vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: WI

Complaint narrative:
We had been working with our servicer to explore our options to foreclosure. XXXX, our servicer requested all the documentation, which we submitted for a deed in lieu or a short sale. They sent us a letter stating that our packet would be reviewed, and would take 90 days. Please see attached letter. 
A few days later, XXXX assigned the servicing to Seterus. We called XXXX again. XXXX representative states they are working on the packet, it 's in the review process, another states they are within their rights to assign the servicing, and send the packet of information, which includes bank statements, taxes, paystubs, and all sorts of other information, to Seterus. XXXX did so without our express permission, or consent, we were never given the option to opt out or noticed that this would be done. That is our personal, private information being shared w/ unknown 3rd parties. 
A few days later, we go to check on the property to find a sticker from XXXX pasted to the door. It stated the property " appeared abandon or vacant '' and stated '' we owe an alleged debt ''. First, to let the entire neighborhood know that the property may or may not be vacant puts not only or personal property at risk, but also our personal safety. All on top of announcing we may owe an alleged debt. XXXX XXXX was hired by Seterus a debt collector, meaning they should know announcing to neighborhood we may owe a debt is against Federal Consumer Protection Laws, and trespassing. 
On Friday XXXX XXXX, 2017, we got a call from our Realtor, to tell us that the locks were being changed by a company named XXXX, again hired by Seterus. 
Seterus has not spoken with us on any of these matters, no foreclosure action has been initiated, no legal action of any kind has been started. Yet they are changing locks, winterizing my property and posting notices on our property. We are still the owners, and have personal property inside of the home. We pay the heating bill, the electric bill, and have contracted with a Realtor to sell the property. Seterus has no rights to change locks or trespass on my property as this is akin to breaking and entering. 
We want the locks changed back, and for Seterus a debt collector to pay strict adherence to the FDCPA. An assignment of " servicing '' does not give them any legal or lawful right to put us or our property in jeopardy, nor any right to change locks, or have some unknown company enter our property without our consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I had a credit score with Equifax of XXXX on XXXX/XXXX/2016. On XXXX/XXXX/2016 I have a credit score of XXXX. The only thing that has changed is my address. These people at Equifax took XXXX points away from my credit due to I changed my address. Hey I would like to file a lawsuit and actually received some proper resolutions from the consumer credit agency. This is crazy. I want justice and I want it today. These people can not take XXXX points off of my credit due to I changed my address. What XXXX is really going on here. Please ask this Equifax credit agency why are they taking XXXX points away from someone XXXX credit score because they change address. All of my bills have been paid on time, nothing late and nothing has changed except my address. They need to give you, me, somebody a explanation of why they took XXXX points off of my credit and all I did was change my address. Is someone trying to buy something I do n't know about. They need to reveal why they took the XXXX points, or else put them back today. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I disputed the balance because it should have been reported lower than they were reporting on equifax and they removed the entire account dropping my credit score

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 — Public record
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I filed a complaint with the reporting agencies stating that the stated Delinquent account reflecting as an FHA Mortgage Loan-XXXX XXXX XXXX is inaccurate. According to FCRA and Public Record Law the subscriber has to show proof on demand of the inaccurate information. The agencies have refused to provide the verification. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 7 years. The credit agencies have stated I can no longer challenge this negative entry which is against FCRA law. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: PA

Complaint narrative:
Our mortgage was through XXXX XXXX XXXX, we were having trouble making our payments, we got behind 2 months payments. XXXX sent us packets requesting all financial information so they could help us out. They seemed very interested in helping us out and we had been in contact by phone multiple times. We became 3 months behind because of all the back and forth mailings and phone calls. At this point, we received notice from XXXX that they had sold our mortgage to another company named SETERUS. All future calls to XXXX have not been returned. We have only had XXXX phone call with someone from SETERUS. First of all, they requested my wife 's entire social security number, which she gave them. Then, they said we must make at least XXXX payment to them to keep in good faith and they want our bank account number so they can automatically withdrawal. We have never received anything from this company stating they own our mortgage, besides a phone call. No paperwork in the mail, no account number, nothing! So, we are to give our social security number and bank account number to someone we do n't know? If you check out this SETERUS company online, you will see they have nothing but bad reviews. We want to keep our house and are trying to do all we can to do so. We have been in touch with our United States Representative XXXX district office and XXXX XXXX from XXXX, our local news station. Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
Pressler & Pressler representing XXXX XXXX swept all my funds from my bank account, then threatened me that if I fail to sign the agreement of debt repayment or upon signing I would fail making repayments, a lien will be placed on my payroll and my salary will be garnished. 

This is so shocking to me because I knew that only government and its agencies can put a lien on your account for nonpayment of child support, alimony, school loans ; and IRS for owing taxes but financial institutions such as credit cards who 's funds are insured by the FDIC - that 's completely new to me! 

I had no idea that I was being sued by Pressler & Pressler representing XXXX XXXX since due to an illegal eviction I am no longer at XXXX XXXX XXXX for over a month and I do n't have a new mailbox address as of yet. 

