vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-02 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: KY

Complaint narrative:
I contacted Seterus Inc XX/XX/XXXX by email. I explained I was told I had a 60 day late payment on my mortgage history when I applied for a preapproval to buy a new home. I explained that I could not have been 60 days late in XXXX because I had sold the house and paid it in full on XX/XX/XXXX. I fully expected this was an easy fix. I emailed them on XX/XX/XXXX and attached to my letter was the closing statement showing the mortgage with them was paid in full XX/XX/XXXX. I also attached the credit report showing the mortgage was marked 60 days late XXXX. I am writing to you today on XX/XX/XXXX and my credit report is still not fixed. I called them almost one month ago now to say I never received a response. The girl on the phone told me the letter went to the wrong address. I ask if she could read the letter to me from the computer she said the letter said everything was reported correctly. I ask to speak to a supervisor. After one hour on the phone the supervisor agreed she could see where the mortgage payment for XXXX could not have been 60 days late. She said she would have a soft credit pulled and have it fixed. I was on my cell phone and got cut off. I called back in a few minutes not having the supervisors name the girl on the phone looked up my old account and said there were no notes in my file. I said could you please put my phone number in the Computer to make sure they have it fully anticipating the supervisor would call back because she said she would. XXXX I called back again and went through the whole story with another person XXXX XXXX. She apologized and told me I needed to write the 3 credit bureaus to have it corrected. I explained I know that process and it would require up to a 90 day wait.. I explained after All the time I had waited it would be much simpler and easy for Seterus to make it right they were the ones who reported it incorrectly. She said they could n't do it. I am writing this complaint for others also. I am a XXXX and this is NOT the first time this has happened. I did a loan for someone with a very similar situation last fall. I had to order a credit supplement which XXXX had to pay for. The underwriter turned he loan application down initially because of the recent late. The credit supplement XXXX ordered showed they were incorrect which helped him get the loan but did not fix his credit report. It is not fair the attitude they have. Everyone I spoke even including the letter I received takes no ownership in have to live in my son 's small apartment till I can get this fixed. I have to store my furniture. Please if you can get through to them for all the people like me who just want fair credit reporting can you help us. I am happy to pro idea the other name of my loan applicant if you need it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX The inquires are not a factual report of access to my credit report, it was placed on my credit report my mistake. I have contacted the companies and they do n't know who I am. 

These are mistakes look at how may inquires there are IT IS INSANE TO THINK THAT SOME ONE WITH MY GOOD CREDIT WOULD DESTROY IT LIKE THIS ... .THINK ABOUT IT????? 
REMOVE THE INQUIRES DO NOT USE THE e-OSCAR system give this call to a supervisor TO REMOVE THE INQUIRES PER THE FCRA SHOW HOW THE INVESTIGATION WAS DONE DO NOT PLACE A FRAUD ALERT ON MY CREDIT PROFILE!!!!!!!! 
DELETE XXXX DELETE XXXX DELETE XXXX XXXX DELETE XXXX THEY DOD NOT KNOW WHO I AM AND HAVE NOTHING TO SHOW I APPLIED FOR CREDIT. I DID N OT APPLY FOR CREDIT!!!! 
EQUIFAX GAVE THEM ACCES TO MY CREDIT NOT ME!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
A credit card was placed for collections with XXXX XXXX XXXX. The matter was set for a hearing in XXXX County Circuit Court ( Case # XXXX ). Prior to the hearing, I contacted XXXX and we reached a settlement in the amount of {$750.00}. Two payments were to be deducted from my account on XXXX XXXX and XXXX XXXX, 2016. XXXX agreed to dismiss the case pursuant to the settlement. The payments were made and the case was not dismissed. I filed a motion to vacate the judgment. I also contacted XXXX and was advised that the attorney handling the case had made notations in the file that the case had been settled. My credit score has dropped with all three bureaus because the public record of a judgment has been reported. I also moved and now will have to travel 2 1/2 hours for a hearing that is unnecessary. I have fulfilled my end of the settlement terms and XXXX has breached the settlement agreement to my detriment. I am pretty sure that I was denied an apartment w/o a co-signer as well as may have my pending refinance application for my vehicle denied because of the erroneous reporting of the public record.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
Equifax and XXXX are reporting an installment account with XXXX XXXX as a Joint contractual liability, I do not know what this account is nor did I ever sign any documentation with this company. I have disputed it several times and as you can see the credit reporting agencies just writes in the comments " customer disputes but resolved '' this issue was never resolved? I received no validation documentation of what this is nor where my signature is nor that this account belongs to me, as it does not. If no proper support has been provided to the Credit Agency this accounts needs deleted from my account. Please see account comments listed on XXXX Equifax and XXXX as a result of my disputes. Again, I received no validation documentation and have no clue how either company validated this debt as I have never heard of this company nor had any joint contractual liability in that time frame.

