vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I received an email from CFPB that they had reviewed my complaint that I submitted and sent it to the company ( Equifax ) for a response. The company ( Equifax ) was unable to respond to my complaint because they believe that I was a victim of fraud. Also, I have to contact the company ( Equifax ) directly for more information. I have contacted the company ( Equifax ) about this issue. I had the police to do me a report about what happen to my identity. They file an incident report instead of an regular police report. Where I stay, they do an incident report when you come to them and tell them that someone has stolen your SSN #. When I called Equifax, they ask me to fax over the report and I did. The last time I talk to a rep, he stated that I had to get the police to file another report saying " police report '' instead of " incident report ''. To me it should not matter, because it has on the incident report that I reported that someone stole my SSN #. I have called Equifax many times about this and they are not showing an results about deleting the hard inquiries off of my credit report. I feel that they need to have this removed. If the hard inquiries does not get remove then I will have to take legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Equifax has verified twice a judgement on my credit that is not mine. Equifax is the only credit reporting agency that claims to find it and verify it. I have challenged the item twice and asked for their source and proof by validation and they will not respond in kind. I called XXXX County Court house and they have no record of this judgement and they confirmed that they do NOT verify or report to ANY credit reporting agencies. This is keeping me from getting my home loan and causing financial distress. This violates my credit reporting rights. Please investigate and force this to be removed immediately! I have faith they will listen to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax has continually reported the a charged off credit card on my credit report twice. This has been going on for about 5 years. Equifax refuses to fix the situation. My most recent dispute was closed XXXX/XXXX/2015. They claim the account is only on my credit report once. When I check the credit report today it is still being reported TWICE. I only had on credit card with XXXX XXXX XXXX. Thats it. The account number, date opened and balance are all the SAME. I have attached the most recent credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
Seterus, our current mortgage server is trying to pull a fast XXXX on us. We have a fixed rate mortgage at 2.00 % interest, we received a statement this weekend that now suddenly says 3.00 %!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
i was unable to get my credit report from XXXX it was with equfiax in which it lead me to the Equifax website. At that time i had to purchase the Equifax products in which the company was automatically taking funds in the amount of around XXXX out of my account each month without my consent. I contacted the company to stop the transaction but they continued to withdraw money for about 6 months. That happened XX/XX/XXXX. XX/XX/XXXX and XX/XX/XXXX I tried " XXXX again, in which Equifax denied me again and i had to purchase the products of getting my credit report and score in which i was charged again but this time XXXX for 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello, Equifax had put myself and my wife threw XXXX, first off we had a paid subscription on their site as a family plan, for days I was n't able to see my credit report or score, First they tell me I needed to validate myself, then they said there was a problem like i had XXXX credit reports, then im told experian placed a fraud alert well over a month ago, I have been told so many different reason as to why my bank account was charged funds for the reports, scores i was personally treated like garbage due to the fact I had past charge-offs as the XXXX said and that i should be ashamed of my charge offs how dare he he does n't know what happened in my life to have this on me, as i work hard to establish my credit, then he declined me my right of having my score when you dispute something they come back with results within a hour declining the dispute due to my mortgage lender not be able to get a score on me yesterday Equifax charged my score points twice for this inquiry. Hard inquiries are on my report because my son and i have the same name and they want me to get a police report for a simple name error. these people need new training, we as consumers do n't deserve the disrespectfulness we got, its our credit that gives them jobs, I am so angry, and upset over this. they do n't even understand what your explaining to them, and when you write them in the mail and you have confirmation they received it they denied it something needs to be done with EQ. took me over 7 months to have Hard Inquires removed for them to place them all back on when they finally got my credit report up and running yesterday and they will not remove them and told me i have to contact each person again i have done this sent it to them over the 7-12 months proved they were n't mind and now back to square one this is n't right!. i lost an entire days work yesterday due to their inconsiderations I have a -lot more documents if needed I want these inquires off this is n't right. Also they are allowing a paid debt still remain a charge off when i proved it was paid for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The only names I have ever used are as followed ; XXXX XXXX and XXXX XXXX. I never spelled my name ; XXXX or XXXX or XXXX, please remove those names from my credit report. I have never lived in Pennyslvania and I need the XXXX PA address remove from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
A vehicle lease reporting on my credit file was NEVER delinquent but Equifax is reporting XXXX late payments for XX/XX/XXXX and XX/XX/XXXX for XXXX # XXXX. This account was never late and should not contain any status codes. I have requested a reinvestigation to forward me any evidence/ proof and descriptions used to conduct an investigation and yet i have received nothing after each of my disputes and requests. I do not believe a proper investigation was done, these late payments never occurred and the furnishers would agree but they have informed me that no one from Equifax has verified anything with them. Experian and Transition are NOT reporting any late on this account. SO how does equifax have this account reporting this way? illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
i am a victim of identity theft and while I was incarcerated, someone stole my personal information and identity and applied and opened up unauthorized and fraudulent accounts in my name. The following accounts listed on my Equifax credit report is unauthorized and fraudulent : XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, # XXXX, # XXXX, & # XXXXXXXX # XXXX, # XXXX, # XXXX, # XXXX, # XXXX & # XXXX, XXXX # XXXX & # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX falsely reported a late payment on my mortgage after changing my billing in mid bill cycle during an escrow analysis. They increased by mortgage by XXXX in the middle the month and demanded a payment of that amount without my knowledge of the change until the night it was due. I called and they agreed it was a problem and that they would work on readjusting the payment and that this would not affect my credit, they also tried to get me to do loan modifications etc, and refinance while I waited. They adjusted the payment to a mere XXXX my previous payment, which I promptly paid. They then reported me for month that they changed my mortgage as being late even thought they told me they were changing the payment and that this would not happen several times on the phone. I was not interested in waiting around for a refinance, I just wanted to figure out a way to sell the house and get away from it and make my payments on time which I did after they changed the bill. They tried levying insurance on property that I did not need to add extra bills as well. They could never explain the escrow analysis and why they tried to destroy my credit and lied. Equifax did not do a good job of looking at the facts and the evidence. They should immediately remove this. I am not alone, this is a practice that has affected XXXX XXXX customers. I never pay my mortgage late in 10 years. They are predators. Equifax should use due diligence in their investigations and really look at the evidence and payment histories of those that are in question. Mine was stellar. There are XXXX complaints just like mine, not coincidental, I 'm sure.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My whole intire credit file is missing? I had a equafax credit file 9 months ago and my score was a XXXX now the whole file is missing and my score is a XXXX? and XXXX collection account for XXXX to a cable company. I called the cable company gave them my info and ssn and they had no file on me? its not my debt but where is my credit file? What happen to it? and please take that XXXX collection off its not mine and please restore my XXXX credit score and file