So, I called Pressler & Pressler and after my conversation with Pressler 's representative and making payment arrangements, they still refused to release my frozen funds back to me. I had {$1800.00} in the account, which represented my Federal and State Income Tax Refunds that I just received as EFT to my account that week! 

After crying on the phone pleading with them to release my funds and informing him that since they took all my money from my account at XXXX XXXX XXXX I have only {$2.00} in my pocket thereby left without any funds to purchase groceries for the next XXXX weeks, the representative made a promise to release {$300.00}. THE MONEY WAS NEVER RELEASED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Please update my credit report to reflect the following and delete the old information as requested

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I disputed bankruptcies that are reporting on my credit report. They came back verified but I do n't understand how they are verified when no proof has been given although requested also my XXXX credit file has a freeze on it. I have had a freeze on my account for a few months now so I 'm unsure of this information that is listed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: CORELOGIC INC
State: HI

Complaint narrative:
In XXXX 2016 CREDCO for XXXX called to offer me a lower interest. I asked them if an inquiry would be reported to the XXXX-they told me no-it would not be however I refused the assist due to my XXXX credit score and me currently trying to get myself out of debt. Most of the inquiries are from this company s they call every 2 or 3 months. I now see this Inquiry on my report and want it removed as I DID NOT give them permission. Can you please help me. 

XXXX XXXX XXXX Phone XXXX XXXXXXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I do not believe the number and catagories are correct XXXX - Serious delinquency, and derogatory public record or collection filed, all my bills are paid on a automatic payment plan XXXX - Number of accounts with delinquency, I do n't have XXXX accounts XXXX - Lack of recent revolving account information XXXX - Too many consumers finance company accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: MD

Complaint narrative:
In 2015 we completed a value dispute with an appraisal that at that time came in at {$330000.00} with the property in its condition at that time. In XXXX of 2015 we were approved for a price of {$340000.00} and were prepared to go to closing when the title company discovered an erroneously recorded DOT by XXXX that had been cancelled during the 3 day cancellation period, but recorded by someone in that organization before they went out of business. For months we tried to obtain a release for that DOT to no avail as none of the lenders who took over XXXX loans could find this loan as it never existed. The XXXX went through the time and expense of filing a quiet title action to remove the erroneously recorded Deed of Trust so that they could get back to where they were and complete the short sale that had been approved. Ditech themselves had a title issue and could not pursue foreclosure with the XXXX DOT on title as that loan was in first position and would have needed to be released for Ditech to sell the property to a third party owner either at auction or as an REO property. 

The XXXX spent over {$6000.00} clearing Title so that they could sell this property as a short sale all to avoid a foreclosure. The bank coming back with unrealistic values that are not supported by current sales for similar properties and not giving us the information that they relied on to reach their value does not allow for a full evaluation under loss mitigation requirements. We have documented that the appraised value is {$340000.00}. We have an able and willing buyer who can close in 30 days with an approval and we have cleared title to be able to complete this transaction. There needs to be some fiduciary duty on the servicer or investor for this loan to avoid additional losses and expenses that will be incurred by a foreclosure. Statistics show that in Maryland XXXX properties sell for 37 % less than non-distressed properties. Our current offer is more than 90 % of what the bank thinks this property is worth and is 100 % of what an independent appraiser determined this property is worth. 

This property has been marketed several times over the last year and the current offer represents what the market is willing to pay for this house based on all the information that is available about homes within a XXXX mile radius in the same XXXX, in the same school district, same tax structure, etc. You can not go outside of this community to take comps for homes that are districted for other schools or have less congested roadways nearby, etc. 

We have submitted another appeal and we will continue to push this with Ditech

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I previously disputed items with XXXX, and all of them were deleted without issue. I signed up for a credit monitoring service called " XXXX XXXX '', and discovered items I have never seen before on my Equifax credit report. I attempted to submit an online dispute through Equifax on XXXX/XXXX/2016 for all the items I found. Equifax would not allow me to pull my online credit report and dispute the items, despite having received my reports that way before. I had to call and speak to a live person. I talked to XXXX ( XXXX, XXXX ), and went through every single item I wished to dispute. I spent 45 minutes on the phone disputing each item individually. There were a total of XXXX items ( XXXX medical, XXXX utility ). When I received the final report, they did not delete any of the items, and said they were all mine. The utility bill on my credit report did not belong to me, and XXXX deleted it when I disputed it with them. Yet, Equifax says it was mine, and refused to delete it. It was a XXXX utility bill, for which I had never signed up for services. I was not living in the state where services were contracted at the time, and the item could not have belonged to me. 