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: Seterus, Inc.
State: KY

Complaint narrative:
Seterus refuses to send me my loan payoff in a timely fasion, I ordered it on the XXXX, and over 7 days later I do n't have it, they are telling me another 24-48 hours. they wo n't connect me to anyone that can help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I 've filed multiple disputes stating I was not at the bankruptcy office when this was filed in my name. Equifax has ignored this request multiple times. XXXX XXXX and XXXX have both verified that the items were indeed fraud and removed them from my credit file. Equifax continues to state they are mine based on " verified '' information. Which is information that has been stolen therefore ; Equifax is only matching my information to another database. As of last week, Equifax has now changed the dates for the date the bankruptcy was filed ( from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX ) and the date that it was discharged ( from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. ) THIS IS ILLEGAL!!!! Equifax is purposely changing the dates because as I stated in my Civil Suit against them, I can prove that I was at the airport at the time that it was filed. THIS BANKRUPTCY NEEDS TO BE DELETED TODAY! My attorney has been made aware of this new fraudulent practice by Equifax and we will act accordingly. I know my rights under the FCRA and I will be pursuing them against Equifax to the fullest extent of the law. 

I have attached the information that they are changing. 

DELETE THESE ITEMS FROM MY CREDIT REPORT. THEY ARE NOT MINE. I DID NOT OPEN THEM NOR DID I AUTHORIZE ANYONE ELSE TO DO SO.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: CORELOGIC INC
State: DC

Complaint narrative:
An apartment complex that I was applying to uses CoreLogic to check the credit history of potential lessees. When I applied to the building, I was told that my application had been rejected due to an issue with my credit history. I immediately contacted CoreLogic to see what the exact issue was, and was told it had to do with a debt owed to a debt collector called XXXX XXXX. When I contacted XXXX XXXX myself, they told me that they had no record of such a debt, and that they had not provided information about a debt to any credit reporting agency. I obtained a letter from XXXX XXXX stating as such, and provided that letter to CoreLogic. CoreLogic has since deleted the false information from my record, however they will not tell me where they got the false information from in the first place, other than to tell me they got it from XXXX XXXX XXXX, a company whose " Contact Us '' page on its website links directly back to CoreLogic. I want to ensure that this false information does not exist in the records of any other company, however I can not do so if I do not know which other company to contact. I am also concerned with CoreLogic 's failure to reasonably ensure that the information it receives and disseminates is correct. While I understand that mistakes are made, it concerns me that CoreLogic had information supposedly from XXXX XXXX that XXXX XXXX knew absolutely nothing about. There should be some responsibility on CoreLogic to ensure that it is getting information from a reliable source before potentially damaging a consumer 's credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Common Wealth Mortgage Services
State: TX

Complaint narrative:
To whom it may concern, my mortgage is due on the XXXX of each month but I have a grace period of to the XXXX of the month. Intercap Lending Inc has me late on my credit report which is affecting me from being able to refinance with the company I wish to. In XXXX 2016 I had a hardship and my church paid my mortgage and the check cleared on XXXX XXXX. I have also never been 30 days past due for them to place this on my credit report. I believe this is in retaliation because I advise them to take my ex-husband off my deed and when doing so they stated I would have to refinance. Although I told them my divorce decree shows that I have been rewarded my home they stated that I would have to refinance. I am asking that they remove all negative late marks on my credit report immediately so I can refinance with another company. If they are stating that I have been past due over 30 days they should also be able to supply proof in which they received payment from me and my payments cleared.

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 2017-03-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I applied for a car Loan on XX/XX/XXXX and my credit file was blocked, was not provided to the dealership, however other credit reports where provided by others. You provided information that my file had insufficient information. I filed a dispute. You stated " Equifax has reviewed your complaint and its records regarding your dispute. You had a security freeze place on your credit file XX/XX/XXXX and you requested it to be deactivated on XX/XX/XXXX. If the dealership tried to accessed your file it was blocked at that time. A copy of your Equifax credit file has been mailed to the address listed on your file ; please allow 7-10 days for delivery. Please visit us at www.Equifax.com/personal to learn more. " However you are ignoring the fact that you said the freeze was removed, but it was in place on XX/XX/XXXX. Why did you refuse to provide my credit report? There was no freeze per your own account above. I have full copies of your response to the inquires. They do not say a freeze they say insufficient information, Since you will not respond here and are still blocking my report, I assume, but will pay someone today. I guess the next step is a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: NY

Complaint narrative:
On XXXX/XXXX/16 a loan modification package was submitted. 
On XXXX/XXXX/16 a call was placed to check if anything else was needed. The XXXX form needed to be updated and it was submitted the same day. 
On XXXX/XXXX/16 a call was placed to check if anything else was needed. The XXXX form previously submitted had not been reviewed. " A message was sent for the documents to be reviewed. '' At this point, Seterus had a complete package. 
On XXXX/XXXX/16 another call was placed to check on the status. No update and sale date still on. " A message was to the escalation department. '' On XXXX/XXXX/16 sale date still on, no update, no additional documents needed. 
Should n't they at least postpone the sale date if they have a complete package? Are they going to review the package for a loan modification while they are trying to foreclose at the same time?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Date : XX/XX/XXXX To Whom It May Concern : XXXX XXXX Equifax XXXX, GA XXXX Please take notice on this date, the nature of this letter is to request the removal of the fraud alert on my personal credit reports. As you will see bellow, my correct identification information for your records : XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX, FL XXXX I have also included the following minimum two ( 2 ) proofs of my current mailing address Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There is a XXXX collection listed on my credit file, I have not had this company for 8 years. I have disputed with Equifax and they have never investigated

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
In XX/XX/XXXX I entered into a legally binding Modification Agreement with Seterus Inc., the servicer of my mortgage. On XX/XX/XXXX I was told by Seterus Inc. that I did not make the three trial payments required before accepting the Modification Agreement, although I had made each payment on time. On XX/XX/XXXX I received a letter from Seterus Inc. XXXX XXXX XXXX XXXX reiterating that I did not complete the trial payment period, therefore, the Modification Agreement had been revoked. I immediately sent proof of each payment ( 3 ), including the first Modification Agreement installment XXXX 4th payment ) for the month of XX/XX/XXXX. I made the first payment of the new agreement in hopes of Seterus Inc. quickly realizing their mistake, making the necessary adjustments to the new loan amount and sending a new Modification Agreement. I sent the second Modification Agreement payment in XX/XX/XXXX only to have the payment return for reason stated, " Failure to sign and return the Modification Agreement ''. Again, I received notice on XX/XX/XXXX that the Modification Agreement had been revoked for failing the trial period. On XX/XX/XXXX I received a letter from Seterus Inc. XXXX XXXX XXXX XXXX apologizing for the false claim ( letter of XX/XX/XXXX ) that I had failed the trial period. XXXX XXXX acknowledged the three trial period payments being received but did not recognize the payment made in XX/XX/XXXX as the first installment of the new loan agreement. XXXX XXXX began requesting the now revoked Modification Agreement to be signed and sent with payments beginning with XX/XX/XXXX. Since then, I have requested from Seterus Inc. XXXX XXXX XXXX XXXX on numerous occasions, an updated Modification Agreement acknowledging the first installment being paid in XX/XX/XXXX. Seterus Inc. has refused to send a revised Modification Agreement, continuing to request the signed Modification Agreement issued back in XX/XX/XXXX, and payments beginning with XX/XX/XXXX. I finally, signed and returned the now seven month old, revoked Modification Agreement and again requested confirmation of payments due, stating, again, that I have already made the first installment due XX/XX/XXXX. On XX/XX/XXXX Seterus Inc. XXXX XXXX XXXX XXXX acknowledged receiving the signed Modification Agreement but continues to demand the XX/XX/XXXX payment of which was received and deposited by Seterus Inc. on XX/XX/XXXX I believe this to be a deliberate attempt to prolong the service fees Seterus Inc. collects for servicing a loan threatened with foreclosure. It is beyond comprehension that, at this point, this is an oversight or miscommunication of some sort.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Every year, since XXXX I have reported Equifax to XXXX for failure to provide consumers with their free credit report. I go online to get my free annual credit report from the XXXX agencies. For the past 4 years, Equifax is the only one that has refused to provide me with my free online copy of my credit report claiming, Online Delivery Is Unavailable and I need to submit a mail in request. They then forward the consumer to a link, where you have to pay {$4.00} for a limited version of your free credit report. Every year Equifax is committing fraud by putting questions in their system that does not apply to my credit history. All of the questions I am asked to verify my identity, Equifax is deliberately asking me questions that are not in my credit history. I did a print screen of the questions : telling me I have an auto loan, how much is they monthly payment and an installment account opened in XXXX. Problem is, I have not owned a car since XXXX and have not opened an installment account/personal loan since XXXX. While other questions pertain to a state that I never lived in. After contacting them, they sent me a link that does not work to make it seem like they are trying to help. Clearly, Equifax has a significant amount of erroneous information on my credit report, because my credit score with them is below XXXX, while my score with the other XXXX agencies are the high XXXX 's. When I disputed incorrect information on my Equifax report in XXXX, not only did they not want to investigate the errors and make the corrections, the following year XXXX to XXXX, I have been blocked by Equifax from receiving my free annual credit report from their agency. I was sent several emails with the same link that did not connect me to Equifax or XXXX to get a copy of my free credit report. I have filed a complaint with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Addresses showing in XXXX and XXXX and I have never lived anywhere but XXXX until I moved to XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX erroneously reported a debt to XXXX XXXX XXXX that I paid immediately in full on XXXX XXXX, 2012 when service was cancelled. I called XXXX numerous times, but kept getting referred to an automated number. XXXX also refuses to remove this inaccuracy with proof of original receipt. ;

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am still having a problem with Equifax in XXXX. They continue to send mail to an old address of mine in XXXX, XXXX, even though I have not lived there since XXXX. Of all the credit reporting bureaus, I find Equifax the most difficult to deal with. 
In the spring of XXXX, I discovered I was the victim of major identity theft. I contacted the XXXX main credit reporting bureaus to place fraud alerts and security freezes. I found out that the identity thieves were using XXXX addresses to open up fraudulent accounts using my personal information : XXXX, my old apartment address in XXXX, XXXX, and XXXX, a phony XXXX in XXXX, XXXX. 
The Equifax Security Freeze Department continues to send mail to my old XXXX, XXXX address, even though I have told Equifax REPEATEDLY that I have lived in XXXX, XXXX since XXXX. 
I gave Equifax copies of my XXXX, XXXX utility bills, SSN, and other personal information to confirm my identity in the spring of XXXX. I also provided a letter from my former landlord in XXXX, XXXX, stating that I had not lived there for 8 years. 
Yet, on XXXX, I received yet another " change of address '' letter from Equifax. If I call the Equifax Security Freeze department phone number that is on the letter, they will not talk to me, as I do not have an " Equifax Security Freeze number. '' Equifax never gave me a security freeze number ... I reviewed all of my correspondence with that company, and a number was never provided. 
Online sleuthing and additional reports indicate that XXXX of the identity thieves, a male, lives in my old XXXX, XXXX apartment. This thief used my personal information to open up several fraudulent accounts, including a home mortgage loan, an auto loan, bank credit cards, and a personal installment loan. 
I am going to ask Equifax , ONE MORE TIME, to stop sending my personal mail and personal credit reports, to XXXX, XXXX My son is contacting law enforcement on my behalf, in hopes that the XXXX identity thief will be arrested. In the meantime, I need Equifax TO PROTECT MY PERSONAL INFORMATION, AND TO STOP SHARING MY PERSONAL CREDIT REPORT WITH OTHERS! I NEED EQUIFAX TO STOP MAILING EQUIFAX LETTERS AND PERSONAL CREDIT REPORTS TO MY OLD ADDRESS FROM EIGHT YEARS AGO!

Company response to consumer: Closed with non-monetary relief