vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: NJ

Complaint narrative:
I am writing to file an official complaint with your agency about my mortgage servicer ( Seterus Inc. for my XXXX owned mortgage ) for what I believe to be : A.Violation of Federal Mortgage Servicing Rules As They Relate To Loss Mitigation Procedures. and ; B. Violating Federal Laws as they relate to responding to 'Qualified Written Requests as defined in RESPA , 12 U.S.C. 2605 ( e ) ( 1 ) ( B ). 

I believe that Seterus Inc may be in Violation of Federal Mortgage Servicing Rules As They Relate To Loss Mitigation Procedures for the following reasons : On XXXX XXXX, 2016 I sent a fax requesting loss mitigation/hardship assistance was sent to Seterus, Inc. to which I received no response ; on XXXX XXXX, 2016 I sent a follow-up fax to the XXXX XXXX, 2016 fax requesting loss mitigation/hardship assistance to Seterus, Inc. due to their failure to respond to my XXXX XXXX, 2016 request. To date it has been 43 Days since my first request for assistance on XXXX XXXX, 2016. 

With respect to my second allegation, I believe that Seterus Inc may be in violation of Violating Federal Laws as they relate to responding to 'Qualified Written Requests as defined in RESPA , 12 U.S.C. 2605 ( e ) ( 1 ) ( B ) for the following reason : On XXXX XXXX, 2016 I sent what is deemed to be a 'Qualified Written Request - QWR ' to Seterus, Inc via facsimile to which they never responded or provided me with the information requested. 

Note : Copies of all relevant back up documentation are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX credit inquires on credit not getting resolved. My XXXX from me on XXXX XXXX and again multiple times on XXXX XXXX. I have calledthe companies multiples times to have them send over the request tocredit bureaus to take inquires off my credit because the companiesfound it to be fraud right away. I have sent all my paper work in everyoneneeded, disputed the inquires online with credit bureaus. The other XXXX bureaus have taken action and fixed the problem expect Equifax, Inc. They keep telling me they are not receiving any request fromcompanies. As of today XXXX XXXX still saying same thing. Need doneASAP past my time frame, ruining my life, and causing emotional stressit 's causing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
How many times do I have to tell the special people at Equifax that I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX VA XXXX, that IS A LAWYERS OFFICE AND NOT RESEDENTIAL. That proves right there that XXXX XXXX XXXX account is not mine. Also, I was told on XXXX XXXX that nothing was ever reported to you, more holes are opening in your story then there are holes in city streets. I also want to know why XXXX XXXX XXXX told me the account was closed in XX/XX/XXXX and you said XX/XX/XXXX, how are you people allowed to even be in this business? Next, as of XXXX XXXX, XXXX XXXX has told me they never communicated with you, funny how they will verify information to you and not me. Next, XXXX XXXX XXXX should have never and should never be reported as it is not mine and was discharged in settlement. Lastly, XXXX XXXX XXXX has informed me that they have requested their information be removed from my report due to a pending lawsuit against their client that they did not want to be involved with so why is Equifax keeping them up there. I want to repeat this one point again, I HAVE NEVER LIVED AT XXXX XXXX XXXX XXXX XXXX XXXX, XXXX VA XXXX, THAT IS A LAWYERS OFFICE AND NOT ZONED RESIDENTIAL!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
In XX/XX/2013, I disputed an account that was reflecting on my credit report with XXXX and also XXXX. I also sent a request for validation directly to the collection agency. Soon after, the account was removed from both XXXX and XXXX credit reports. 

After checking my credit recently, I noticed this account has reappeared on my credit report, specifically it is reporting now on my Equifax credit report under another agency. I have tried contacting the bureaus directly, Monday XXXX XXXX regarding the removal of this account but have not received correct information to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NIC, Inc.
State: AZ

Complaint narrative:
Nemo 's collection XXXX has a debt listed on my credit report that is not mine. I never signed a contract or entered into any contract with the people who owe this debt. I have disputed this with XXXX XXXX and Nemo 's to no avail. I have been unable to get credit or a loan due to this horrible ding on my credit report. 

