vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Reverse Mortgage Solutions, Inc.
State: AL

Complaint narrative:
i have a reverse mortage with reverse mortage solutionsI am on a fixed income they require me to pay XXXXper month to pay the premium I only receive XXXX permonthI have a home onwers policy and auto insuranceutilites and dr and XXXX bills

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX is reporting a collection account for XXXX XXXX XXXX in error. This account was paid by XXXX XXXX XXXX XXXX XXXX, and should not have gone to Collections. 
XXXX XXXX NEVER validated this debt with XXXX XXXX, nor did they validate that it was paid by XXXX XXXX XXXX XXXX. I have never received nor authorized anyone from XXXX to validate with XXXX XXXX so I know they never have. 

Per the FCRA Section 809 they have not properly validated the debt, and it should be removed from my Equifax Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
I have a plumbing leak in my hall bathroom. I contacted my homeowner 's insurance company XXXX XXXX XXXX XXXX and filed a claim. Today I have found out that the check they issued is to me and Seterus, the mortgage service. In order to cash this check to complete the repairs to my bathroom I need Seterus to endorse the check. Upon contacting Seterus, they said we need to file a claim with them for the plumbing and water damage as we did with our insurance company. They will send out paperwork to be filed out by us and to allow 5-7 business days for us to receive the paper work. Then we need to send them back the paperwork along with the check so they can endorse it. Once they have received our claim and the check, we need to allow them 3 more business days to review our claim and endorse the check. Then they will mail it back to us and we need to allow additional 5-7 business days to receive it. This process which was started on XXXX XXXX with our initial call to the insurance company and has already taken 3 weeks and been extended by an additional 4 weeks because of Seterus, the mortgage servicer. I have no guarantee that I will even receive everything back by the week of XXXX XXXX. In the meantime we do not have full use of our hall bathroom for now a minimum of 7 weeks plus whatever the amount of time for contractors and plumbers to be able to repair the pipe, walls and tile. This is an unjust way to do business and I feel the practices of Seterus need to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Sent certified letters to advise the info is incorrect and letter that creditor agreed to remove. Still not corrected from XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27 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 filing another complaint on the following unauthorized and fraudulent accounts that 's listed on my Equifax credit report : XXXX XXXX XXXX, XXXX XXXX XXXX, MN Child Support Enforcement and XXXX XXXX. The following credit inquiries are unauthorized and fraudulent as well : 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. I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have had these inquiries on my account for a very long time despite disputing them because I never tried to open these account. I had proved that I have been a victim of Identity theft however these inquiries still remain on my credit report and therefore harming me negatively. They are listed below on all XXXX of my credit reports : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX notified XXXX XXXX XXXX on several occasions to release and dismiss a judgment ( cause no. XXXX ) on XXXX XXXX, XXXX XXXX and XXXX XXXX, 2014 because the matter was settled well-before the court date. XXXX XXXX XXXX indicated that they did not place the judgment on the Equifax , XXXX and XXXX reports. XXXX and XXXX bureaus deleted the judgment from my report. However, Equifax is indicating that the entry is adequate. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Any and all medical bills reported by any agency on to any credit report are to be paid by the XXXX XXXX. I 'm medically retired and they fail to provide proper medical care. Therefor, they are responsible for any past, current and future medical bills. Also, I have never owed any XXXX bill and do not owe any money to XXXX XXXX XXXX. Those are mistakes made by those companies that I had contacted them to discus in the past, with no acceptable outcome. There should be no derogatory remarks or any open accounts on my credit report, as I do not owe any debt collection agency or reporting companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax refuses to acknowledge a letter I submitting stating this is not my account. The Account is over 7 years old and they are violating the FCRA Credit Laws by continuing to report the account

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I disputed a collection account on my credit report with XXXX XXXX XXXX account number XXXX. I contacted XXXX in XXXX 2016 disputing this account and XXXX sent me a letter stating that the account did not belong to me and that they would remove the account from my credit report. After considerable time, the XXXX account was not removed. I initiated a dispute with Equifax and sent a copy of the letter from XXXX relating to this account and that the account should/would be removed. 

Equifax responded that the account was verified and he information was reporting correctly. How is this possible, when the XXXX sent a letter stating that it did not belong to me and it would be removed. Equifax has violated the FCRA and dishonestly keeping this account on my credit file. I provided the verification from XXXX, so why is the account not removed instead of updated with bogus verification. 

This account should be removed within the 15 days allowed for response relating to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax is listing an account from XXXX XXXX and a Civil judgment. Niether is the account from XXXX XXXX is mine nor the civil judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am writing about Equifax. I disputed a loan from XXXX a few years ago. The account was removed from my credit file. Recently I discovered that Equifax had put the XXXX account back on my credit report. This is not right. I did my due diligence in providing documentation to have this account removed. My student loans were discharged after my XXXX. This issue is causing problems getting into a home, and other issues. I can not wait for this to fall off after 10 years. I may not even be alive. I will again provide the documentation about this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
I had a first mortgage and Seterus, Inc. was the servicing agent. My home was sold XXXX/XXXX/15 & the mortgage was paid off. Seterus overchanged me on the payoff statement for interest to XXXX/XXXX/15 in the amount of {$880.00} & flood insurance premium of {$490.00} that was not due until XXXX 2015. I was also due all the money in escrow for 2015 since not XXXX cent had been paid out for insurance and taxes in 2015. The escrow account should have had {$2300.00} in it. The total amount due to us is {$2800.00}. I received a check from them dated XXXX/XXXX/15 in the amount of {$880.00} XXXX overpayment of interest on closing statement ). I wrote them a detailed letter showing that they owed me and on XXXX/XXXX/15 they prepared an Escrow Account Statement XXXX this statement does not include XXXX and XXXX 2015, ) and it shows a XXXX balance. It notes that {$880.00} was deducted at a " Misc. Escrow ''. Then I received another check dated XXXX/XXXX/15 in the amount of {$490.00} XXXX overpayment on closing statement for Flood Insurance. I am still owed escrow payments for taxes and insurance from XXXX thro XXXX 2015 in the amount of {$2300.00}. Correspondence from Seterus says if you have any questions call them. I have called them many times only to be placed on hold for XXXX minutes and then told that they could not help me and my only way to resolve this was to write to them. These tactics appear to be designed to frustrate customers and are unfair and deceptive business practices. I want my escrow money that I am lawfully entitled to in the amount of {$2300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I started disputing information on my credit reports with the Equifax, XXXX and XXXX XX/XX/2016 for myself and my husband. I specifically sent certified letters disputing specific inaccurate information and asking them to validate the debt. At the time they were reporting ( see below ) the listed XXXX accounts that were on both of our reports through Equifax, XXXX and XXXX which list the accounts as Joint liability. 
XXXX - Account # XXXX ( charge-off ) XXXX - Account # XXXX ( foreclosure ) XXXX XXXX XXXX XXXX - Account # XXXX ( leased equipment ) After several rounds of certified letters to them, they REMOVED all XXXX accounts from my husband 's report XX/XX/2016 but claimed to have VERIFIED and will not delete from my file. I find this impossible and clearly they could n't have verified and removed from my husband 's credit report but verified and kept mine. Same debt, joint liability. I have tried talking with them to no avail. They also failed to mark the dispute comments on my file within the 30 day period. This is clearly a violation of FCRA. About 2 weeks ago XXXX and XXXX followed suit and removed the charge off account from his account but not mine. ( XXXX XXXX was only listed with Equifax )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX, XXXX XXXX XXXX Number Num : Balance {$590.00} Sir or Madam, I am writing in regards account XXXX XXXX XXXX on my credit report. I have filed a complain to the CFPB, that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( 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 State Attorney General, the Federal Trade Commission and the national XXXX. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Not my address indicated on this credit report, never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
OCwen loan Service. On XXXX/XXXX/XXXX OCwen Loan FL. was given Income statement and Forms over telephone for Modify Loan. On XXXX XXXX another Package was fax and Mail to XXXX location, XXXX. {$42.00}. As of XXXX XXXX Still no confirmation of Modify Loan. Ocwen Request fund wire A non-modify to XXXX. XXXX was paid. But My bank said the information is incorrect. to please get the right Address information before transfer again. 
I have tried to talk to my rep. Two week before you can get answers. try to contact. 
Now Ocwen is sending out Past due notice saying payment from XXXX to XXXX I keep informing them about the Modify. No Answer Ocwen. Ask them would they pay my property Tax.. they said once it Modify.. just last week they said they still working on Modify loan. it do not take 6 months to Modify A loan.. Since XXXX Ocwen took over this loan from GMAC and XXXX XXXX XXXX original loan was only for 2 months Before transfer to Homecoming finance, GMAC, Ocwen. Complaint on this Mortg. has been goin on since XXXX. Need to research this loan detail. I will pay once I get A confirmation Letter from Ocwen when this Modify is completed. as of XX/XX/XXXX.not completed by Ocwen. 
Many case has been file Case number : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax other account they the put onto my credit report are : XXXX/XXXX/XXXX XX/XX/XXXX is reporting closed should be openXXXX XXXX XX/XX/XXXX is reporting closed should be openXXXX XXXX XX/XX/XXXX is reporting closed should be openXXXX XXXX XX/XX/XXXX is reporting closed should be openXXXX XXXX XX/XX/XXXX reporting closed should be reporting openPlease fixed this Equifax. I am honestly truthful attaching report. Please carefully review report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 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 collection agency, XXXX XXXX XXXX, is incorrectly reporting a {$0.00} balance collection on my credit bureau reports which is negatively affecting my credit. I 've disputed this matter with each credit bureau, but in their remarks they state that XXXX " meets FCRA requirements ''. XXXX XXXX XXXX website is broken or down so I do not have contact information to address them directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
i wanted to see what my score was I thought it came with the annual report and it did n't. I should not have to pay to get score from annual report

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have XXXX inquiries on my credit report, and several of those reports I did not authorize. Equifax has given me a false response stating that these inquiries were factual. There is no record of a signed application from me, nor a copy of my drivers license or State ID, Also I would like these items removed from my credit report. But Equifax is requesting more information or documentation. Please assist me. it states also -- *** Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : XXXX, XXXX XXXX XXXX, XXXX KS XXXX this does not tell me that the company validated the inquiry on my account. Now I have to take extra steps to have Equifax remove the items from my account, by going to the company directly,. this is not factual not legal..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Judgment for an unpaid Veterinary Bill showing on XXXX Equifax that has been satisfied and a Tax lien that is being shown paid that should have been vacated on my Credit profile for Equifax XXXX. Please help me, this is the second time these items have prohibited me from getting a mortgage. Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint because Equifax has ignored my request to open investigation in regards to accounts listed on my credit report. Being that they have gone past the 30 day mark and confirmation shows they have received my dispute over 30+ days ago, 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
Consumer complaint received 2015-08-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I HAVE NO IDEA WHAT THESE CHARGES ARE FOR. I HAD XXXX SERVICE IN XXXX 2009. MY PLAN WAS UNLIMITED TALK TEXT ETC. AROUND XXXX XXXX 2009 THEY BILLED ME FOR SOME XXXX CALLS CONCERNING A COMPANY NAMED XXXX XXXX??? WHICH I NEVER HEARD OF AND THE AMOUNT OF THE FRAUDULENT CHARGES WAS ALMOST {$300.00}. I DISPUTED THESE CHARGES VEHEMENTLY BUT THEY WOULD NOT REMOVE THEM AND DID NOT PERFORM ANY TYPE OF INVESTIGATION. I CANCELED MY SERVICE AND I DO N'T KNOW HOW OR WHY THEY ARE REPORTING THIS AMOUNT AS MY DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
This was an unauthorized credit pull. I did not want their Credit card. 
XXXX XXXX in XXXX, MN pulled my credit report and caused a hard pull. I did not authorize them for a credit card pull. I was trying to get signed up for just a XXXX XXXX Rewards card. Please remove this inquiry from my Credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30 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:
Equifax will not deliver my free credit report after I entered all of my personal information

Company response to consumer: Closed with non-monetary relief