vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-21 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
On the XXXX of XXXX Bank of America closed my account in error. I immediately called abd spoke to XXXX who was working in BoA compliance and was assured this was a bank error and would be fixed within 24 hours. The account opened again and then 12 hours later closed again. 

I rang again and talked to XXXX in BoA compliance ( XXXX ) who said that she would sort everything out as this was a bank error, and that no check had been issued on the closed account. She assured me that it would all be cleared ad back to normal by the XXXX of XXXX and to please wait until then. 

I did this. On the XXXX of XXXX I rang again and BoA told me that a check had been sent on the XXXX - to which I replied that I had been assured this would not happen nor would it be sent. The customer service representative said all she could do was put a stop on the check and to please wait for 7 days for it to clear. In the meantime I traveled to the US only to find that my funds were still not cleared. I went into a Bank of America branch in XXXX and they said there was n't anything they could do and I should call BoA again. 

Today now the XXXX of XXXX after spending 1 hour and 20 mins on the phone all the representatiives have told me that there is nothing that they can do as it was a cashiers check which has been sent to my XXXX address and that I either have to wait 90 days before they will credit me my money or post the check back to them which means I have to wait for another 3 weeks until I go back. 

So for the past 21 days I have not been able to access my own money of {$6700.00} and they have told me that I will not be able to access XXXX until I either send the check that they shouldnt have sent or another 90 days. 

As far as I am concerned this is completely unacceptable behavior for a bank when they made the error and should have immediately credited my funds back. So here I am visiting the US without access to any of my funds.

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 2017-03-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Sir/Madam, How are you ...? I have a serious problem with Equifax credit reporting agency as I have been fighting these people for over 6 months and I ca n't get anywhere so that is why I am escalating this matter to you. There are multiple items appearing on my credit report and I have been a victim of identity theft, however Equifax, XXXX and XXXX still refuses to remove this information and it has hurt my credit very badly. I do appreciate all your professional time and assistance and look forward to hearing back from you. Regards and thank you. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax continues to keep allowing incorrect collection accounts on my credit report that have been previously deleted multiple times. When I dispute the collection accounts Equifax states accounts were verified which is not possible because they are not mine. When I contacted Equifax by phone they will not explain how the collection accounts were verified to be my responsibility or what information the company provided to verify them except my name and address. I explained to Equifax anyone can get my name and address because they list it on my credit report. This credit reporting company ( Equifax ) needs to be sued for their lack of investigation and reporting false information on people 's credit report that damages people 's credit rating. I have had the same listed collection accounts in my Equifax report number ( XXXX ) deleted from other credit reporting agencies because the company knows they are not my accounts. These credit reporting companies need to be held accountable for the damage they are creating by their lack of investigation efforts when investigating for consumers. Equifax automatically rule 's against the consumer because they are being paid by the collection companies to keep this false information on the consumers credit reports. I have asked Equifax and the companies listed in my collection investigations to provide me with a contract or a document with my signature showing I have any responsibility to pay any collection accounts I have disputed. Equifax and the companies both have failed to provide me with any proof I owe the amount requested or any other amount they show in collections on my credit report. I demand this matter be taken seriously by Equifax and the false collection information deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Most of the things were disputed but not all of them. They are all medical bills when my identity was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I 've recently obtained a copy of my credit report from your agency, and found the following error on my credit report in the name of XXXX and XXXX XXXX ( Judgement ) Please note that before making this request, I sent letters to the organizations responsible to determine their validity. Although I sent these letters return receipt requested and have proof that my letters were received more than 30 days ago, they have failed to respond. Therefore, I ask for your assistance in resolving this matter. 
In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined above. 

If your investigation determines the inquiry was authorized, I respectfully request you forward to me a description of the procedure used to determine this within 15 days of the completion of your re-investigation. Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at ( XXXX ) XXXX. 

I 'm reminding you that you are required to conduct the subject investigation in a timely manner. The Fair Credit Reporting Act states that the investigation should be completed within 30 days. Please send me a copy of my updated credit report to the address listed above following the completion of your investigation. 
Please also provide me with any documentation that you received in connection with the above investigation including, but not limited to, the telephone and/or contact information of the inquirers, any and all responses provided by the furnishers of information, and the specific action taken as a result of those responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-26 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I need to check my son and daughter 's credit reports to make sure there is n't any fraudulent activity. They 're XXXX years old and XXXX year old. We had received a letter from XXXX saying that their system was hacked ( a few months ago ) and that our personal data may have been compromised and I totally forgot about it until now. I just want to check their reports and make sure everything is okay. Thank you so much!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XXXX/XXXX/2015, I contacted Equifax concerning several hard credit inquiries appearing on my credit report. These inquiries were made by third parties who DID NOT have my permission to pull the report. I made Equifax aware that the companies/organizations who gained access to my credit report had no permissible purpose under the Fair Credit Reporting Act and that Equifax had the responsibility under 15 U.S.C. 1681i ( a ) ( 5 ) to remove credit inquiries occurring without obtaining permissible purpose from the consumer. Over the past 3 months Equifax has ( 1 ) refused to make the violators prove that they had permissible purpose and ( 2 ) refused to remove the inquiries from my credit report after failing to obtain permissible purpose from the violators.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have discovered that Equifax is reporting incorrect and incomplete data ona mortgage account that I sold in 2012. XXXX XXXX XXXX, XXXX. Mortgage is reporting my current status as " Pays 61-90 days. '' They do show the " activity designator '' as Paid and Closed. However, the current status is certainly not " Pays 61-90 days. '' This should be reported as " Closed, as I can not currently be late on a mortgage that I paid in full I. XXXX 2012. According to their own 81 month payment history on my credit report, there is not a single instance where my payment was more than 30 days late. Equifax ( or XXXX XXXX XXXX ) has also omitted all on-time payments in the 81 month historical payment history, except for XXXX. They have only included instances where I was 30 days late. Every other month ( but for XXXX ) shows " NR. '' This is clearly not correct. If an 81 month payment history is included in a credit report, it should be recorded in its entirety, or not at all. Please find attached copy of my mortgage with XXXX XXXX XXXX, as reported by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have attempted numerous times to give Equifax the opportunity to delete these XXXX accounts that has not been verified nor did they respond to my request for method of verification per FCRA Section 611 ( a ) ( 7 ). The accounts in question are : XXXX, XXXX, and a public record XXXX. These accounts are NOT MINE and they have not been verified. I will also be sending this same complaint certified mail for the last time. If no resolution I will be sending a letter of intent to sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
When I tried to make an account at the XXXX XXXX XXXX XXXX, they said I could not complete the process because my Equifax credit report information was not consistent with the information I provided for them. My birthdate on the credit score is incorrect : It says my birthdate is XXXX/XXXX/1981, when I 'm really only XXXX. I do n't understand what exactly is going on, and I 've yet to get the answers I 'm looking for. I just want them to correct the birthdate so that I can apply for an account with the XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This letter is being sent to you in response to a listing on my credit report from EQUIFAX. Be advised that this notice is sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) and that this claim is disputed and validation is requested. 
I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of the authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 
I ask you to provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
2. What is your authorization of law for your collection of information? 
3. What is your authorization of law for your collection of this alleged debt? 
4. Please evidence your authorization to do business or operate in this state. 
5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 
6. Please provide a complete account history, including any charges added for collection activity. 
Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you placed this on my credit report in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from EQUIFAX. 
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Seterus, Inc.
State: VA

Complaint narrative:
I have submitted a previous compliant related to the issue I am encountering ( XXXX ). After filing my compliant, I reached out to my mortgage lender again on XXXX attempting to obtain my mortgage payoff quote. I was finally able to receive it, however, it was incorrect. XXXX revisions have been made by Seterus to my mortgage payoff statement to date, and it still has not resolved the problem. I am now 4 days away from closing, and Seterus still has not provided me a correct mortgage payoff quote. Seterus is still including my homeowners year premium in their payoff quote, despite the fact myself and the lender I am due to sign with on Friday have repeatedly contacted them requesting the homeowners insurance be removed because the yearly premium is being included in the closing costs for our new loan. I called Seterus again today seeking a updated and correct payoff quote, and was told they require 7-10 business days to process the request, and the earliest I can obtain the information is Thursday, XXXX XXXX and there is no guarantee I will. Seterus ' inability to provide me with a correct mortgage payoff statement is jeopardizing my refinance and they seem unfazed by the federal regulation requiring they provide a mortgage payoff quote no later than 7 business days after request.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
I was a victim of identity theft. Fortunately I caught it early and reported it. I had a fraud alert put on my credit report. The credit card company sent letters saying this was fraud and shut down the accounts. I filed a dispute with Equifax and the response i got back was the inquiries were " factual ''. Their dispute process is horrible, if its a dispute does anyone look at it? They just send you a form letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My husband and I sent a request to Equifax XX/XX/XXXX, requesting that they investigate errors on our credit report. A few weeks ago, we had to file a complaint with your organization because they took well over 30 days to respond. Equifax recently responded with the results of my husband 's investigation, but I have yet to receive anything from them. It has been two and a half months now, since we sent our original request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I called Equifax and informed them i was a victim of identity theft and provided them with the FTC identity report number and also asked them to remove the items immediately since they are ruining my credit.I also tried uploading supporting documents online but their system is more inadequate then their employees and always give me errors which I know to be incorrect.I contacted all XXXX credit bureau s in the same exact time and so far ONLY XXXX corrected the issues the XXXX and EQUIFAX seem to be helping the defrauders more than the victims.Shame on them!!!!

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 — Information is not mine
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
{$3000.00} legal matter in XXXX county. I 've never been there in my entire life. It 's not me! There 's XXXX of us with the same name in my family. Everytime something happens it somehow falls on me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-23 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I first disputed unverified items on my credit report on XX/XX/2015 with Equifax and mistakenly did not include my SSN card. I sent this certified and via fax. I received a letter on XX/XX/2015 requesting the documentation. I once again sent this information out via fax and certified mail, ( including my ID, SSN card and proof of address ) on XX/XX/2015 and once again received the same letter requesting for my ID, SSN and proof of address to be sent to them. I also received a letter on XX/XX/2015 stating that my fax was illegible, which I take to mean that the picture of ID that was sent was illegible. Unfortunately, pictures do not come through well via fax, which is why I sent everything certified each time. My issue with this is that after I resent everything and they confirmed it was received, they said that my SSN card was not in there. It was and I have proof of this as you can see in the fax that was sent. I also sent a debt validation letter for a bankruptcy on my credit and received a letter on XXXX stating that chapter XXXX bankruptcies stay on file for a specific period of time and to contact the court which posted this. According to my rights afforded to me pursuant to the FCRA, the CRAs are required to provide documentation to validate disputed accounts when I demand it. My written request for this was absolutely dismissed. I am getting the run-around from Equifax regarding my credit report and my rights are being violated. I also received a letter from Equifax stating that further disputes regarding one of my accounts will be ignored and is considered frivolous, although I have disputed this account only once in the passed and received no proof at that time either. I required proof of these accounts or they must be deleted. I am fully ready to take this to court if I must. 

Please see attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
Hello- We were the victims of XXXX and subsequently were awarded money in a lawsuit that the CFPB brought against XXXX for Mishandled loan modifications and delayed short sales. Our case is simple we were working on a loan modification with XXXX XXXX XXXX who our mortgage was with and our credit report shows when the loan servicing was suddenly changed to XXXX XXXX. From there everything went downhill fast. We were told we had two miss payments on the loan to qualify for a loan modification or before they would allow a sale of the home. Because of this several sellers walked away and we had to take a much lower offer. For these reasons and many others listed in the lawsuit. I believe that this account ( XXXX XXXX XXXX ) should be deleted from my Equifax credit report. XXXX XXXX servicing changed names to XXXX XXXX XXXX. So the account on my credit report now shows up as XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: MI

Complaint narrative:
My mortgage servicer was transferred to Seterus from XXXX. XXXX transferred the loan with an error of an outstanding balance that was refunded to XXXX from a tax authority. XXXX corrected their mistake 4 months after the loan was transferred to Seterus. The balance was wired from XXXX to Seterus. Seterus has misapplied payments and I supplied them with a transaction report and letter from XXXX stating when they wired the funds to Seterus. They still have not correct their mistake and refuse to take my payments forcing the home in foreclosure. I have to call every week to dispute the action and they keep postponing a foreclosure. They are trying to take my home for an error they are refusing to correct. I need help or please direct me to who I can file a lawsuit against Seterus to keep my home and asset.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX is on all XXXX credit reports. 
account unknown and unauthorized use of name I want them verify my account by showing original documents

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax still shows that I have defaulted on my federal student loans when, in fact, all of my federal student loans have been successfully consolidated with XXXX. I have documents that can prove that, as well.

Company response to consumer: Closed with explanation