I have attached the letter I sent to Nemo 's requesting all copies of said contract, etc. They did not send anything but a statement requesting payment. 
Further exploring by a family law official exposed the fact that this debt was discharged in a bankruptcy and is in the public records. I have also included the letter with the case number, as well as other supporting documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
Equifax is not responding to any of my requests to investigate, verify and remove accounts from my credit report that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have been trying to get a freeze on my report lifted from Equifax for 3 weeks, I had no problem getting the lifted with the other XXXX agencies. Equifax has refused to let me lift it online where I placed the freeze, they have given me the run around when I call, telling me to call back in 1 hr because they ca n't help me because they are doing a system update, when I call back later they tell me the same thing - they are having a system update and can not help me. I am so frustrated I want to scream. They have also refused to give me my free annual credit report. They have caused me significant distress and problems as I have been unable to obtain utility services for my XXXX residence because of their refusal to lift the freeze. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
My complaint is against the Service Debt Collector - Seterus Inc. Seterus has been servicing my loan for more than 10 years at 6.125 %. This property is located at XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX, is no longer my primary residence. My family and I have moved out of state and the property is now deemed income property and is occupied by a tenant. In early XXXX of this year I entered into discussions with a mortgage lender regarding HARP refinancing for this property. However, I was informed that prior to proceeding with the refinancing process ( which I pre-qualified for ) XXXX records related to my Private Mortgage Insurance ( PMI ) status needs to be updated. After contacting XXXX, I was informed that Seterus Inc. has to submit this request - ca n't not be requested by the loan recipient. Subsequently, I XXXX contacted Seterus Inc. on XXXX XXXX, 2015 ( see the attached complaint letter ) with no success. Seterus ' representatives have failed to return multiple calls or offer any explanation to the status of my request. I have not been required to pay PMI for years ( see the attached IRS Form 1098 ). I strongly feel that Seterus is deliberately ignoring my request due to the fact that the loan will be transferred to another lender. If my assumption is correct, worst case their practice is unethical ( if not illegal ) and consumer infringement. Best case, they have an extremely poor infrastructure upon which to address customers ' needs. After conducting further research, I was not overly surprised to find out that Seterus has been cited in a number of consumer complaints. I would greatly appreciate your assistance with getting this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Disputed the XXXX bankruptcies showing on my report. Equifax deleted the XXXX bankruptcies and later the same day placed them back onto my report. No five day notice received informing me of the lines being added back to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I filing this complaint IN regards to the situation evaluated and it were once deleted several times and place back on my Credit file at least three times .One of the issues IS THE status Judgement with XXXX XXXX XXXX XXXX XXXX car dealership, and the all the reporting Cable Companies, due to no contacts sign and FALSE information. The XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX Companies. These Companies does n't have t he right to put any files without a sign contacts or the HIGH EXPENSE amount they say, I owe them. 'Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
An identity thief fraudulently opened an XXXX XXXX credit card account in my name. {$10000.00} was charged to the card with no payments. I noticed via review of my Equifax report ; I contacted XXXX XXXX, filed a report with the FTC and a police report, and disputed the account on the Equifax report. Equifax denied the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax has deleted all of my many years of credit history. I am XXXX yrs old and have have credit history for about 30 years or so. This is really hurting me on my credit score and want them to recognize my credit history. For example, XXXX, the Equifax competitor, is currently reporting me as having 19yrs 9 mos worth of credit. It is actually more than that, but this is acceptable to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
i am a retired XXXX of XXXX large corporations. I take great care of my credit report and especially scoring.During the last 30 days, i reduced XXXX of XXXX revolving credit accounts and zero 'd down to a credit balance on another.During that time my score dropped from XXXX to XXXX, from a previous high of XXXX. When i inquired XX/XX/XXXX during XXXX hour, XXXX individual contacts during the last contact with a supervisor named " XXXX '' while waiting for her supervisor, i was disconnected., though my return number was verified during the call, no one called me back, calling back i was advised the company was so large identifying " XXXX '' was impossible, even when i quierried how long the recorded calls were maintain, i was advised six ( 6 ) months. i told XXXX reason was on the XXXX 'd down account of XXXX credit, there was a XXXX charge. The other reason was, during this period XXXX ( XXXX ) previously closed, but remained open accounts from 8 years ago, " reported '' these accounts as " dormant/no activity account '', reviewing the credit report they show " Paid and Closed '' I was then told these will remain for an additional ten ( 10 ) years on my report, and that I can expect my score to drop additional points in the next reporting period.i questioned these accounts since i could NOT reopen them without reapplying, again impacting my score. I was advised by " XXXX '' that i should have maintained a monthly minimum charged balance, paying monthly on these XXXX revolving accounts, I questioned again an additional open XXXX retail charges, and was assured it would have protected my scoring, but since they have been reported in this manner they will remain for an additional ten year period, though " closed '' paid as agreed, no activity dormant accounts. Oh a final comment, I 'm XXXX years old and in my credit history, there has NEVER been a reported late payment. There is a public note from a deeded property owned by my xwife, because of a late tax payment, i was included in the lien on my credit report on property i did not own, im also stuck with this until XX/XX/XXXX, good thing is ill have passed before this drops off, or should i sahy, ill drop off before this item. 

