vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax added an address to my credit report that is not mine : XXXX, FL XXXX -- -- This IS NOT MY ADDRESS I 've been at the same address for 22 years : XXXX, FL XXXX Also, they have XXXX hard inquiries listed - I have been XXXX for the past 4 years - and I have not applied for ANYTHING ; REMOVE THE illegal inquiries at once! This is my 3rd request to this company - If not, I will file a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
We have been working on a short sale with US Bank since XXXX, XXXX. All documentation was confirmed received as of XXXX XXXX, XXXX. Per the guidelines, I waited 30 days for a response and did not receive one. I escalated the matter to XXXX XXXX, my point of contact 's supervisor, who stated that he would look into the matter. I followed up with him and cc 'd the negotiator on XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. I continued to follow up with him on XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. This has continued into XXXX, on XXXX XXXX and XXXX. I received a phone call on XXXX XXXX and spoke with a representative on XXXX XXXX who stated that they need to start the review over again because the appraisal they conducted in XXXX expired in XXXX, and nobody on their end did anything to order a new one, despite my near constant follow up with the file handler and her supervisor. I am concerned that they in fact did absolutely nothing with the file for over ninety ( 90 ) days, while my client experiences the stress of losing their home and the constant threat of foreclosure. I also have to keep the buyer interested in the transaction, and that is difficult when the lender sits on their hands for three months.

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 2016-05-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax is still reporting an item as belonging to me despite several disputes. I have received letters from the company holding the debt ( XXXX XXXX ) stating that this particular item does NOT belong to me but still Equifax wo n't remove it. They are the only credit company still reporting it on my credit. I 've tried calling, disputing, filing a complaint and after 6 months, it 's still there. Feeling very frustrated with this process and lack of communication on Equifax part. If they would pick up the phone and call XXXX XXXX, this could have been solved months ago.I am appalled at the process to remove an incorrect item. Most people would have given up or spent thousands of dollars using an agency to remove something like this. It should n't be that difficult. I HAVE PROOF from XXXX XXXX that the item is NOT mine. Ridiculous that Equifax ca n't obtain the same information and get this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
My FICO credit score dropped XXXX points from last month due to a derogatory public record. After looking into this, I learned that it stems from bankruptcy, foreclosure, tax leins or civil judgment. However, none of these things apply to me : I 've never filed bankruptcy or had to foreclose on a property, I 've never been to court, and I have no knowledge of a tax lien being have been imposed or a collection filed against me. What can I do about getting this removed from my credit report? Not only is it a mistake on my report, it very negatively impacted my score.

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

Complaint narrative:
I have been having problem with XXXX since XX/XX/XXXX for repoerting wrong information. 
we have no Valid contract Since XXXX changed terms of my contract monthly paymentwithout my knowledge. wrongfully repossessed the car XX/XX/XXXX. First Delinquencywas on XX/XX/XXXX. The past XXXX years I have uploaded the contract and the monthlypayment history showing the last payment date as proof to equifax but Equifax has failedto look at the document and make correction to my credit file. Since it is over XXXX years and there is no valid contract and equifax not follwing the law. I want this account be removed from mycredit file. Old and we have no cotract that I signed

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
i was hit by a XXXX driver in XXXX and the ambulance fee wasnt paid in time but i was suing the insurance company to get all fees paid so the ambulance fee didnt get paid in time. im trying to get this off of my credit record.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: CORELOGIC INC
State: IN

Complaint narrative:
On XX/XX/2016, I filed for Chapter 7 bankruptcy protection, which any and all debts were included. A copy of my discharge was sent to all credit bureaus on XX/XX/2016. 

On XX/XX/2016, I applied for a loan and was given a rejection with Corelogic/Teletrack listed as a data furnisher, a data furnishing company I had never heard of before. 

Under the U.S. Bankruptcy code, all debts incurred prior to filing are considered discharged regardless if remembered or not. To the best of my ability, all debts were listed and they were all successfully discharged. 

Whoever Corelogic is, whatever files they have on me, and whatever kind of nefarious practice they are running are concerning to me. 

The case number for my bankruptcy, which was filed and discharged successfully in the XXXX of Indiana, is XXXX - identification has been uploaded.