As for the medical bills, I began receiving automated calls from XXXX XXXX As I had no idea of the existence of the bills at the time, I assumed it was someone trying to scam me and did n't initially respond. After I contacted XXXX XXXX regarding the disputed items, I was told that they are medical bills from XX/XX/XXXX-XX/XX/XXXX. I never received bills for any of the items. I contacted the original creditor, XXXX XXXX, who confirmed that the bills were likely sent to my physical address. Where I live, mail sent to a physical address will be returned. I never received the bills, and now it is causing major damage to my financial health. XXXX XXXX is now haranguing me for full payment. However, these bills should not be in collections, as I never received them. I should not suffer, because someone at XXXX XXXX 's was not competent enough to mail the bills to my given mailing address. 

I called to dispute the items on XXXX/XXXX/2016. The report states the investigation was completed XXXX/XXXX/2016 and I did not receive the report until XXXX/XXXX/2016. I do not feel my credit disputes were thoroughly investigated, and Equifax clearly was not listening to me when I tried explaining the confusion that my mailing address was causing. I was very clear with the agent when I explained that either they were n't mine, and if they were mine, it was the first time I was learning of their existence, as I did not get the bills. It 's my belief that through the language barrier with the agent, she did not clearly understand my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Trying to get a judgement removed, from Equifax, ... I faxed a true copy from the Clerk of Superior Court stating " This judgement is satisfied in full as to principal, interest, and cost and the same is hereby cancelled of record on XX/XX/2012. '' Transunion has already removed it ... Equifax states it has to be on there for 7 years Being the widow of a XXXX veteran, my credit is all I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have been trying to get my equifax credit report for some time now. everytime I try to get it I get told to call in to verfiy my identity. This happened tonight and I called into verify my identity and the woman on the phone was extremely rude and HUNG UP ON ME and would not give me my report or scores. I URGE equifax to listen to this taped call as she was rude as can be and did not transfer me as requested. She would not help me and claimed she could n't get my report nor find someone to help me. Now a few years ago EQUIFAX MIXED UP MY IDENTITY AND CREDIT REPORT with a woman in XXXX. I am in XXXX. I had to escalate to their executive team to get help and I fear this needs to occur again as I think they mixed up my identity again. Before I file a police report and law suit I need equifax to give me the report on file for me. I called, email, and try the website and no one will help me. Please FIX THIS.

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 — Personal information
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I originally submitted a complaint against Equifax Credit Reporting Agency as I could not get my annual credit report for the past 4 yrs. After filing the complaint with you, Equifax mailed me my credit report at my address on XXXX XXXX XXXX in XXXX, NV. on XXXX XXXX, 2016. My first name was spelled wrong, it 's XXXX not XXXX and, more important, my birth date was wrong, it is XX/XX/XXXX NOT XX/XX/XXXX. I called and told them this and they gave me a fax no : XXXX and told me to give the following information on the cover sheet : name, social security, email address and phone no. I then faxed over a copy of my birth certificate and a copy of my social security no. XX/XX/XXXX, with a request to mail me a corrected credit report ( for free ) to insure the corrections were made. I have the receipts. Then I received a letter today, dated XX/XX/XXXX that stated the information I gave them did not match the information they currently have on file. Well, that 's pretty obvious.THIS IS BECAUSE THEY ( not me ) HAVE THE WRONG INFORMATION. The letter states I MUST submit the following : birth certificate ( I did ), XXXX ( I am retired ), pay stubs ( I receive soc. sec., I 'm retired ) and copy of my social sec. card ( I did ) It also states I must submit a copy of my driver 's license, rental agreement, utility bills etc. to verify my address. My address IS ON MY CREDIT REPORT AND I HAVE RECEIVED ALL OF THEIR MAIL AT THIS ADDRESS at XXXX XXXX XXXX, XXXX, Nv XXXX. Why do I need to verify this??????? I called their customer service no. today and was shocked. They told me that they did n't know what fax no. the XXXX belonged to and gave me a new fax no. of XXXX/Dispute Depart. and in the letter it says I have to pay for the credit report. I have no idea where all my private information has gone. They should not be allowed to function as a credit reporting agency. I would like you to fine them so much money that they might become a better company and certainly more organized. They are handling people 's lives. Your credit affects everything. If they are so concerned about protecting your credit then they should get this under control ... who knows who has all my personal information? Please make them correct my credit report and issue me a free one reflecting those corrections. The information with the other XXXX credit reporting agencies are correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax XXXX XXXX. XXXX XXXX XXXX, GA XXXX To whom it may concern : In accordance with Federal Civil Rights Law, demonstrate that the following material appears correctly on my credit reports. Request ample documentation, ( including but not limited to : date account opened, date closed, full accounting of account, address where bills were mailed to ) from this alleged creditor. If these items appear in error, I have a cause for action because my rights may have been abrogated and violated in that case. Please confirm that this item has an address in my current credit report OR DELETE THIS ITEM FROM MY CREDIT REPORT. 

Tax Lien Status : Released Date Filed/Reported : XXXX/XXXX/2011 Reference # : XXXX Released Date : XXXX/XXXX/2011 Court : City & County Government Amount Owed : XXXX Your quick response and prompt handling of this matter is expected. 

Sincerely, XXXX XXXX XXXX ***********

Company response to consumer: Closed with explanation