bank, XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: SD

Complaint narrative:
my equifax credit report is showing my XXXX XXXX XXXX entry as being reaged as its showing the date of last payment as XXXX and the date of first delinquency as XXXX. i am in the process of rebuilding my credit at this time and this type of information hampers my attempts to obtain any new loans. also i am requesting the the credit entries XXXX and XXXX be deleted as well as they will be falling off my credit report in the coming months

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I recently again submitted a inquiry dispute with equifax stating that most of the inquires i did n't authorize and I want them to reinvestagate due to several alerts from my XXXX that my information is being sold on a XXXX market website. Well on XX/XX/2016 I was sent back XXXX reinvestigation results stating that the inquires were of factual record of file access and if I believe it was unauthorized to contact the creditors which I have done once again I was told by a majority of the creditors in order to dispute the inquires I would have to redispute them with equifax and equifax would send information to the creditor to start a dispute. I recently contacted equifax XXXX Thursday, XX/XX/2016 and spoke with a representative ID # XXXX and she explained to me that equifax does not dispute inquires even tho equifax website says it does and allows consumers to dispute. EQUIFAX has been misleading with this information therefore I would like to have this consumer reporting company investigated due to false and misleading information and allowing incorrect information to be put on a consumers report without acknowledgement and authorization

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Under FCRA sec XXXX, I 'm requesting disclosure of the " original creditors documentation '', on file, that they must maintain to validate all data being reported or remove from my report if unverifiable. They refuse to provide the information or remove from my file. Instead, they continue to state the information is verified without providing verifiable proof. Items are ; XXXX ; account : XXXX XXXX XXXX ; XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Seterus, Inc.
State: CA

Complaint narrative:
I have been dealing with an identity theft problem for eight years. A loan and mortgage was acquired using by identity XX/XX/XXXX in XXXX XXXX. The owner of the loan is XXXX and the loan serviced by dept collector Seterus Inc . The loan is fraudulent and was acquired by the theft of my identity. I have provided XXXX and Seterus Inc, by registered mail, with all necessary documentation dealing with my identity theft and a stop and desist letter to stop all contact with me as provided by the FDCPA and FFDCPA. The harassing phone calls stopped, they stopped submitting information to the credit reporting agencies and removed my social security number from their records. Unfortunately they have continued to send correspondence dealing with this fraudulent loan to my address in XXXX XXXX in an attempt to pretend that I am the person who is responsible for this loan. XX/XX/XXXX, the property that this fraudulent loan secures, burned and was a total loss. The insurance company that held the hazard insurance paid out {$350000.00} and the payout placed in escrow by Seterus Inc. Seterus Inc has requested that I sign over the insurance payout proceeds so that they can be used to pay off part of the loan. I am not the person who bought this property and will not participate in a fraud by signing over the insurance proceeds that belong to the criminal that stole by identity. XX/XX/XXXX I received a XXXX and a XXXX IRS Forms that they sent to the IRS. The XXXX submitted indicates that I received interest income and the XXXX form indicates an amount paid in property taxes. I have never received any interest payment from Seterus Inc. or have I ever paid for any property taxes on this property. The filing of the XXXX and XXXX forms to the IRS using my name and address in XXXX is a cynical attempt intended to intimidate and harass. I will now have a problem with the IRS and have to spend time and effort to clarify the bogus XXXX, which will cost me money and may require me to pay Federal and State taxes on interest that is not mine and I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I have a derogatory remark on my credit report. I had a surgery that began in XXXX and carried over until XXXX. I paid my deductible, but then the company argued with me that I had to pay it again. I was told my the hospital administration check in that I would not have to pay XXXX deductibles, since it was related and on-going. I was given a summons and immediately paid the debt. How and when can I get this derogatory remark off of my credit report?

Company response to consumer: Closed with explanation