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 2016-04-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
MY HOME IS IN FORECLOSURE AND I AM IN THE TRIAL MAKING PAYMENTS I BEEN SAID OVER THE PHONE THAT THIS IS NOT ACTUAL INFORMATION BUT I STIL IN FORECLOSURE ( DUAL TRACK ) THE SERVICING COMPANY IS TAKING THE PAYMENTS ( 2 ) AND I DO NOT UNDERSTAND THEIR PROCEODURES BECAUSE THEY SAID WHAT I SEE IN THE INTERNET IS NOT REAL

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have attempted over a year to have information on my Equifax Credit Bureau and everytime I dispute they say it is a factual record and belongs to me. I have submitted police report Identity Theft information and still they wo n't remove it. It has been removed from the other XXXX credit reporting agencies, but Equifax refuses. When i ask ow the investigated was determined or show me the documentation they have that this belongs me they can not. The information of the credit cards XXXX is not even my address it is out of state address.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax and XXXX are reporting a false Judgement lien from like New Jersey that is not in any way personaly related to me and I ca n't seem to get Equifax and XXXX to remove it from my reports. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with section XXXX XXXX XXXX XXXX Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph XXXX by not later than 15 days after receiving a request from the consumer for that description. That is a DIRECT quote from the FCRA. I am complaining because for close to 3 months I have been asking for Validation from XXXX the furnisher and more importantly to me in this case the publisher of information ( the CRAs ) that concerns me and my credit health. I am asking for deletion of this information because they have not provided me with the furnisher of the information. It is NOT whom they are saying it is in there official response to me. ( The agency they are pointing me too as saying the verified it is saying that They do NOT REPORT to any credit reporting agency or anyone else for that matter. ) so why ca n't I know who is giving them the information??? I have been informed by Equifax agents ( on multiple occassions ) explaining that " as long as they say it 's verified it 's verified '' ... '' I am not allowed to know anything else '' ... What does XXXX mean??? And since they have never provided me any proof, why have they failed to delete it? Is Equifax XXXX above the Fair Credit Reporting Act? Section 611 ( 5 ) states Treatment of Inaccurate or Unverifiable Information XXXX XXXX XXXX In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( I have a recording of this entire event that happend on Tues XXXX of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: PA

Complaint narrative:
Our mortgage statement indicates that there is no late payment until the XXXX of the month. XXXX, even though I make the payment before the XXXX we receive statements that are issued prior to the XXXX and indicate a past due payment. This adds to the overall cost of the mortgage. I called company about this and I was told that there are no additional costs to the mortgage just because the new statement does not include the latest payment. For example, I paid XX/XX/XXXX payment on XX/XX/XXXX. I paid current payment and added payment principal payment of {$150.00}. Statement dated XX/XX/XXXX ( attached ) and received on XX/XX/XXXX shows a past due balance. 
Seterus consistently issues monthly statements prior to the XXXX of the month, causing the perception that the payment is late, thus allowing them to omit applying most recent payments and incurring a higher mortgage balance as a result. If there is no grace period and the payment is in fact late, why does the late fee begin after the XXXX. This policy has negated all of the extra principal payments we have made, although Seterus denies it, but simple math indicates otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have never lived at either one of these addresses and would like them removed from all credit reports XXXX XXXX XXXX XXXX, TX XXXX And XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-24 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I received a credit report from Equifax in XX/XX/XXXX and realized my date of birth was incorrect. I was told to fax over my personal information which was ; copy of drivers license and social security card. My DOB was updated. In XX/XX/XXXX I received another credit report from Equifax and it had several addresses that were not mine, a formally known name that was not mine, a social security number that was not mine. A XXXX credit card with a {$10000.00} line of credit and a XXXX account that is not mine. I have disputed twice once by fax and once by certified mail. The result from the first dispute is they would not be removing any of the incorrect information and the credit report remained unchanged. Second response is Equifax could not make out my social security number and license. I have mailed a copy of a recent utility bill and a XXXX form. I went to a professional copy shop to have copies of all of these documents copied since this was a response I received in the past. I am in the consumers affairs department which means I have lost the ability to have online access to my credit file and i applied for a credit card and was denied based on the inability of the creditor to pull my credit report from Equifax. Equifax told me I was in this department indefinitely and they refused to give me a reason why. I can not discuss over the phone my report with Equifax. I would really like your assistance in gaining access to my credit report on line and having a correct credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have contacted Equifax regarding inquiries in my credit file. I informed them I did not authorize these inquiries instead of them removing them and trying to figure out who is being fradulent they just ignore the matter. The inquiries that I have for accounts established are mine everything else is unauthorized and should not be reported if not initiated by me. There are laws to protect me as a consumer and equifax is breaking the law by reporting inaccurate information. Please address this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have contacted Equifax about XXXX accounts on my credit report advising that I have settled these accounts but they still continue to report that the balances have not been taken care off. I am told to contact the creditor that reported on my credit report which I 've done and it is still not corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
XXXX is reported incorrectly and does not state " medical '' on credit report. They are breaking the FCRA act and did not indicate this as a medical account. I am asking that this improper reporting be deleted completely from my credit report. In the " Consumer credit reports : A study of medical and non-medical collections '' dated XXXX 2014 it states ... ... 

