vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: IL

Complaint narrative:
The loan modification process took entirely too long. The process should have been resolved after 3-4 months upon completion of " trial payments ''. In fact, through no fault of mine, the process took 8 months, from XX/XX/XXXX through XX/XX/XXXX. During this time, late charges continued to accrue and late payments continued to be reported to the credit agencies. The extended length of time caused further debt and a reduction in my credit score. At no time did I request for the process to be stopped, which is what happened half way through the processing of the modification at the discretion of the mortgage servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/2017 I received a letter from equifax stating that an initial fraud alert was placed on my report per my request. I have never contacted equifax and requested a fraud alert put on my account. They also said that they are forwarding my fraud request over to XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I reviewed my Equifax Credit Report and viewed that they keep reflecting a XXXX that is more than 7 years old. The loan is from XXXX XXXX, 2008. Furthermore, it is reflecting late payments that when I contacted XXXX XXXX XXXX XXXX they confirmed I had no missed payment 's and that my account was always in good standing prior to the loan being paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
Equifax reinserted a previously deleted collection for XXXX XXXX that was unable to verified per dispute " investigation '' results I received XXXX/XXXX/2016. I was just notified of the reinsertion via a credit monitoring alert on XXXX/XXXX/2016. However, Equifax reports the reinsertion date as XXXX/XXXX/2016. Either way, i received no notification from Equifax informing me that a previously unverified, dormant, and deleted debt has now been verified and re-entered into my credit file. Because the reinsertion has caused an exponential drop in my credit score I too would like information proving the debt is in fact valid and verified. Under FCRA sec 623 I am requesting disclosure of the " original creditors documentation '', on file that was used to validate the the data now being reported or removal of data from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have been disputing a XXXX account that was opened up in my name fraudentaly. I kept getting the run around and being told that the account was verified as mine. I was completely fustrated as this fraudulant information on my credit reports was negatively affecting my credit score. I finally spoke with adrianna in the fraud investigation department for XXXX. XXXX ... .I was also given another number to call in the recovery dept XXXX ... .I explained to the rep that I just called that number and was transferred back again. I explained that this has been ongoing and I did not open this account and I am requesting to speak to someone in the fraud dept. I was transferred to adrianna and after a 1/2 hour she confirmed this account will be removed from the credit reporting agency 's. I followed up with this information myself to the XXXX credit reporting agency 's. Equifax at first would not let me re-dispute this information. I was told I can add a statement to the dispute so I was transferred again to someone else and added the statement. I am in hopes that finally this fraudulant information will be removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
On XX/XX/XXXX I filed a dispute # XXXX with Equifax concerning account # XXXX XXXX. This was an account that was included in bankruptcy ChapterXXXX XX/XX/XXXX. Equifax investigated and corrected wrong information that was being reported of missed and late payments during the bankruptcy Chapter XXXX. XX/XX/XXXX filed another dispute with same problem with XXXX dispute # XXXX and again XXXX dispute # XXXX and now again there is information on this same account that has dropped my credit score from XXXX to XXXX. It is now XXXX points down. I am not having this problem with any other agency. Only Equifax. I have submitted another dispute but my dispute will only work monthly as this information keeps finding its way back to this report. There is nothing NEW on my credit report that would cause a XXXX point drop in my credit score other than this issue. I am on top of this since our bankruptcy and have been working hard to repair our credit. Chapter XXXX was filed in order to pay our creditors back. I am not understanding why this agency on monthly basis has incorrect information that I have to continue to dispute in order to have an accurate credit score. My new dispute is XX/XX/XXXX # XXXX. If this information turns out to be accurate based on all the wrong information they have been receiving or reporting I feel the XXXX point drop needs to be re-evaluated. There are no other changes that would have caused this Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XXXX XXXX, 2016 Equifax deleted XXXX off my report and it was recently added back on without notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is an addendum of complaint # XXXX regarding Equifax. I am entitled to a free credit report and after FINALLY finding the location to request a copy of my report and being told to call or write to access my report I called their phone # where I was told to send a copy of my XXXX, Social Security card, a pay stub, drivers license, utility bill, my name, address, social security # and date of birth. Yet, if I want to purchase a copy I can gain 24/7 access in 5 minutes. This is NOT RIGHT! I, as a consumer, should not have to bare a more burdensome means to obtain a report that I am legally entitled to receive, than for that which consumers can pay for and access in 5 minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: GENERAL BUSINESS RECOVERIES, INC.
State: AZ

Complaint narrative:
I received XXXX notice saying a medical bill that I thought was sent to me in error was being sent to a collection company by the name of XXXX. Since then I set up a payment plan through my bank for monthly payments of {$50.00} ( total bill amount was approx. {$560.00} ) which began in XXXX of 2016. After XXXX rude and accusatory phone calls with the assigned rep ( XXXX ) I faxed over proof that I have been sending monthly payments totaling {$250.00}. After a conversation today via phone communication XXXX told me that she would n't let me make monthly payments unless SHE was the XXXX debiting my account number rather than me sending the payment via my XXXX Online Bill Pay. I explained that I did not feel comfortable with them having my personal account information nor did I intend to pay a processing charge. I was then informed that then they just would n't take monthly payments and that if I wanted to make a payment I should " just save up my money and call in the payment in full ''. I then asked for that to me sent to me in writing so that I could keep that for my records. I was then transferred to XXXX 's supervisor, XXXX who then became verbally combative. She said that it was up to her if they accepted payments and that she did n't need to give anything to me in writing. I feel like this is in violation of my rights as a consumer to be given a clear and legible document explaining the companies rules regarding payments. 

I am in no ways disputing the charge and have been doing everything in my power to pay the debt that I owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 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 filed a dispute of an outstanding bill that was not correct, all they did was verify that the bill was sent to me without further investigation as to is correctness.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Equitable Acceptance Corp
State: NV

Complaint narrative:
Equitable Acceptance Corporation is charging me a fee for a service that is free through my student loan advisors. They sent in an application to my student loan company on my behalf ( which I was unaware of ) and also called there to confirm the application was accepted. They are charging me {$1300.00} for this service which is unacceptable. They gave me 3 days to cancel the contract, which I did n't realize was fraudulent until I received an email from my student loan company. Yes I signed the contract, unaware of the fact that I could get this service for free. They have informed me they will send me to collections if I cancel the contract. This just is n't right. I am already having issues paying my loans back and now they want to charge on top of that. I feel they are taking advantage of people like me, that can get these services for free.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have filed several disputes with the all XXXX of the CRA 's and have also disputed directly with XXXX XXXX Bank in SD in regards to XXXX credit lines with them. This account has been re-aged and XXXX XXXX reports that the information remains correct and verified. I do not appreciate this practice and view it as unethical and perhaps this is not the first time this has occurred with this company. All XXXX credit bureaus report a different age of these accounts.

