vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-14 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: OK

Complaint narrative:
I purchased my home on XX/XX/XXXX and refinanced the original mortgage with XXXX XX/XX/XXXX. My loan was then sold to XXXX ( XXXX ) in XX/XX/XXXX. In mid XX/XX/XXXX, I was solicited by XXXX., for a mortgage modification. They claimed that for a fee of {$3500.00} they would be able to modify my mortgage. I employed them based on their promises and agreements and due to the fact that they were law firm. I was instructed at this time that in order to be eligible for a modification, I would need to stop making my mortgage payments. While this seemed illogical, I obeyed. This is where my 6 year journey for a loan modification began. After several different modification companies, attorneys, mulitple foreclosure attempts and 2 rescinded bankruptcies to stave off the foreclosures & sheriff sales, I was granted the loan modification by XXXX. Early in the process, I suffered multiple hardships which further justified the need for the modification but went ignored. It took 5 years before I was finally allowed to speak with my modification " manager '' at XXXX The modification added nearly {$150000.00} to the existing debt of {$220000.00}, with a new note of XXXX. My payment were nearly identical to my original payments, with a term of 40 years. After the trial period, my mortgage payment increased nearly {$500.00}. During this process, I felt misled and lied to by XXXX, various attorneys and XXXX. I feel I was deceived. My life for the last 6 years was consumed by this constant battle of financial XXXX warfare to save my home. Had I known then that the only outcomes were ruined credit, financial distress, near XXXX, relentless harassment and a massive increase to my debt, I would have never stepped foot down this path. I am now dealing with a new servicing company, Seterus, who is handling my mortgage post modification. I feel like I am right back in the middle of the modification with amount of harassing phone calls I receive from this company. For multiple months, I receive calls stating the payment information I provided is invalid. I provided them with the same information, which is kept on record, in their system. This is a recurring problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17 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:
I tried to dispute with Equifax an item is in my redit report, and there is a process of a Validation of this debt with XXXX XXXX, I also kept Equifax aware that I 'M in the process of a validation of this debt, therefore Equifax con not continue reporting this item if a validation of this debt is not provided to me, from XXXX XXXX .from this collector of this especific debr, but seems Equifax don not respect my FDCPA rigths, equifax still reporting this item is not validated see attached documents and FDCPA section XXXX validation of debts { XXXX XXXX XXXX }

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

Complaint narrative:
My XXXX XXXX Credit Card was paid off XXXX 2014 in full and the history always paid as agreed and never late. Equifax is showing negative remarks on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: NC

Complaint narrative:
I changed insurance companies and sent in the reimbursed amounts from the previous company to Seterus so that the escrows would not be extremely short. Needless to say that amount sat in suspense for three months or more until after I had called XXXX 5 times to get it straightened out. then seterus took the whole amount of the billable insurance on my policy and added it to XXXX of my loans. Any XXXX in their right mind would know that XXXX house does n't have insurance in the amount of {$4300.00}. The mortgage on that property went up XXXX $ and we had to pay it from reporting late on our credit. that took 3 months to fix. now I have paid a principle payment on my mortgage followed the directions on how to do it and still another blunder. they just took my mortgage payment out of it. If I had not checked my checking account and asked why my mortgage had not been drafted I would n't have know ... the only attention to detail they have is what is my phone number and have I moved. I totally hate this servicer. they are awful ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear Sir or Madam : I recently pulled my credit and the following accounts are not mines. Someone is using them without my permission. Please remove the accounts promptly within 7 days and please stop the ability for them to continue to use my credit by putting a freeze on my credit report. Letters have been sent to the reporting agencies and the cfpb. I have attached the Identity Affidavit.

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

Complaint narrative:
As a part of an agreed contractual agreement, the account was paid and specifically negotiated with the company, that the negative item would be permanently deleted and permanently removed from all reports ( XXXX, Equifax, XXXX. ) As of this date, although the status has been updated, the item remains, which was NOT the agreement and is still negatively impacting my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
I have been trying to apply for a modification for over XXXX months. I ran in to some hard times with my job, but things were improving and I wanted to try to modify my mortgage and keep my home. My attorney 's office was helping me with this process and called on a weekly basis to make sure all documents needed were received and to follow the progress of the process. At XXXX point they were told I was all but approved, Seterus was just waiting for the figures of what my trial payments were going to be to come back from XXXX. It turns out the person at Seterus who was handling my file was no longer with the company so my file sat on her desk for a month or more after XXXX approval, so in their system it appeared that I never " accepted '' the modification offer so Seterus had to " resubmit '' my modification file. All of this took over XXXX months, and in the meantime my house was set to go up for foreclosure auction. This was a scary time for me, and I did n't know if I should call movers to get my belongings or wait for Seterus to work my file. The sale date ended up being put off at the last minute, literally the day before my house was supposed to sell. My file has since been resubmitted for modification review and approval. My attorney 's office is trying to get the figures that Seterus is using to see if I would be approved or denied and Seterus ca n't ( or wo n't ) provide that information. I will send in a copy of a letter they submitted to Seterus that will give you more details on how Seterus has failed at properly servicing me as a client. They have taken a process that they said should take XXXX days, and made it take more than XXXX months - and it still is n't resolved. I want to be able to keep my home, and am willing to discuss modification or repayment plans, but any time we call we only get people who are customer service rep types, and not anyone who can actually discuss anything further than reading notes from their system. I would like for myself or my attorney to actually be able to speak with someone who can assist with my account, and helping me get a modification so I can begin repaying my mortgage payments and keep my home. Please help me if you can.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
After months of disputing the XXXX XXXX XXXX Tradeline on my Equifax report - and getting this final response from them, stating there is nothing wrong with the account, its been verified, and is reporting correctly - it stays on my credit report. Copied response is below. 

