vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX {$480.00} Account was not verified as according to law ; no documents were sent. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that the credit reporting agency disclose to me all of the documents that have been recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. It was responded to my request saying that these accounts have been verified. There were no copies of the documents that the credit agency has in their files sent to me. 
You do not have any documentation in your files to verify the accuracy of the disputed account, please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, the credit agency was unable to provide me with a copy of the verifiable proof that for the account listed below within 30 days of XXXX/XXXX/2016 please remove accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
When I apply for credit and receive a " Risk-Based Pricing Notice '', the notice describes " Key factors that adversely affected your credit score '' with Equifax as the source. From more than one bank, these key factors are claimed to be : " Serious delinquency, Number of accounts with delinquency, Too many consumer finance company accounts, Too many inquiries in the last 12 months '' So, I go to Equifax and obtain my credit report to dispute these things, however the credit report I obtain from Equifax contains absolutely no delinquencies or any other negative information whatsoever. I have also never had a " consumer finance company account ''. I am not 100 % sure what that actually means even after researching the phrase, but I have only ever had student loans and an auto loan, so I do not believe I have ever had any " consumer finance company accounts ''. 

The main difficulty is that Equifax is reporting this erroneous information to banks when they pull my credit report, but when I pull my own credit report it is impossible for me to dispute these errors because I seem to be receiving a different report than the ones the banks are receiving. The one Equifax provides me is correct, while Equifax is providing a different, more negative report to the banks. 

I might think that this was an error done on the part of the banks, but it has happened more than once from different banks using Equifax as a source, several months apart. I attempted to contact Equifax for help online or by phone, but they have no way of speaking with a human about this issue, everything is automated and only allows me to dispute information I can see. I can not dispute these strange errors that only the banks are apparently given.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo Mortgage contacted me regarding an escrow overagecaused by non-payment of real estate taxes. I notified them that thepayments should be spread out in the next 12 months. I am male. Theco-borrower contacted the lender and spread it out for 60 months. Icontacted them and stated that this was not what I requested. Thelender stated that it could be changed verbally by either party. I said tochange it back. They stated they would. They called today to state thatthey would not. The lender stated they did not want to be involved. Istated they already were by spreading it to 60 months. The lenderrefused to change it back. So, it would appear the female co-borrowerhas the right to change my decision, but the male primary whose incomethe mortgage is based on has less rights on my own mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: OR

Complaint narrative:
This is a complaint against Nationstar Mortgage for failing to comply with the Deed of Trust, not releasing phone transcripts as requested, and poor business practices by failing to contact me about my concerns as promised within the time allotted by them. 

I called Nationstar Mortgage on XXXX/XXXX/17 at XXXX Pacific time, to confirm that the money above my previous monthly bills have gone toward my principal pay down. The rep stated that they had NOT been, but instead, I was on a " PLAN '' that held them toward future months payments. I had asked why I was on the plan or who put me on the plan. He could not answer that. As of that date he then changed my " PLAN '' toward paying down the principal. I requested a manager call me back with an answer. He said it would take 5 business days. As of now XXXX/XXXX/17 XXXX Pacific, I have not heard back either by phone or email. I also requested a transcript of out phone conversation. The rep said there is NO WAY of doing that. After probing, I insisted that IT IS possible through the consumer relations dept. He then gave me an email to contact them, which I requested the transcript, and still have not heard back yet about a description, answer, or resolution. 
In my Deed of Trust attached below on page XXXX section XXXX it states the order priority of payments. ( a ) Interest due under the note ( b ) Principal due under the note ( c ) amounts due under section XXXX ie. Funds for Escrow Items. Such payments shall be applied to each Periodic Payment in the order which it became due. ANY REMAINING AMOUNTS SHALL BE FIRST APPLIED FIRST TO LATE CHARGES, ( there are none ), SECOND TO ANY OTHER AMOUNTS DUE UNDER THIS SECURITY INSTRUMENT, AND THEN TO REDUCE THE PRINCIPAL BALANCE OF THE NOTE. 
To my knowledge, Nowhere in that section does it say there are separate " PLANS '' of payment, or who chooses those " PLANS ''. 

I am very frustrated with Nationstar Mortgage breaking the law, and ask that you investigate on my behalf since they are failing to answer and comply with simple requests. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There is an address on my equifax credit report where I have NEVER lived. 
How can I find out why this address is on my report?? 
It is a XXXX Illinois address and I have NEVER lived in XXXX Illinos or Illinois. 
Hope to hear something soon??? 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
Seterus is my mortgage service. My bankruptcy was final XXXX XXXX, 2014. It was a Chapter XXXX bankruptcy. The mortgage was outside the bankruptcy. Seterus has not been reporting my mortgage to the credit agencies since they have been servicing the loan. They started servicing nearly 7 years ago. They now say I must re-affirm the loan. My bankruptcy attorney says that is not true, that they should have been reporting the loan all along. 
I am securing a refinance of my home and it is not possible while Seterus continues not to report the mortgage to the credit bureaus. Please " encourage '' Seterus to report the loan ASAP. 

You handled another complaint I filed on Seterus ( Case number : XXXX ) Thank-you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NM

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

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I applied for a loan at my local credit union ( RBCU ) in MN. They provided me with a standard Equifax credit report. XXXX notified me that my name was under collections with XXXX XXXX ( {$120.00} ). I have never used century link in my life. I spoke with XXXX XXXX XXXX XXXX. They were unable to find ANY sort of credentials in their system. ( Again, i have NEVER used their services. ) They mentioned I would have to contact the collections agency from XXXX. Due to the fact that I have never used services with them, I could not provide an account number, nor a collections agency name.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a fraud alert on my credit bureaus. I applied for XXXX and XXXX XXXX. Both use XXXX XXXX. I received letters from XXXX XXXX referencing both accounts and I had to called them. They verified all the information with me and I thought everything was solved. d. Today I revieved a letters from XXXX XXXX saying they could n't verifiy with Equifax. on both XXXX and XXXX XXXX. Equifax is more than aware of my identiy. Ihave faxed and mailed my SS card and my drivers license. ( that complaint you will be receiving also ) Can someone help me withg getting all of my information correct with Equifax?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX, DE XXXX Re : Unauthorized Credit Inquiry I recently received a copy of my Equifax credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing on XX/XX/2015. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 

Thanking you in advance, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Contacted XXXX ( XXXX XXXX XXXX ) and they state they " can not locate a customer with the above referenced name, address or account number in our system ''. If they have no record of me owing them a debt why is it on my credit? How do I get it removed?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I received an alert from my credit monitoring service that I had an account placed in collections, which I knew was inaccurate because I have no accounts which are delinquent. I contacted the collection agency about the alleged debt, and they refused to advise who the original creditor was, so I sent them a dispute of debt validity via certified mail. After that, I disputed the information with one of the other credit bureaus, which, after reviewing the information, agreed to remove it and promptly did so within XXXX hours of my contacting them. 

Equifax, however, has refused to remove this information, despite the fact that after repeated contact with the collection agency, I discovered who the alleged original creditor was, and they even confirmed that this alleged debt ( from XXXX and a XXXX years ago ) did not exist and that they did in fact NOT send it to collections. 

This information needs to be removed immediately and I have disputed it twice now with Equifax to no avail, despite the other CRAs acknowledging this information is indeed erroneous.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax - reporting incorrect information. Sent proof that balance they are showing is incorrect from collection company Making payments directly to original medical billing per their agreement to do so, not the collection agency. Sent proof, including statements, cancelled checks that payments are being made directly to medical company. Equifax stated investigation all will remain the same even though all information is incorrect and proof was sent stating such.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Both last year and this year, Equifax refused to generate a credit report online and wanted me to fill out a form and send sensitive information through the mail. Last year, they generated the report online after several days of trying. Since it happened two years in a row, I think this is just a scam to avoid their legal obligation to generate the credit report. 
I want to report Equifax for illegally throwing up a barrier to avoid their legal obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I filed a dispute regarding some deliquencies reported on my credit report by my student loan XXXX where I was granted a forbearance prior to the date of the delinquencies through a date after the delinquencies, and requested that my information be updated pursuant to FCRA 623a2B stating that Information must be updated as it becomes available! I sent the information in and the credit reporting agency did not update my information or investigate the information with the creditor and have them verify or respond to the updated information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
YOu still have not read the court order that You MUST delete the Bankruptcy in the state of VA ARE you reading????? 

I address the inquires and TOLD YOU AGAIN THE COMPANIES DO NOT RESPOND!!! WHEN THEY DO RESPOND THEY TELL ME THE SAME THINGS YOU DO. YOU POINT THE FINGER AT THEM THEY POINT IT AT YOU. NOTHING GETS DELETED!!!!! i NEED THIS SOLVED!!!!!! 

this IS NOT SOLVED I GET THE SAME XXXX ALL THE TIME. THIS IS why YOU GUYS GET SUITED. DO IT HAVE TO DO THE SAME???? 


i give you everything you ask for!!!!!!! and I still verified!!!! if you have a problem contact the companies that accessed your report. I have done that and they go who are you again??? send us more info!!! send us your picture id done that. send us your diver ID done that, we can find you contact the the credit report agency they placed the inquire on your report not our problem. I ask them remove it .... we ca n't find any record of you ... contact the credit report agency. i do that and you go verified!!!!! 


I need this deleted this is why need people to see this so many poepl have the same problems From XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX 1. 
The credit Bureau will not correct my address I have sent over 10 letters to have my address corrected and still it has not been done. All I GET IS VERIFIED AND THEY OPEN A FRAUD ALERT JUST TO CHANGE AN ADDRESS. THIS IS NOT THE PROCESS. 
2. 
I have sent over 10 letters to all the inquire COMPANIES on my credit report to have them REMOVED and get no reply from the creditors. All I get from the credit bureaus is VERIFIED AND THEY OPEN A FRAUAD ALERT. I have informed the credit bureaus.. I get no reply and they ignore me and open a fraud alert. 
3. 
By court order the bankruptcy and all accounts in the bankruptcy are to be removed from my report IN the state of VA because the credit companies did not do a good job at investigating the inaccurate info on the bankruptcy and READ them. They opened a fraud alert. 
4. 
The answers for anything is open a fraud alert not do the work of removing inaccurate info. 
5. 
This is what needs to be done 6. 
a. remove all fraud alters 7. 
b. remove ALL inquires I have not applied for credit DO N'T SAY VERIFIED!!!!!! 
8. 
c. remove bankruptcy per the order and all accounts in bankruptcy from my credit report I called and the woman on the phone at your credit agency did not believe i was who I said i was but told me to call.!!!!!!!!! 

I need this resolved!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
Seterus, Inc. has failed to remit my {$1500.00} escrow reimbursement within the 30 day post loan payoff period required by law. This is my second filing of a complaint against Seterus with the CFPB as your records will show that I have had other problems with this incredibly inept company. I paid the loan off on XX/XX/XXXX and have not received my check and it is now XX/XX/XXXX and I have had several phone calls with Seterus trying to get my money. They claimed they mailed a check on XX/XX/XXXX but I do not believe them as I have not received a check.Seterus should be fined and penalized for its incompetence and law breaking. XXXX should be alerted to its misconduct and should cancel its servicing agreement with Seterus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-16 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 inquiries on my file that do not belong to be- XXXX, XXXX XXXX XXXX , XXXX, XXXX, XXXX, XXXX and 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 — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This item is wrong and inaccurately reported on my report for a while now under different names, first started as XXXX XXXX XXXX, and now it 's listed as XXXX. 
I 've contacted Equifax in writing and requested a permanent removal to this item since it does n't belong to me, the mailed me back that the item remains and they did n't include any proof to support their investigation or any proofs pairing signature that the item belongs to me. 
so, I contacted them again in writing requesting from them to provide a solid proof pairing my signature as proof of my ownership to this account, yet the failed to provide anything or documentation pairing my signature and they still stated the item remains on my report. 
XXXX XXXX XXXX wo n't give me any answers or access to learn about the account since it 's not mine. 
I 'm writing to CFPB today requesting to press a serious action against Equifax for their incompliance and violation of the FCRA, unless they are willfully give a fair investigation to this matter, provide any documentation pairing my signature or solid legal proof to my ownership to this account, and if they are n't able to provide any of the above then they should permanently delete this item off of my report with no reinsertion even if the same debt comes back with different entity collection. 

the collection or debt info is : collection agency : XXXX original Lender : XXXX XXXX XXXX balance : {$400.00}

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

Complaint narrative:
Im a victim of title fraud XXXX XXXX made the title claim and told me not to pay the mortgage and they will not report any negative enclosed is a copy of the title claim

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Equifax has failed to validate a debt that i request validation nor have they sent me proof of such verification. Furthermore XXXX XXXX is asking me to send them information in order so they can process the dispute.So far this account is unverified and must be deleted.How can Equifax validate this debt when XXXX XXXX is asking me for information

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Hello. I am in the process of clearing up all inaccurate and wrong information on my credit reports. 44 Days ago I send a certified letter ( copies saved ) that requested Corrected information and PROOF of any errors they are not removing from my personal credit report. I have not received anything, no reports, no credit file or questions. I sent this with proper ID proof and a detailed letter and account numbers. They have in the past kept false reporting on my report that are not even mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-26 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Ordered a report for a loan app on XXXX XXXX, have been billed since for monthly tracking report. I cancelled by calling XXXX number, rep tried to talk me into keeping the service AND adding other security services. XXXX now claims they have no record of my call. Very convenient. I want a refund for all the months they have billed me.

Company response to consumer: Closed with explanation