vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
One month ago, I lost my credit cards while traveling on business. I called all my creditors and cards were reissued. XXXX XXXX is the only account I have a big problem with. At XXXX XXXX recommendation, I made a payment of approximately {$2400.00} on my XXXX XXXX account. However, they posted the payment to the former account number that was closed, showing a minus {$3000.00} balance. The new account showed a positive {$4000.00} balance. They did not reconcile the accounts. They twice faxed at my request to explain the situation. Due to improper coding, my loan will not be approved. I need help! 

In my lengthy loan application with XXXX XXXX, I have now just learned that they can not move forward because a creditor, XXXX XXXX, has mistakenly coded my account. Using a third party to review the credit worthiness of applications, XXXX Loan Rep XXXX XXXX has told me that " the client needs to reach out to the creditor to explain why they ca n't correct the billing. '' XXXX reported yesterday, " Just heard back from XXXX. I asked them to provide more info about the lost or stolen that they are stating is on this account. I told them that we were working on a report pulled XX/XX/2016 and at that time this account was no reporting as lost or stolen. This is what they said : XXXX - Please be advised that we only have the date of the last reported by the creditor to us : XXXX/XXXX/2016 and you will have the consumer to contact the creditor to get more information. Also, this is the information that we have for this type of accounts : Lost or Stolen accounts do not show neither balance nor late payments and are automatically closed. '' Says XXXX XXXX at XXXX XXXX, " So basically, because its been coded like that, they are n't able to move work on it. '' I do n't know what this means. Except, that I can not obtain approval for my refinance request because XXXX XXXX has improperly coded their reporting. 

XXXX month ago, I lost my credit cards while traveling on business. I called all my creditors and cards were reissued. XXXX XXXX is the only account I have a big problem with. At XXXX XXXX recommendation, I made a payment of approximately {$2400.00} on my XXXX XXXX account. However, they posted the payment to the former account number that was closed, showing a minus {$3000.00} balance. The new account showed a positive {$4000.00} balance. They did not reconcile the accounts. They twice faxed at my request to explain the situation. Due to improper coding, my loan will not be approved. I need help! 

XXXX XXXX, Solution Consultant at XXXX XXXX can be reached at XXXX, fax XXXX, email XXXX XXXXXXXXXXXX. 

Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Please see the screen shot stating my credit report was pulled on XXXX XXXX and I have not applied for anything. Equifax has destroyed my credit report as I have mode a number of complaints and they are still adding additional information on my report. I have attached a screen shot of the latest error on my report. Please have Equifax to remove this inquire " XXXX '' ASAP! This is just one of many issues I have complained about. 

Also, please see that on XXXX XXXX Equifax stated I had an address change and that is not true every since then I have number of bad accounts on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-31 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
EQUIFAX HAS NOT PROCESSED DISPUTE AND INVESTIGATION TIMELY FOR XXXX AND XXXX. I AM AUTHORIZED USER ON BOTH ACCOUNTS & XXXX XXXX XXXX, INDIVIDUAL ACCOUNT USER, HAS BOTH ACCOUNTS REMOVED FROM HIS CREDIT FILE WITH ALL XXXX CREDIT REPORTING AGENCIES DUE TO INCORRECT DATA. BOTH ACCOUNTS ARE CLOSED AND OLD AGED ACCOUNTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit report has an address i never lived at.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10 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:
I have been fighting with equifax for quite some time to get my credit report straight. Other than my open accounts i have applied for NO credit anywhere as my wife and i prepare to purchase our fist home. I have filed a complaint with the XXXX and there response what that people do n't need my permission to run my credit. This is inaccurate and these fraudulent inquiries are messing up what would be a good credit profile. All recent requests for my credit are fraudulent and i request that they be removed. You can see on my report the accounts that are open and in my name because i pay them monthly. However i have not seeked new credit. Please help me in getting transuion to remove these several inquiries off of my report that are fraudulent so that i may continue on the road of preparing to purchase my first home. As a Vet and XXXX XXXX XXXX it sickens me that i have to go through all these channels just to get my credit report accurate because the agencies refuse to do anything. All they do is call the creditor and say " did you get a request for credit '' and i assume they say yet and this makes it a valid inquiry? NO i do n't think so, because anyone could call and say they are me and if it is not me i do n't want to be penalized for it. Again my only complaint is that most all of the inquires on my report are wrong. Please help me get them removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Equifax has and continue to report fraudulent accounts. They have not validate any account to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 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:
I have notified Equifax on at least 3 occasions, both through on line dispute and in writing regarding my credit being pulled by auto finance companies on XXXX/XXXX/XXXX. I explained this was done in error at the dealership and provided them with the manager at the dealership who is working with me to resolve this matter. Equifax did not investigate the matter, when I phoned after the first time in XXXX XXXX, as noted on their decision I had the right to ask of how they went about the investigation, I was told by 2 employees that they do not investigate inquiries. This is not my understanding under the fair credit laws. I am told if it is incorrect that I have a right to dispute and expect my concern to be investigated. It sits there for up to the 30 days they have, then they just keep saying it is valid and to contact the companies who pulled my credit. I have not only disputed this numerous times, they have failed on each occasion to contact XXXX XXXX XXXX at XXXX XXXX XXXX, in XXXX Al, and speak with XXXX XXXX who is the general manager at XXXX. He will verify this was done in error. They have failed to do this in the allotted time granted by law on at least 3 occasions and I am respectfully asking they remove all inquiries reported on XXXX/XXXX/XXXX from auto finance companies. I appreciate your attention to this matter. I chose proper notice of investigation since the other items did not exactly fit. They failed to investigate the issue. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I found out I was a victim of identity theft, after going to obtain a mortgage. When I realized this I immediately reached out to the proper authorities, filed an FTC Affidavit and continued on with filing a Police Report at my Local Police Department. I sent XXXX, Equifax and XXXX certified mail on XXXX/XXXX/16 listing the negative accounts and address that showed on my report. As of today XXXX/XXXX/16 ( even though these items are listed in my Police report explicitly ) the fraudulent address and accounts are still listed. This violates section 605b of the FCRA and Section 623a ( 6 ) b. Stating specifically that this information is to be blocked within 4 business days upon presenting a valid Identity theft report. It has been over 120 days, and still Equifax and XXXX willingly choose to violate the law set forth to protect people who have gone through my situation.

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

Complaint narrative:
I applied for credit with XXXX on XXXX XXXX, 2016 and was denied due to information obtained or supplied by Equifax. In the denial letter sent from XXXX, I was instructed to request my free credit report via online, or telephone. I first attempted to obtain via the internet. Equifax 's automated system repeatedly attempted to confuse or sell me additional information for a charge. Once I hit submit and did n't purchase any additional information, they instructed me to call. I attempted to call three separate times and all three times where denied access to my FREE CREDIT REPORT. I spent over 1 hour trying to go through a SIMPLE PROCESS of ordering my FREE CREDIT REPORT, and have failed to do so on 4 separate occasions. Ordering one 's FREE CREDIT REPORT, should be as easy as ordering an ice cream cone in my opinion ... but these XXXX credit reporting companies use tactics and processes that are confusing and frustrating to millions of consumers and the CFPB has an opportunity to make a difference. I am requesting my free credit report based on the fact that I was denied credit within 60 days. 
Can you please help? Also, besides ordering my free credit report, is there another agency that I can file a formal complaint regarding the processes and tactics used by this company? 

Thanks in advance for your help and support. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax is reporting the wrong filing date on my Chapter XXXX Bankruptcy Case # XXXX. My report show I filed XXXX which is impossible because there is no such date. I filed XX/XX/XXXX which is over 7 years ago which means it should not be reporting on my credit report anymore. Equifax is still reporting this BK on my report with inaccurate Dates. Please ask them to report the correct date. 
Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
Please be advised this our FOURTH time we are trying to seek justice in this matter. On three separate occasions, we requested to have a release and withdrawn lien removed from our Equifax credit report per the Internal Revenue Service release and withdrawal. The documentation from the IRS stating that the lien has been released and withdrawn is attached. In each instance, Equifax has provided confusing and insufficient explanations as to why you it chooses to continue listing a withdrawn lien on our credit report. XXXX and XXXX have removed the lien based upon the IRS documentation. As further evidence supporting our position, please see the attached email documentation from XXXX XXXX XXXX a Tax Specialist with the XXXX Office of the Chief Financial Officer of Taxation and Revenue indicating that there is " no indication of a lien filed in the XXXX '' on me and/or my wife XXXX XXXX. 
Based upon the documents, we have Equifax through a formal dispute to respond to the the following questions : 1 ) Please provide to us the Equifax policy regarding removal of withdrawn liens from credit reports. 
2 ) Please advise whether your failure to remove an IRS withdrawn lien from a credit report is Exquifax policy. 
3 ) Please advise whether the above Equifax policy is consistent with Fair Credit Reporting Act, as the other XXXX agencies have subsequently removed the lien. 
4 ) Please explain how your policy specifically has a bearing on our credit worthiness. As the Internal Revenue Service saw fit to remove, we believe your failure to follow suit constitutes an unfair business practice and is harmful to consumers. 
XXXX XXXX XXXX, XXXX ( XXXX ) and XXXX XXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I sent equifax my dispute on XX/XX/XXXX,2017 ask to dispute several accounts that 's on my credit report. Equifax refuse to do a proper investigation calling the companies and asking them to verify over the phone or via the computer does n't constitutes an investigation. Equifax does n't have any paperwork nor contract that bear my signature stating that I have a contract obligation to these accounts. Which is a violation of the FCRA per section 611. Due to the findings of your investigation which was published and the fines that cfpb issued to equifax for these same illegal practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX XXXX XXXX on or about XXXX/XXXX/2015 on EQUIFAX. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-15 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I am unable to pay the full amount required for my private loans. I asked for a decrease and they only offered a XXXX dollar reduction. I am only working part-time. They said there are no other options at this time. I said, " So you 'd rather I pay nothing? '' and she replied, " You ca n't call a bank and demand your loan payment be lowered. '' She then stated it will " hurt me '' if I do n't pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Detailed letter attached. Non escrow mortgage loan. Ocwen force placed coverage with no proper notice and the effective dates of their force place coverage included months my property was not in a flood zone. They have had my paid flood policy and continue to error and cause me financial harm, and inaccurate credit reporting. My payments have been deposited to suspense rather than posting because they can not correct their errors. details in the attached letter, chronology, and supporting documentation. While housing my payments in suspense account they have referred my loan to loss mitigation. My credit score has always been XXXX and my good credit is in jeopardy.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is reporting numerous inquiries on my credit report that were not authorized by me. I had previously disputed these inquiries with Equifax and they continue to remain on my credit profile. I have attached a list of credit inquiries that need to be removed from my credit profile. Here is a summary of those inquiries ... XXXX XX/XX/XXXX. XXXX XXXX XXXX. XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX Loans XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Debt collection — Mortgage
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase had my Mortgage loan I got behind on my loan JP Morgan started foreclosure proceedings at the same time I also received papers stating I had a new servicer. I began working a modification with the new servicer while I was doing that Chase was still moving forward with the foreclosure I contacted Chase again they claimed they were not moving forward with the foreclosure yet all the legal papers clearly state JP MORGAN CHASE. I contacted the new servicer asked them they inquired whose name was on the legal documents and said that it was not them it was whomever was on the legal papers. I have letters from JP Morgan Chase stating they withdrew the foreclosure I have letters stating that they have no interest in my home yet they still move forward with the foreclosure So I dont even know who I am supposed to be working out the modification with because as I do Chase is still foreclosing I missed conferences because they told me to disregard any notices i received with JP Morgan Chase on them because they were not moving forward with anything. I HAVE TO APPEAR ON XX/XX/XXXX 2017 AGAIN TO STOP THE SALE OF MY HOME THIS HAS BEEN A NIGHTMARE AND CHASE THE ATTORNEYS COULD CARE LESS

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: KS

Complaint narrative:
I filed chapter XXXX bankruptcy on XXXX/XXXX/14, the bankruptcy was discharged on XXXX/XXXX/2014. I included my XXXX balance of approx. {$34000.00} ; this balance was discharged. XXXX sold the loan to Seterus. I have been making monthly payments to Seterus because I want to avoid a foreclosure. However, Seterus are charging me interest and will not provide me with a statement, nor will they provide me with receipt of my payments. My payments have increased from {$300.00} to over {$400.00}. I have requested pay off statements and the balance keeps increasing. Since this loan was included and discharged in my bankruptcy they should not be charging me interest. I want a refund of all of the interest I have paid them since 2014. I want a detailed list of all of my payments and I want a pay off statement. They refuse to talk to me on the phone because they keep saying I am in bankruptcy. I keep telling them my bankruptcy is discharged and closed. I need this information so that I can sell the property and I want the interest that they have charged me to get refunded. I am not liable to pay this loan because it was discharged. They are breaking the law by charging interest on a loan that was included and discharged in bankruptcy. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I do not have an account with XXXX XXXX. I reached out to them and they mentioned that there is no account in my name with them or even under this account number. When I dispute this with the credit bureau 's it is still showing up on my report yet it is erroneous. This needs to be deleted as soon as possible. Due to this erroneous reporting, I have been denied credit and I am in the process of purchasing a home. I wrote XXXX XXXX and they mentioned that this is not their address and that this account does n't even exist in their records, yet it is showing up on my XXXX, XXXX and Equifax report. Please DELETE this. This is reporting incorrectly and is against the FCRA reporting responsibilities. The account number is XXXX. Please see attached, for I have circled the account that is showing up on my XXXX, Equifax and XXXX Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I requested a copy of my credit report from all XXXX agencies, as I am in the process of repairing my credit. I am having trouble with XXXX agency which is EquiFax. My first request went out to them on or around XXXX the XXXX, this was with a complete copy of my credit report as well as the items that were in dispute along with any supporting documents that pertained to each account in which I am disputing. I called Equifax on the XXXX of XXXX to see if any of my items were removed and the Agent explained to me that there were XXXX more pending my investigation that needed to be resolved by the XXXX of XXXX and I called today to receive the results and was told that it was on-going and they refused to remove the XXXX items from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts, names, and addresses I disputed. Being that they have gone past the 30-day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you!

Company response to consumer: Closed with explanation