" As previously noted, research performed by the CFPB demonstrated that credit scoring models that treat medical collections in the same way as other collections trade lines penalize consumers with medical debt collections by underestimating their creditworthiness with lower scores.XXXX The study found that consumers with medical debt were more likely to pay their future loan obligations on par with consumers scoring at least XXXX points higher. '' The credit was reported incorrectly and needs to be removed from the credit reports completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. 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 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. 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 2015-10-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I have never lived in Maryland

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: VA

Complaint narrative:
Back in XXXX 2015, I got in contact with a XXXX XXXX XXXX from XXXX XXXX XXXX. We went through information on stopping my foreclosure. I was told to pay {$3000.00} and they could get my foreclosure turned around. I was told not to contact my mortgage lender at the time Seterus and that XXXX XXXX XXXX will handle the proceedings from there. I then received a letter in XXXX that my property had been foreclosed on. I spoke with XXXX XXXX ( XXXX ) from who works for a Realty company. I filed a complain with XXXX and they said they they would review the matter and get back to me. When I email them I just receive a generic email back. I 'm writing to ask what I can do about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. The inquiries below are a result of this identity theft. Later I also suffered a hack due to XXXX and XXXX. I have attached documentation of the identity theft and hack. I disputed this directly with the company and did not get a response. The inquiries I am disputing are : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Telephone Companies XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Telephone Companies XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Sales Financing XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Personal Loans Cos. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Personal Loans Cos. 
XXXX XXXX XXXX, XXXX XXXX XXXX Miscellaneous Utilities XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Personal Loans Cos. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Credit Unions XXXX XXXX XXXX, XXXX XXXX XXXX Mail Order Firms XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Banks XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Credit Card Cos.

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

Complaint narrative:
I am a XXXX percent XXXX Veteran who applied for the student loan forgiveness/discharge program. I got a letter in XXXX 2011 from the XXXX, stating that my request to receive the forgiveness/discharge was approved. I later receive a letter from XXXX that the request was approved. I was refunded of the amount I paid on the student loan on XXXX XXXX, 2011. 
Months later I looked at my credit report and see that the loan was reported as being late 120 day by Equfax. Based on my understanding, under the Federal Law, a veteran who seeks federal student loan forgiveness if they receive a XXXX % XXXX rating by the Department of Veterans Affairs should not be penalized with bad credit. Since I received a discharge based on VA documentation of my XXXX, my credit report should show that I no longer owe the loan, not that it was " assigned to government '' for monitoring.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I filed a dispute with Equifax and my results are dated XX/XX/2016, they deleted the address of : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX I explained that this address does not belong to me, I have no knowledge of this address. Equifax has re-inserted it back on my credit report, after they sent me correspondence that it was deleted. I demand that this be looked into immediately as it is a violation of FCRA. Thank you for your investigation into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I attempted a couple of days ago to obtain my free credit report from Equifax online and received a message to try another time. I tried today and now it wants me to request it in writing with proof of identity such as XXXX, etc. which I do not have! XXXX XXXX and XXXX did provide it but Equifax is making it very difficult!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
I made several attains to pay my bill via Navy Federal Credit Union and the Website still is not work. Please review the website and make it working properly and contact regarding this matter also.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation