vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Credit report disputed but no written resolution received. 
FHA loan Short Sale. 
Due to FHA guidelines I was required to be late on my mortgage, jeopardizing my livelihood with high interest rates, increased insurance premiums due to this requirement. 
I also hard a medical hardship. My property was listed on XXXX XXXX, XXXX and was not approved until XXXX XXXX, XXXX. On several escalations to XXXX XXXX were completed along with a conference call with the Short Sale Processing Manager and underwriting director. 
The first processor, XXXX XXXX on XXXX XXXX, XXXX denied my short sale application incorrectly. 
There were XXXX managers involved ; namely : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX Along with escalation to FHA, Lender 's market value was less than the sales contract. First buyer terminated due to numerous delays and listing agent was able to secure a new buyer in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax states that its mines without showing proof. I told them and wrote several letters to remove it but sometimes they do n't even write back or update my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have a company which was a XXXX in state of California with my dad. We opened the company back in XXXX and had some employees at the time. So we fell behind with payment for XXXX XXXX XXXX ( XXXX ). So in XXXX and XXXX they put few liens on the accounts. Since then we resolve all the past due balance with XXXX and are in good standings, but they wo n't remove the state tax lien from my credit report and is really frustrating. The name of the business is XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have been a victim of Identity theft as a result several accounts were opened in my name. I have filed a police report and sent it to collection agencies letting them know the debt is not mine but Equifax still reports me negatively on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XX/XX/2015 I had a credit score of XXXX with Equifax , I had prev disputed accounts due to identity theft on my report, so I put a security freeze on my account. So about in XXXX I called Equifax to have my security freeze lifted but for some reason they could not lift it right away they stated they had techinal issues and I had to wait for 72 hours, and it actutally took a week or longer. So when I did get a chance to see my credit report I noticed that they had added XXXX accounts to my report. I reached out to Equifax and asked why they stated I had to files that were the same exact information on it. So Equifax combined the duplicate file to my report which added XXXX accounts back to my report. I have been trying to dispute information to them they are very rude when I call. I have sent information providing that those extra accounts were prev disputed and removed but they refuse to do anything about it. I am a victim of identity theft and have a police report on file. they will not remove those xtra accounts. It was Equifax consumerdept that will not help me in any way shape form or fashion. I have faxed over documents and they still have that duplicate information reporting on my credit report. Equifax Consumer Dept are the wrost people to have to call and talk to, because I call so much sometimes I can here them making smart remarks or laughing in the background. They have said thy have disputed the accounts and I have asked for actual paperwork validating that these accounts are mine they told me that they do n't send out information like that. I am so pised off with Equifax , they will do nothing to fix my problem, my credit score went from XXXX in XX/XX/XXXX to XXXX in XX/XX/XXXX they will not give me any information to prove to me that these accounts are mine, I requested information in black & white proviing that thee accounts belong to me but they will not due so

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Everytime I call I 'm told to fax in my drivers license and social number which I have an then I 'm told it takes XXXX72 hours to fix. Well it 's been that time frame and everyday I get the run around! My name is XXXX XXXX XXXX and my dad is XXXX! We live at the same address. But on MY credit report it has his birthday and his credit account but with my social. Everyone seems clueless when I call about this. Why is this so hard to take his birthday off and add mine of XXXX/XXXX/1980! Then put my credit account on there and take his off. Why is this SO HARD for equifax to fix?! I screenshot my correct credit report to show you what it 's suppose to be!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
My Equifax credit report shows an address that I have never lived at. The address is in the state of Oregon and I have never been to that state. 
Wrong address is : XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
To Credit dispute department : XX/XX/XXXX - Contacted XXXX Services about account {$8300.00}, was informed that they would be sending me a XXXX form for balance on account. 
XX/XX/XXXX taxes, filed XX/XX/XXXX, Amount {$8300.00} Reported as income from form XXXX from XXXX Card Services, included as income reported for the year, and paid taxes for same. 
XX/XX/XXXX - Attempting to qualify for a mortgage, contacted XXXX services again, to request that the amount of {$8300.00} be removed from my credit file, after having received XXXX and reported amount as income XX/XX/XXXX. 
XX/XX/XXXX - Am told by XXXX Services that the only way the amount will be removed from credit report is if {$8300.00} is paid to them to XXXX the balance on the account. Have spoken with various entities at XXXX, provided the XXXX form they sent me, but they refuse to XXXX the balance on my credit report. Can anything be done? '' XXXX has XXXX out the balance but equifax and XXXX has not changed it. I have the XXXX form if needed provide me with fax or email to copy and send. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXXXXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have an UNKNOWN medical collection on my EQUIFAX report. XXXX and XXXX investigated PROPERLY when I disputed and Equifax did not and DELETED the account right away. The account is the only collection on my report, it is from XXXX. I expect this to be properly reinvestigated or I will have no choice but to move forward with legal action with the Illinois attorney general. 

I also sent you a letter stating my issue, with details, which arrived to you YESTERDAY. 

COLLECTION ACCOUNT NUMBER : XXXXMy name is XXXX XXXXAddress XXXX XXXX XXXX, XXXX, il, XXXXI also sent copies of my ssn card and driver 's license last week in the mail to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
XXXX XXXX located at XXXX XXXX XXXX. XXXX, SC XXXX, I was living with someone at the time, management advised I had to go on lease as I occupant over the age of XXXX, but I will not have any financial responsibility because im not a leaseholder, lease holder defaulted on the debt and the past due balance of XXXX prior collection agency removed from my report, however new agency placed account back on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I had a XXXX Credit Card account investigate though Equifax. After 30 days of investigation the account was deleted. I have a XXXX account which is updated every 7 days and the credit card account is being reported once again. What 's the since of trying to solve your credit situation and we as consumers are constantly battling with theses agencies and the information gets put back on the report after a month or a couples of months.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
The balance reported on XXXX/XXXX/2016 is incorrect. See attached payment was made on XX/XX/2016 in full amount paid was {$2300.00} as attached for your review. It was Debt via EFT as attached. I contacted the Bank XXXX XXXX to verify on the afternoon of the XX/XX/2016. The funds was received and posted to the account. Proof of payment attached. XXXX XXXX called to verifying that the XXXX XXXX as well? The Balance was {$0.00} on the XX/XX/XXXX. I have attempted to resolve the matter with XXXX XXXX and Equifax as inaccurate information have been displayed on my behalf via my Credit Reports. Thank you for your assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: CORELOGIC INC
State: CA

Complaint narrative:
My wife & I are getting ready to apply for a home loan. 
Our lender told me that her reporting bureau CREDCO is showing a {$570.00} outstanding debt collection on my information & social security number from XXXX XXXX. 
We are current XXXX customers have been since the XXXX bill is current as usual.

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 2016-07-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent XXXX XXXX XXXX a creditors validation letter to inform me about the collection they have in their office under my name. Accordingly to the FDCPA they had 30 days to respond back to me but they fail to do so. They was suppose to contact Equifax Credit Reporting Bureau in order to remove the debt from my credit report. Below are the documents I sent and the tracking Information. Alone with the deltion letter that should have been sent to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Seterus, Inc.
State: MI

Complaint narrative:
Bad mortage refi under HARP program with XXXX..When I disputed they transferred to Seterus for mortgage servicer ... {$35000.00} in dispute..New program did not reduce my interest rate, failed to write off {$20000.00}, can not proved who owns the mortgage, all number if they provide any are in dispute ... Seterus is more interested in foreclosing on me and are very disrespective, uncooperating, and expect me to show documentation when they claim they have no documentation..Any and all help will be greatly appreciate..XXXX/Seterus have committed fraud which is nothing new..Please contact me at XXXX ( XXXX XXXX ) and leave voice mail if I do n't pick up..Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-01 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Equifax refused to investigate blatant errors regarding XXXX XXXX reporting. Instead they rubber stamped XXXX XXXX reporting without investigating. XXXX XXXX deliberately forced the consumer to eliminate paper statements and to rely upon the website for information concerning home equity loan. They processed XX/XX/XXXX payment before they processed XX/XX/XXXX payment. In addition they stated that the total due was for XX/XX/XXXX for the XX/XX/XXXX payment when in fact they knew that the payment oin that date would allow them to intentionally damage ones credit rating with all of the credit bureaus. They also did the same thong in XX/XX/XXXX when they indicated that the payment was due XX/XX/XXXX Equifax along with XXXX, and of course XXXX XXXX have rubber stamped these lies..It is ironic that my husband XXXX XXXX and myself made the complaints to XXXX XXXX and all of the reporting agencies about the same problem for XX/XX/XXXX. After over 10 attempts to get this corrected finally XXXX XXXX corrected but of course did n't look under the covers for their error on these 2 payments

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have filed around XXXX disputes with equifax trying to get everything updated. They had my birthdate wrong ; that is finally corrected, they did n't have my employer listed- that is finally corrected. They do n't show any of my history of payments. I am uploading to you what I have already uploaded to them. They have my other names listed but they have tried to run my social to update my records to show my credit history. What do I need to do to have this done. XXXX is reporting everything for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax is reporting incorrect information on my report as follows : XXXX XXXX acct number XXXX acct is reporting incorrect the acct is CLOSED and has no date that it was closedThe acct has a date of XXXX for Date of first major delinquency that is completely falseXXXX acct XXXX this account is CLOSED and has no date

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Credit Bureaus need to be held accountable for their neglect and I want violation penalties accessed and awarded to avoid additional litigation and hardship that will be placed on the courts and myself. The adverse items on my credit report has caused me extensive damage and financial hardship. Despite Federal / State law and numerous request for the credit bureaus to delete and disregard the negative items and balance owed on all accounts reported by XXXX XXXX previously XXXX XXXX Bank they have refused to comply. Litigation Case XXXX XXXX XXXX XXXX XXXX. The Judge ruled against bank for possible Mortgage Fraud, all payments and funds are held in XXXX XXXX XXXX Court.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
ON XXXX XXXX EQUIFAX UPDATED MY REPORT WITH THE INCORRECT INFORMATION THAT WAS SENT TO THEM FROM Consumer finance Protection Bureau in reference to my account with XXXX XXXX XXXX. 
The account was opened on XXXX XXXX, 2014 with XXXX XXXX XXXX and the contract was provided. Equifax ignored the contract that was provided to them stating that the contract was opened on XXXX XXXX 2014. They stated to Equifax that the contract was opened on XXXX XXXX 2014 which is incorrect. The account was then closed with XXXX XXXX XXXX in XXXX XXXX, 2014 and refinanced by XXXX XXXX XXXX XXXX they Sent XXXX a check for XXXX which the check that was cashed by XXXX XXXX XXXX A copy of the check was attached. Also XXXX failed to let them know they cashed the for XXXX A check for that was also provided. XXXX has continued to provide incorrect information several times stating that they did not cash a check for this vehicle in that amount which is totally incorrect the checks were cashed at their bank in Texas. Equifax is the only credit bureau that is giving me problems XXXX has updated my report and found out that my information was correct from the documentation received by me with the actual contract and fixed my report in good standing for this account. This is my third time disputing this with Equifax and they are stating that I am not providing the documentation which is incorrect I will attach a copy of the contract and the checks that were cashed again. By Equifax not correcting this information they are impacting my credit report and every credit report is suppose to match.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-03 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Att phone service has ran my credit without permission. I want them to remove it.You ca n't run any ones credit without their knowledge. ( Equifax )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CORELOGIC INC
State: MN

Complaint narrative:
Credit history request- never authorized, company not recognized

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 2016-03-21 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:
I can not access my credit report electronically in any form, meaning through Equifax directly or any credit monitoring service. Equifax offered to send me a paper copy but did not fix the fact that I can not access my report electronically, nor can some creditors. I have a right to be able to access my credit report electronically. Equifax must fix this. I ca n't monitor my credit if they do n't which causes me substantial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: WA

Complaint narrative:
Seterus Inc. A home loan servicing company, states that I have a deficiency of {$890.00} When I call their XXXX The people that answer have no idea what is going on. They say that I am behind on my impounds, but can not actually prove it. They continuously refer to the " Escrow account projections '' for the next 12 months. Yet my numbers clearly show that the payments I make more then cover the P & I as well as the impounds. When in actuality I have over paid them in the past 3 years {$350.00} towards impounds. After explaining this, they tell me that I have a deficiency from a couple of years ago. Again I ask for specifics and they can not supply them. 3 out of the 4 times I have called Seterus, the representative gets very short with me, treating me as if I do not know what I am talking about.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Pressler & Pressler, LLP
State: AZ

Complaint narrative:
The only reason i knew of this debt was in existence was when my bank account took a hit and was marked frozen. I was never contacted or pursued. They sued me in Nj. I was informed it was a XXXX account from XXXX acquired by them in XXXX. I was told that XXXX was a client of theirs and i would have to prove a case of identity theft and submit an affidavit of fraud, a police report, and proof or residency from XXXX - XXXX. I feel im being put trough a wild goose chase to prove this is not my debt. I have not lived in the state of Nj since XXXX. I find it is nearly impossible to provide such information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I made a purchase online on XX/XX/2016 from XXXX in XXXX. My credit card was charged the day I made the purchase. I cancelled the order on XX/XX/2016, at that point no goods had been shipped to me. On XX/XX/2016 I disputed the charge with my credit card company Citibank. Citibank placed the money back in my account. Then on XX/XX/2016 Citi reversed the credit because they claim the merchant refuted the dispute. The merchants response that Citi forwarded to me is simply the merchants return policy, it has nothing to do with this specific case. I have contacted the merchant several times and they claim they did not refute this claim. They have attempted several times to refund the charge. I have talked to the Citibank dispute department multiple times and they say that it is up to the merchant to refund the money, there is nothing they can do. 
On XX/XX/2017 I filed a complaint regarding the merchant with the XXXX of XXXX concerning this claim ( ID XXXX ). The merchants response to the XXXX was " I have talked to this customer multiple times and explained that I am not able to refund this transaction because he filed a chargeback with the credit card company and the money has been taken from us already. This is something he needs to work with his credit card company on. I have talked to our processor and there is nothing we can do. It is out of our hands. '' Based on this it appears that Citibank withdrew the money from the vendor yet did not provide a refund to me. Citibank continues to tell me there is nothing they can do.

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 monetary relief