" Response disputedEquifax said : Explanation of closureEquifax has reviewed the complaint and its records. Please be advised that XXXX XXXX XXXX account number ending in XXXX was disputed on XXXX XXXX, XXXX XXXX, and XXXX XXXX, 2015. XXXX XXXX XXXX has advised that your status is reporting correctly on the Equifax Credit File. Please be advised that charged off accounts that are reporting a XXXX balance are considered to be closed accounts. For any additional information regarding this account, please contact XXXX XXXX XXXX directly at ( XXXX ) XXXX. Our records conclude that a copy of your Equifax Credit File was sent on XXXX XXXX, 2015. If you should have any additional questions or concerns in regards to your Equifax Credit Report, please contact us directly at ( XXXX ) XXXX. " The problem is - on XXXX XXXX, 2015 - this tradeline was deleted. It has disappeared from ALL records at Equifax ( I just called them ) and the only remnants are the XXXX disputes I filed in XXXX and XXXX of this year. 

By Law - I am entitled to a written explanation for all disputes, and this deletion has never been accounted for. 

Equifax - please explain and provide any supporting details for the following. 

1. Why was this account deleted? Please provide the method and the owner of such the decision as well. 
2. Why was notification of a deletion of this disputed account - not provided in writing? 
3. Where is the NEW credit report that reflects the change to this disputed account? 
4. All responses are requested through US mail. 
5. This account has not aged out, as per FCRA/XXXX reporting specs.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I would like the Credit Bureaus to report my information accurately and up to date. I have contacted them multiple times via phone, letters and complaints and have yet to reach a resolution. I have provided proof from my creditors that these accounts are reporting however my credit file does not reflect any of those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I requested a copy of my free credit report from the XXXX agencies, I have received reports from XXXX and XXXX but nothing from Equifax. This is not the first time that I have requested my report from Equifax and did not receive it. I am being ignored by this agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-20 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: EQUIFAX, INC.
State: AK

Complaint narrative:
I paid off my Alaska XXXX with the State of Alaska and it shows that I still owe XXXX plus on my Equifax credit report. The State of Alaska did not remove and show it paid on time in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I got my credit report because I was thinking of purchasing a home for my mom, and when I got it I notice inaccurate accounts, I immediately filed a dispute with the XXXX major bureaus, XXXX Equifax and XXXX. I listed the accounts I had a problem with. 
1.XXXX- I explained that the account number they had on file was not my account number and my account was paid off through an insurance claim where the vehicle was totaled, I gave them my account number and the claim number of the settlement, the only agency that removed it was XXXX, the other XXXX have refused and has allowed the data furnisher to update it so it remains on my report till XX/XX/XXXX, this is an account that is almost 10 years old. 2.A collection agency by the name of XXXX/XXXX same people I was in a XXXX in XX/XX/XXXX, I sued the trucking company who hit us, I gave the hospitals name and their bill to my lawyer two weeks after accident, mailed in the bill with the insurance from the trucking company they still turned it over to a collection agency who then placed it on my credit all ( XXXX ) on XX/XX/XXXX XXXX months after the accident I kept sending in the paperwork from my attorney and contacting them that an agreement was reached with the hospital and my attorney to pay upon settlement, no one listen it 's still there and when it was paid by my attorney in XX/XX/XXXX they updated it as paid but it was never suppose to be a collection, when an agreement was met between the parties to pay when the case was finalized. There are several other items that are being reported wrong on my credit report but I 'm tired and beat up from a constant battle for the last few months, against data furnishers that do n't report accurate information and the credit bureaus act like we consumers are always wrong and never look further into the issues, but allow this to go on. It seems as though consumers get the short end of the stick because we don'y pay for the service like the the creditors do.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are several accounts reported on my credit from XXXX that are not my accounts. I was a victim of Identity theft in 2013. XXXX will not remove the items from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
On XX/XX/2017 I faxed a dispute letter to Equifax regarding reinserting previously disputed and deleted addresses without notifying me of doing so in writing within 5 business days of reinserting them and they ignored my dispute letter. I have again faxed them a dispute today XX/XX/2017 but to ensure that they properly acknowledge my dispute I want to file this complaint as well. I received a copy of my credit report dated XX/XX/2017 with XXXX previously disputed and deleted addresses reinserted on my credit report. I am requesting that they REMOVE ANY AND ALL INFORMATION THAT HAS BEEN PREVIOUSLY DISPUTED AND DELETED ESPECIALLY SINCE THEY HAVE NOT NOTIFIED ME OF REINSERTING THE INFORMATION IN WRITING WITHIN 5 BUSINESS DAYS THEY ARE CLEARLY IN VIOLATION OF THE FAIR CREDIT REPORTING ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Received marketing offer after opted out
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This Bureau chooses to report incorrect information as well as fails to send reports in a timely manner. This Bureau will even report information differently to you than it does with the creditor you applied with. Sadly you file a Dispute and it does nothing more than update inaccurate information with Court documents. Rather than remove it, Equifax takes the stance with the inaccurate reporter. Example XXXX XXXX XXXX XXXX of XXXX. This name dispute causes this bureau to not remove even with the Court documents. Please help me we are homeless and want to buy a home we are held hostage by this bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a bill on collections that was paid on time on my credit report saying un paid. Balance is XXXX for the XXXX. 
Talked to a guy their and he does not know why it is showing. 