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLCConsumer Dispute Center XXXX XXXX XXXX, PA XXXX XXXX Account Number Num : XXXX Balance {$110.00} Dear XXXX, I am writing in regards XXXX account on my credit report. On XXXX/XXXX/XXXX I have file a complain to the CFPB I sent a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, XXXX XXXX XXXX, Section XXXX ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my XXXX, the Federal Trade Commission and the national XXXX. 

XXXX XXXX

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 2015-12-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
they re fuse to re move new York state of my credit report .that act ben pay off long time a go and they stil re porting it as I hold yhem money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I submitted a dispute and verification request stating various FCRA laws supporting my dispute. The response I received back from Equifax really had nothing to do with my dispute letter at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have requested the removal of a Chapter XXXX Bankruptcy on my credit report. The credit bureau indicates that the information was verified and validated. I asked for proof of the information. Proof was not provided and was only advised that it was provided by XXXX. I disputed the validity of the information after contacting XXXX and was informed that information was NOT provided to credit bureau. I again requested credit bureau to delete information and have not received response and it has been excess of 60

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
We have our house on short sale SPS is the servicer. I have 5 letters that say we could receive up to {$10000.00} in relocation assistance and have had XXXX or XXXX recorded conversations with SPS. Finally they have accepted an offer. I ask about the Relocation assistance and they now say I wo n't get it. When I ask why they say because I am not eligible. I ask why? all they say is if you do n't sign the papers as is then they will just forclose. When I talked to someone yesterday I ask if I could get it in writing that they say I am not eligible. As it is all I have in writing says I get it, and without A letter from them that says they are the ones that refuse the relocation money it would appear that I just signed off. All I ask was some proof in writing from them that I am not eligible. They flatly refused to give me anything in writing. That makes me think they are trying to hide something. The mortgage business is nothing more than paperwork, nothing is done word of mouth. 
If I do n't get the money OK I do want something in writing from SPS for my own protection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: MS