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

Complaint narrative:
They have me in chapter XXXX for 2015 and I haven, t filed for any chapter XXXX also they have it under a different name and not mine and I need it removed please ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Acct # XXXX XXXX balance was paid. Inaccurate balance being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent a dispute letter to Equifax/XXXX XXXX stating the account, they stated my letter did not specify if I was claiming the account as not mine or questioning validity of the account balance. Not true. I have expressed directly with the creditor that I had no knowledge of account from 2007 and requesting validation of the account, not the balance. I offered to pay in full to remove trade line, as the derogatory is harming my XXXX XXXX, even though I am not claiming ownership in exchange to remove from credit reports. The account does not belong to me please remove account from credit reports A fraud report has been submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I have an account through my former school, XXXX University, for a XXXX loan on my credit report. It was originally opened in XXXX XXXX, and the date of first delinquency was XX/XX/XXXX ( XXXX loans have a nine month grace period, nine months after XXXX XXXX, which was when the semester ended, is XXXX XXXX ). The loan was originally being serviced by XXXX, but the school recalled all accounts from XXXX and then began using XXXX for servicing. The original XXXX account has long been removed from my XXXX and XXXX reports, but is still present and reporting incorrect information on my Equifax report. In addition to this, the XXXX account is appearing on my Equifax report as well. So, I 'm being dinged twice by the same loan, and XXXX trade line with completely incorrect information. After being recalled and having XXXX changed to the servicer, the loan was included in my student loan consolidation in XX/XX/XXXX and is showing paid with a XXXX balance, and this appears on my Equifax report. In addition to that, under the XXXX account the same loan is showing up with a {$4000.00} balance, {$940.00} past due, a XX/XX/XXXX date of first delinquency, and is showing as a collection account. This is completely incorrect. XXXX no longer has collection authority over this account, and the account should be removed from my Equifax report. My Equifax score is around XXXX points lower than my other XXXX due to this account. I disputed the account with Equifax and it came back as verified, and I have found Equifax generally much less helpful than both XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
In XXXX, I had XXXX payments returned from XXXX due to circumstances beyond my control. To rectify the issue, I made a {$200.00} ( the payment amount i owed was only {$25.00} ) payment, bringing my balance well below my {$500.00} credit limit. In return, because I had XXXX consecutive payments returned, XXXX suspended my account and blocked me from using my card until I have made XXXX consecutive payments & brought my account back in good standing. At that time, my credit limit was still {$500.00}. On XXXX XXXX, XXXX sent me an email via their website that they had dropped my credit limit to zero and I was still suspended for 90 days and still needed to make XXXX consecutive payments on time. On XXXX XXXX, XXXX, I received notification that my XXXX credit card was reported as " closed ''. I did not close the card. When i contacted XXXX, I was advised that my limit was now {$0.00}, my balance was {$380.00} and that my account was still suspended. I advised them that, because they dropped my limit to {$0.00} for the next 90 days and are reporting it as such, they are negatively affecting my credit report, even when the amount was not true. I advised them that, because i still have a balance with a XXXX credit limit, that they are basically reporting my card as closed and that they need to rectify the issue. They refuse. They stated that they will not fix the issue until XXXX of XXXX. In the meantime, my credit report is still being erroneously being reported with a {$0.00} credit limit and a {$380.00} balance for a suspended, but not closed, account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04 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:
Equifax blocked me from accessing credit history, it 's verification list auto loans and bank accounts I never had and then block me from accessing account claiming information does not match, there is obviously identity theft of my account I am not familiar with any car loan or bank account they try to verify prior to providing access to my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
While requesting a pre-approval mortgage loan from XXXX XXXX, on XXXX XXXX, 2016, i found out there 's is something in my credit report that does n't belong to my personal credit history. It is from XXXX, joint acc. # XXXX opened on XXXX for the amount of {$6800.00}. i called XXXX, they told me they could't help me with this because the account was n't under my name. they reffered me to Equifax to be helped with removing that transaction from my credit report history.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The credit reporting company Equifax will not allow me to place a temporary lift on my credit report freeze. 
The company 's website says it can not process the request ( " We are currently unable to service your request. Please try again later. " ). 
I have tried multiple times. 
The live person customer service phone line says all operators are busy then disconnects the phone call. I have tried this avenue multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Credit cards have listed balances on Equifax after bankruptcy. Have disputed 3 times and they continue to list balances. My understanding is that balance should be XXXX after bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX was never disputed but has a remark about a dispute. XXXX XXXX is not aware of a dispute. XXXX was never disputed and the account has a remark. XXXX is not aware of a dispute. There are inquiries on my credit file that were placed in error. There should not be any inquiries for XXXX, XXXX XXXX ( XXXX ), XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, or XXXX. The inquiries were not authorized. Furthermore, I requested my XXXX credit account to be updated to reflect credit limit of {$2500.00} back in XXXX and it is still showing credit limit of {$650.00}. XXXX account has a balance as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have been a victim of Identity theft since 2004, this has caused so many problems in my life. My purse was stolen and my identity has been used in so many ways. Many accounts have been open in my name still to this day and I have been contacting companies and disputing with the companies and the credit bureau for over 10 years. Once I contact the company and provide documentation they would remove the debt, later down the line maybe six months later the debt will appear again. I have become very frustrated with these companies because I have put fraud alerts on my credit report and still have XXXX to 20 inquiries on my credit report. PLEASE HELP ME!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: CORELOGIC INC
State: NC

Complaint narrative:
A credit agency are making inquiries on my credit record every month since XXXX of 2015, The name of the company is Credco. This company was hired by a mortgage company by the name of XXXX XXXX. 'I need this to stop '', My credit record score has been going down every since I inquired about a mortgage loan by XXXX XXXX. I need all of Credo INQUIRIES off my credit record.

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 2016-09-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have incorrect credit balances that have been displayed incorrectly for the past 2 weeks and have n't been updated correctly. It 's showing max utilization and it is bringing my score down drastically. The balance has been brought down to about {$2400.00} on both credit cards combined and the credit limit has been increased to {$7400.00} on both credit cards combined. I need my score to improve since they will be approving me for grad plus student loans and will be checking my credit score starting XX/XX/XXXX so please update the information asap. I attached a word document and a print screen of current balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax has reinserted an previously investigated and deleted account into my credit. Utilizing a credit monitoring service, on XXXX/XXXX/2016 I discovered the account ( XXXX XXXX XXXX Account # XXXX ) had been recently reinserted. As required by the FCRA, Equifax did not notify me of the reinsertion within 5 business days.

Company response to consumer: Closed with explanation