Also did not give outlet rental car permission to obtain my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
IN RESPONSE TO EQUIFAX THEY STATED TO CONTACT THE ORIGINAL CREDITOR FOR THIS INFO THE LAW STATES THAT THE REPORTING AGENCY HAS TO HAVE THIS INFO ON FILE WHEN A CONSUMER ASKED FOR IT IN THIS CASE EQUIFAX IS IN VIOLATION OF THE FCRA. I HAVE ATTACHED A COPY OF THE FEDERAL LAW 609 ACT IN THIS DISPUTE FOR EQUIFAX TO PLEASE READ AND PROVIDE BY THE FEDERAL LAW

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX had placed an inadequate collection account on my credit reports in the amount of {$55.00} from XXXX XXXX, Account # XXXX, XXXX, Equifax and now XXXX. I called XXXX and told them this was incorrect and I talked with a supervisor on XXXX/XXXX/XXXX and she immediately removed this account : I call Equifax and told them that this was not correct and it should be removed that XXXX had removed this and they stated that they could not remove, only XXXX Collections could. I could dispute it so, I had XXXX Law dispute and two day later it was verified by XXXX that it was mine and they would not remove it, I asked how was it verified and he ( Eqyuifax ) would not tell me. I stated that this was old XXXX XXXX and it had been on my report before and had been removed years ago and they still refused to take this off, ( it would be due to come off in XXXX XXXX ). Now they have put it on my XXXX report, I called XXXX on XXXX/XXXX/XXXX and they refuse to take this off also. XXXX received this bill in XXXX and placed on my credit reports back then I had it removed. On XXXX/XXXX/XXXX I paid XXXX XXXX ( receipt attached ). They stated everything was paid but XXXX so if I had a bill for the XXXX XXXX it should have been paid from of that money. I have asked XXXX Collections to provide me with a list of what I have paid and so far I have not received anything. Why can XXXX XXXX see that it is not correct and remove it and the others can not. My credit is being ruined by these XXXX companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: NY

Complaint narrative:
XXXX in error submitted a negative notice concerning my final mortgage payment and while promised to reverse this negative report 75 days has passed and my credit report remains adversely affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In XXXX 2013 The United States Bankruptcy Court - XXXX District of Florida had sent docs for a Chapter XXXX Discharge of Joint debtors for both : my self and my husband to all creditors involved.I have attempted to contact the companies many times to have our credit information to be updated. OUR Equifax reports has STILL not been corrected! I have also filed COUNTLESS disputes WITH EQUIFAX only to have them DENIED by YOUR company and my credit score impacted further- this is in VIOLATION of the bankruptcy of the Bankruptcy court discharge! This needs to be corrected ASAP! - I want this backdated to XXXX of 2013 for the correction as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I disputed with all three credit rating agencies and XXXX XXXX, a charge-off/write-off posted by XXXX XXXX on my credit report. I provided proof of payment that brought my account current. I provide evidence of an agreement to pay and online payment receipts directly to XXXX. I also included direct withdrawal receipts from XXXX 's rep XXXX. I was told by XXXX 's agent that as long as I kept my account current and paid the amounts agreed upon, XXXX would not take any further action. It was understood that I was not to use my card until the bill was paid in full at which time I could use the card again. During this time I was able to make payments directly to XXXX Website as well as have automatic withdrawals. I have documentation on XXXX paper showing payment of the amount to bring my account current and invoices showing bills amount owed and amount paid to XXXX XXXX. My account should not be in charge-off or write-off status. My account is still accessible and being paid for on XXXX. In addition I am paying as posted on XXXX 's website. I Had been making the agreed upon payments for over 6 months when they declared the account a charge-off.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
As of today, XXXX XXXX, XX/XX/2015 I have XXXX inquires that I " DID NOT '' initiate. The inquiries are on all XXXX credit bureaus reports. I have not applied for any credit since XX/XX/XXXX My credit reports should be free of inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax. Have initiated XXXX disputes to try to correct my name and birthdate. 
They ca n't seem to get it right. Sent over photos of my drivers license and social security car. 
I do n't know what else to do, XXXX disputes, XXXX phone calls - what other options can I do to have them correct this information?

Company response to consumer: Closed with explanation