Complaint narrative:
XX/XX/XXXXIn XX/XX/XXXX, After the economy sent our business in a downward spiral, although I really did n't want to, we had to attempt a loan modification. Our loan was sold to XXXX then to NationStar. XXXX DID put us on a trial basis for a loan modification, asking for XXXX payments before approval. When it was time to send the XXXX payment, they sold the loan without notice and the payment was returned therefore, NationStar said they did n't get that money in time to qualify for a loan modification. Also, Nation Star said there was no escrow which was indicated on XXXX 's loan paperwork. They said they had no idea about this matter and that money was in XXXX 's hands. Every time I attempted to call NationStar ( it always took XXXX calls to finally get someone ) for information and payment arrangements, I was given a different representative. Many times the person I spoke with was degrading and rude when I would ask for a look back at the last phone conversation. The response was " we do n't keep records of the last phone call ''. This happened many, many times. No one would help us get a modification. We did fill out at least XXXX loan packets and each time something was missing - not in reality, but I can promise you we had everything in ALL the packets. 
It was as if there was a scam going on. Because I could not afford the time or money, I reached out to my Congressman and the Attorney General 's office for assistance. I did not get any answers but they did take my information and said they had many complaints from these companies. It was a joke to them but in XX/XX/XXXX, the home we built on XXXX acres of near our family and lived in for 15 years, was foreclosed by Nation Star - losing our home was devastation and heartbreak. The only thing that stands between us and starting over, are the names of these crooks on our credit report! 
My only request is not money or a lawsuit, but to have XXXX AND NATIONSTAR do what is right and take the foreclosure OFF all three credit reporting agencies. They TOTALLY messed around with us. In my heart I no one ever planned to help us get a loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: KY

Complaint narrative:
homeowner was delinquent on their loan and were protected by a C XXXX homeowners did not understand the XXXX process, they paid the XXXX plan payment but did not make their regular payments outside the XXXX plan to their lender. during this time the lender did not seek relief and allowed the homeowner to complete the XXXX plan. In XX/XX/XXXX we asked for a modification and SELECT PORTFOLIO SERVICING sent a packet and agreed to look at the client 's financial for a modification review. from XX/XX/XXXX through XX/XX/XXXX we have submitted, resubmitted the same documents over and over and have answered the same questions again and again. the client has enough verifiable income to modify the loan. SPS has been dragging their feet and lying to the client and to the housing counselor on a monthly basis. this is clearly servicer abuse and ignorance on the lender 's part. I know that they are reading from a screen and saying a lot of XXXX because they can not answer any questions about the underwriting process. we have been trying to negotiate with them for 9 months. we were told since XXXX that the modification was in underwriting then they would ask for updated information we would update them with the information and then they would punish the borrower by saying that the process was starting all over again. that 's just wrong. the lender is accepting monthly payments but keeping us in a holding pattern on the delinquency. need some action cfpb!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
I do have a Mortgage with NationStar Mortgage. After having them modified the loan in XXXX 2013 where I started making payment. On XX/XX/XXXX of the same year I have my XX/XX/XXXX payment returned. When I contacted them, they informed me it was because the mortgage went up and my payment was not sufficient to pay the new mortgage amount. I have never received any letter telling any thing about me that. Since then, the account is a mess and they have no desire to fix event though I made several request for that. Now I am afraid because I do not know when they will come and kick me and my family out of the house. To finish with this situation and have, my family and I, peace of mind, I decided to sell the house. It is at this point that I was informed that I have second mortgage on the house which I have never requested and know about it. Even if I sell the house for the amount of {$290000.00} I can not pay off the loan that was originally for about {$180000.00}. I like my house and it is the only one I have to live with my XXXX ( XXXX ) kids. I need help to solve this situation that last too long due to a miscommunication on the part of the lender. I did all I can but with no solution because the Mortgage Company does not want to find a solution even though I can pay for my mortgage. I work so does my husband. And with both income we can easily make our monthly payment, but NationStar Mortgage refuse all my proposition for solution. 
I have more to say about this Mortgage Company, but I save them for later.

Company response to consumer: Closed with explanation