vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-12 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello, my name is XXXX XXXX XXXX XXXX My mother is XXXX XXXX XXXX XXXX Case number : XXXX to assist further to show more details involved on XXXX/XXXX/2015 XXXX and currently of the depth my families IDENTITY THEFT CASE really is. At the time of my mothers unfortunate illegal arrest beginning on the night still in question, Wednesday, XXXX XXXX, XXXX, did not tend to care for anything else but myself, and my XXXX sisters. We missed our mom too much, time flew quickly. No one in our immediate family grew curious of the state our finances were in at that moment until while bills began to get paid for the following month which was XXXX, 2015 starting on XXXX/XXXX/2015 possibly around that time frame only because I understand to pay the rent by or before the XXXX, MY BANK ACCOUNT - CHECKING ANS SAVINGS I had both active and opened for my own personal needs to use with what ever my mother puts in the account for me. I ask for permission before I attempt to use/swipe debit card to purchase anything, only if my mom approves. While my mom was in jail, a woman named XXXX XXXX XXXX, was staying at our residence during the absence of my mother, XXXX XXXX. Not I or my mother gave any type of 'ok ' to use our personal and family funding. She was living their and was supposed to be a live-in Assistance due to my moms XXXX through XXXX XXXX XXXX XXXX an XXXX certified XXXX Employee. Breaking laws of many. Continuing to apply for Loans on-line willing to direct deposit, used my, XXXX XXXX 's banking information for collection of payment. After money deposits were in my Teen-Minor account, XXXX XXXX XXXX, Willingly and unlawfully committed IDENTITY THEFT to me as well as my mother. I was forced to close the checking and savings account shortly after. But it was too late for me and my family because of so much damage she has done and continue to create different types of accounts use our personal and private information for her personal gain. Help us Please with this investigation. My mom and sisters have been under so much stress since the date mentioned. Please call my personal phone : XXXX XXXX XXXX XXXX. I have much to provide to this department to further assist in stopping XXXX XXXX XXXX in IDENTITY THEFT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I recently check my credit report and found that there were several items that were not related to me. This is very unfortunate because the incorrect information has caused me to not qualify for any additional credit. It has also hindered me from my goals of achieving a home. Please remove all unverified inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
My name is. I am writing in regards to the problem I have been experiencing with Seterus, which owns my mortgage. My account loan number is. I moved out of my home on XXXX XXXX, XXXX due to a pending divorce. I returned to the house in XXXX of XXXX to resume residency as my ex wife had moved out. My ex wife did not pay the XXXX or XXXX XXXX mortgage, so I paid the mortgage for XXXX XXXX prior to moving into the house XXXX XXXX, XXXX. I received the statement that said the amount owed was approximately {$10000.00} at the time I moved back in which included the present month 's mortgage, which was {$21.00} .... I made XXXX payments in XXXX and XXXX in XXXX of XXXX to catch up the XXXX missed payments. Although I caught up, they continued to tell me and list that I was behind XXXX more payments. 

I had repeatedly asked the same questions to numerous people on the phone at Seterus and requested paperwork to explain what the remaining balance was after making double payments. I had been quoted various balances over the phone and on paperwork, but no one could tell me what the detailed balance was. I have been told in the past that the balance stemmed from missed payments. I again requested statements from as far back to when Seterus first had the account, but could not find any late payments on record, yet I was paying late charges and my credit rating stated the mortgage was delinquent. I went back and forth with Seterus throughout XXXX to find the missing payments with no accurate statements to show missing payments. However, in the meantime, I was still and currently am paying late charges each month continually since XXXX XXXX. 

I received a letter from Seterus on XXXX XXXX, XXXX after requesting information on the balance again around the middle of XXXX XXXX. The letter I received on XXXX XXXX, XXXX informed me that the balance owed was {$3200.00} ( {$2700.00} was interest and {$490.00} for Property Inspection Costs that I know nothing about. ). There was no mention of the {$4300.00} listed as late payments that was listed on the monthly statement. The paperwork that I have been receiving has conflicting balances of what I owe and why I owe it. They still have not cleared up any late or missed payments. Their records are unclear, newly created and conflicting. I still have no record from them showing missed payments, yet my credit is listed as delinquent and they continue to charge me late fees. In addition, the clerks on the phone are uninformed and no past record or notes are available to them from my many phone conversations and paperwork I had sent to them. I have to continually restate my grievances and request information on why the account is delinquent. Now I have a letter with new bizarre charges. Please help me clear up this mess with Seterus. I have exhausted all my avenues without a successful solution. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
According to the Fair Credit Reporting Act ( FCRA ) the consumer reporting companies role is to review the accuracy and completeness of any dispute by contacting the source ( creditor/s ) and to inform the creditor/s of all relevant information regarding consumer 's dispute. For over one year I have asked why the XXXX XXXX Account is being reported as an adverse account or an account that may be considered negative. The credit agencies have failed to address this very issue. The only responses received from the credit agencies are that the XXXX XXXX account is being reported accurately. 
I have written letters to XXXX XXXX asking why account is being reported as an adverse account or an account that may be considered negative. XXXX XXXX concluded that they have certified that account is reported accurately as open/current with no delinquencies. 
A letter from XXXX XXXX stated that their responsibility to their customers is to report accurate payment history and that they have no control over how the information is interpreted by the credit agencies. 
Why are the credit agencies insist on reporting XXXX XXXX Account as an adverse account or an account that may be considered negative? These credit agencies have yet to address why account is being reported in this manner. Reporting account as an adverse/account that may be considered negative is having a negative impact on credit scores. 
Items found under accounts that may be considered negative include late payments, charged off or sent to collections, bankruptcies, liens and judgments or account that are not necessarily negative, but that a potential creditor might want to review more closely. XXXX XXXX account does not fit any of these categories.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
The information has not been updated on my account. My account says that I have a balance of XXXX dollars owed to XXXX on XXXX XXXX XXXX but I have a paper that shows that my balance owed to them is XXXX. My bill has been paid but yet it has not been showed as paid on your balances on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-01 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The company ignores all requests and simply sends me a letter stating all inquiries are factual. They are factually without my permission or consent and do not fall within any of the listed reasons that someone could pull my report as listed in the fcra Inquiries XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX XXXX, XXXX/XXXX/XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX XXXX XXXX XXXX XXXX This is a fraudulent inquiry. 
Inquiries XXXX BANK XXXX XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX This is a fraudulent inquiry. 
Inquiries XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX This is a fraudulent inquiry. 
Inquiries XXXX : XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX This is a fraudulent inquiry. 
Inquiries XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX, XXXX/XXXX/XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX, XXXX/XXXX/XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX I did not authorize this inquiry. 
Inquiries XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX This is a fraudulent inquiry. 

all fraudulent Revolving Account Number : XXXX FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
On XXXX/XXXX/16 I contacted Equifax via telephone to request a formal dispute of an unauthorized credit inquiry into my personal credit report with Equifax. More specifically, on XXXX/XXXX/16 XXXX XXXX performed an UNAUTHORIZED credit inquiry into my credit score/history with Equifax. On XXXX/XXXX/16 I contacted XXXX XXXX regarding this unauthorized credit inquiry, which has adversely affected my credit score. XXXX had no comments so far on this incident. So I immediately contacted Equifax via telephone and requested a formal dispute of that " hard '' inquiry into my personal credit report. Equifax then sent me an email notification stating that my Equifax dispute had been resolved. However that 's simply a copy of my credit report. I was unable to reach Equifax today ( XXXX/XXXX/16 ) in order to resolve this issue immediately. Equifax 's website is also unclear on how to obtain immediate assistance. Equifax has failed to process my request to remove inaccurate information ( i.e. unauthorized inquiry ) on my credit report as I was promised on a phone call with Equifax 's representative on XXXX/XXXX/16. 
Please also let me know if the Consumer Financial Protection Bureau can initiate a separate investigation into this matter against XXXX XXXX or if I must file a separate complaint against them for performing an unauthorized consumer credit inquiry. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: GA

Complaint narrative:
I filed for bankruptcy XXXX XXXX and it was resolved XXXX XXXX. After the bankruptcy my mortgage from XXXX was given to Seterus XXXX XXXX where I received monthly mortgage bills until XXXX XXXX to which I paid. According to Seterus I stopped receiving mortgage bills because of the bankruptcy. Seterus strongly encouraged me to refinance. I was not approved for a refinance. Between XXXX - XXXX my salary dropped significantly and I fell behind on a payment to which I made up three months later. XXXX XXXX I separated from my job because of medical difficulties. I immediately notified Seterus. They notified me that a modification would work in my situation if I were behind in payments by one and a half months but because I was current they could n't help. I did not pay one and a half months to qualify for the modification. I was denied the modification because I did not have employment although I had savings that I was supporting myself and family. If I were told that not having current income would ALSO deny me for a modification then I would n't have missed the payments to qualify. Seterus told me that it was a common rule not to accept modifications if a person had no current income regardless of savings. They told me that I should continue to pay the mortgage and notify them when I gained employment ( XXXX XXXX ). I did and set up a payment plan to repay the month and a half I was behind. Mind you I still had n't received a mortgage bill so I was not aware of how much was going to my arrears and what was going to fees. Last I checked with Seterus my arrears was down to about {$800.00} in XXXX. My payment is {$1200.00} and I have been paying {$1300.00} since XXXX to continue to pay on my back payment in good faith. XXXX XXXX I paid only {$600.00} on my mortgage due to car maintenance and have every intention of making up the XXXX payment at the end of the month. I received a letter in the mail stating that I owe {$1900.00} in back payments and if I do n't pay in full by XXXX XXXX they will begin foreclosure proceedings. Since my repayment issues ( due to their misguided advice ) I have no idea where my payments toward my arrears are going. Is the {$1900.00} for the XXXX payment + past arrears + XXXX arrears? Their is n't a person handling my bankruptcy account that I can talk or email directly. The telephone number constantly refers me to the web-site that has a tendency not to work by freezing five minutes into searching for information about my account. The customer service line places me on hold for a half hour or more. Seterus is aware of this web page malfunction that 's been happening since XXXX when I unwillingly became a bankruptcy mortgage customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Accessed XXXX & filled out form. Selected Equifax for my credit report ( last requested an Equifax report in XXXX of 2014 ). Equifax site stated I had to request by credit report by mail. I did a bit of research and it appears this is because I placed a freeze on my credit reports after the Target & XXXX card number thefts. Can Equifax limit access to by credit report to a mail request vs on-line?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
I am currently unemployed and live in the state of California. Seterus is the mortgage company that services my loan. The investor on my loan is XXXX and Keep Your Home California ( KYHC ) is making my mortgage payments until I am employed. The escrow portion ( taxes and insurance ) on my mortgage payment went up ( in XXXX 2016 ) which caused the payment to change in XXXX 2016. Seterus was to notify KYHC and advise them of the escrow change and payment change. On XXXX/XXXX/16 I contacted Seterus and spoke with representative about status of loan. My loan is due for XXXX/XXXX/16 and funds in the amount of {$1000.00} for the XXXX 2016 are in suspense. Payment amount is now {$1000.00}. Seterus representative informed me that they do not contact KYHC when there is payment change that I need to do this. I stated mortgage company must contact KYHC when there is payment change. Representative stated they would look into this and call me back XXXX/XXXX/16. I did not receive a call from Seterus. I called Seterus XXXX/XXXX/16 and spoke with Service Lead representative that I received Seterus acceleration letter and did someone from Seterus contact KYHC about payment change. I stated supervisor was suppose to call me back on XXXX/XXXX/16 but I have never received call. He stated supervisors do not call borrowers and stated he was not sure if someone has contacted KYHC. He asked if I had something in writing from XXXX that states payment change process that mortgage company must notify KYHC directly of payment change and for me to email him this info. I stated I would not do this and Seterus must contact XXXX. This person was rude and hung up on me. I am stunned as it seems to me Seterus does not have process in place for payment change when receiving funds on loan from federal funded program. I called KYHC XXXX/XXXX/16 and asked representative if they had received notification from Seterus regarding payment change they stated no. I verified process on payment change with representative and was advised KYHC must receive payment change notification from mortgage company not borrower. I called Seterus again on XXXX/XXXX/16 and requested supervisor but was told I spoke with supervisor on earlier call. I stated I did not speak with supervisor but service team leader. I stated I just spoke with KYHC and they advised me there is nothing from Seterus reqarding payment change notification. Representative stated they will need to check on this and call me back. I stated when will they call me back as they did n't last time. Representative stated they would call back. I also am worried my credit bureau report is being negatively affected which will cause me more problems trying to get a job. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please see attachment of supporting documents/Credit Files showing XXXX XXXX XXXX account # XXXX before and after deletion. Also, please see CFPB previous case # XXXX for additional information. 

Please immediately remove the XXXX XXXX XXXX account # XXXX, which was previously deleted and re-inserted. I 'm also requesting an updated Credit File reflecting the deletion of this re-inserted account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a paying customer for Equifax to their Product to actively monitor my credit report. I was recently trying to refinance in mortgage and cleaning my credit to proceed for refinance. 
On XX/XX/2017 I was able to pull up my credit report, My car leasing account just closed and my credit Fico score when from XXXX to XXXX that day. I pulled up my Equifax Credit report on XX/XX/2017 ... this time ... I had no credit report. All of my creditor and balances showed Zero on everything. I complainted to Equifax rep. who change to membership from Premuim membership of {$19.00} monthly to this other product for XXXX per month. I tried to pull up my Equifax credit report ... still the same ... .no Credit Report history ... like i was erased from the system. I called back to Equifax to file a dispute and was told it would take 30 days to fix the problem. They did acknowledged my credit file was uploaded to a bad file ... or was deleted. I told them ... what if I needed to apply for credit? or refinance my mortgage ... I am on hold because they messed up with my credit report file. She apologized and said there was nothing they can do ... .it will take 30 days to fix their mistake. I am so angry with Equifax ... ... I again pulled up to see if anything had taken placed to fix my missing credit report. Still today XX/XX/2017 ... nothing. I have no Credit report on file with Equifax. I am documentating everything in case I contact a lawyer to file a lawsuit. I think this is so unfar ... that a Credit Agency can hold your Credit Report against you ... removing from their database or deleting it. I still do n't know what happened ... and still in Limbo with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have contacted Equifax on several occasions asking for them to validate that XXXX debts are LEGALLY entered on my credit report. I have personally contacted these XXXX companies and asked them to present me with a contract that states that I owe them money or that I am legally obligated to pay them. Per the Fair Debt Collection Practices Act, 15 U.S. Code 1681, Fair Credit Reporting Act section 623 ( a ) ( 1b ) and section 623 ( b2 ) this company must be able to present a contract between themselves and me in order for them to report on my credit. They have been able to produce no such agreement. They are illegally listing entries on my credit reports. Equifax is complicit in allowing this. Each time I ask Equifax to validate these debts they simply come back as " verified ''. I am not sure how this is as I have contacted these companies personally on multiple occasions asking for proof that I have an agreement to pay them and they have not been able to offer it. What is the method being used to " verify ''? 

These companies are : 1 ) XXXX XXXX - provided a contract from a third party that I could not verify, however there is no agreement between myself and XXXX XXXX. I do not owe them any monies. 
2 ) XXXX XXXX 3 ) XXXX XXXX XXXX There is a fourth company that admitted that they are incorrect in listing an item and in XX/XX/XXXX requested that the credit bureaus remove this entry. However Equifax is still listing it. That company is XXXX XXXX. I was contacted by XXXX XXXX of XXXX in XX/XX/XXXX. She provided me with the AUD control number for deletion ( XXXX ). Both XXXX and XXXX deleted this entry within days. Yet Equifax continues to report this inaccurate information. 

It was advised that I try to have this issue resolved though the mediation of the CFPB before I filed suit in state court seeking remuneration for several things including but not limited to : Violations of the FCRA and defamation of character. I have lost opportunities due to this illegally reported information remaining on my credit profiles.

Company response to consumer: Closed with non-monetary relief