Thank you for what ever results you can provide, even if it opens an issue that will help others, i understand i 'm NOT the only on impacted by this practice, and I DO understand credit scoring purely drives higher interest rates for loans, again thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I recently filed a dispute with Equifax Information Services regarding a late payment being reported by XXXX XXXX XXXX for a personal account with a delinquency date first reported on XXXX and then again on XXXX. I advised Equifax that the information was incorrect due to the fact that during those times I was under federal bankruptcy protection and provided a copy of my bankruptcy XXXX paperwork which provided the start dates of XXXX - XXXX for bankruptcy protection. I then advised that under federal law they are unable to report any or update any negative or positive information on my credit file while I was under bankruptcy protection. Despite having the required documentation Equifax determined that XXXX XXXX XXXX was correct in placing this illegal negative report on my credit file, despite me being under bankruptcy protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: IL

Complaint narrative:
I received a letter saying my house was going into forclosure even though im up to date with payments.they say when I received a loan modification years ago I missed a payment.i did n't even have this company back then, my loan was sold to them months ago, and its been a nightmare since the beginning.they keep losing my payments or put it in unapplied funds.what can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: CORELOGIC INC
State: IL

Complaint narrative:
I have XXXX hard inquiries from Safe Rent ( XXXX XXXX XXXX ) within days, XXXX of which was unnecessary

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
THERE ARE INQUIRIES DONE ON MY CREDIT THAT I DID NOT AUTHORIZE. WHEN CONTACTED CREDIT BUREAU BY PHONE THEY STATE THAT THE INQUIRIES ARE VALID AND THEY DONT HAVE TO PROVIDE PROOF FOR THE INQUIRIES. I HAVE NOT DONE ANY INQUIRIES ON MY CREDIT IN XXXX OR XXXX. THESE INQUIRIES NEED TO BE REMOVED FROM MY CREDIT ASAP. I SHOULD NOT HAVE TO WAIT 2 YEARS FOR INQUIRIES TO BE REMOVED THAT I DID NOT AUTHORIZE NOR DO.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
On and off for the last year I have been unable to obtain my Equifax score and report. I pay monthly for their service. I have called numerous times and spent countless hours on the phone. Most people ca n't help me. XXXX XXXX has helped, but has told me if I keep using the service THAT I PAY FOR, that " they will take it away from me ''. So they continue to lock me out from access to my report, but continue to charge me. This is fraudulent. I want access to the product I pay for.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Security National Automotive Acceptance
State: VA

Complaint narrative:
I purchased a XXXX mustang from a used car dealership in XX/XX/XXXX. The car had some issues, so I traded it in a few months later for a XXXX mustang. The dealership stated we could do an even trade of the value of the new vehicle to be the same as what I owed on the old one. So I took out a loan on the new vehicle believing the dealership was going to pay off the old one. A few months passed, I had to go XXXX, and I eventually found out that the dealership went out of business, did n't declare bankruptcy, did n't list me as a payee, and basically left me high and dry with twice the amount of debt I was intended to have.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There is a judgment showing on my report. I am attaching the paperwork from the clerk of the courts office showing this is satisfied and needs to be deleted. Clerks office said they do not report to the credit bureaus and suggested I go through this site.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have contacted equifax credit collection agency four times regarding this issue and disputed it. They refuse to remove in the comment sections, " consumer disputes, reinvestigation in progress ''. There are XXXX entries from XXXX and XXXX entries from XXXX XXXX XXXX. I am trying to get an FHA mortgage and close on a loan in 2 weeks. Their guidelines state I ca n't have any open disputes on my credit report. These XXXX creditor have XXXX entries together. I have not done business with these creditors since 2011. My loans were transferred or sold by them to another lender. I just need the words " consumer disputes, reinvestigation in progress '' Please have them remove them asap so I can get my home loan. I do n't want to lose a home I really want to own. I have a really good credit score. When I call equifax I get someone in XXXX. They ca n't understand what I say. Please help me. I have attached the XXXX entries. Please see what I am looking at in the comments section.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Everything on my credit report is not me. Someone keeps getting loans and mortgages out on my credit and I do n't know how to stop them so I can actually use my credit MYSELF.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Common Wealth Mortgage Services
State: CA

Complaint narrative:
I received a fixed FHA mortgage XX/XX/XXXX with a payment of approximately {$1500.00} per month. XX/XX/XXXX I was notified by the mortgage company of an escrow shortage due to the facts according to mortgage company the property taxes had been initially incorrectly calculated upon my obtaining the mortgage. Taxes and insurance are impounded with mortgage payment. Due to being on a fixed income I was unable to pay shortage so the mortgage payment was increased to {$1800.00} per month XX/XX/XXXX. I looked at my account recently and the mortgage payment is schedule to increase to {$1900.00} per month beginning XX/XX/XXXX and I am unable to refinance either Streamline or otherwise at this time without having to bring in upwards of {$6000.00} to do so. Mind you this was supposed to be a fixed rate mortgage so I wondering what rights do I have to protest these increases as the miscalculations of property taxes was not my fault but I am suffering due to the mistakes of my mortgage company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
DOB : XX/XX/XXXXSSN : XXXXFile # XXXXDear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX Account XXXXPlease block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation