vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
We filed a dispute with Equifax on XXXX/XXXX/16. The site still lists the investigation as pending and it has been longer than 30 days. The other XXXX reporting agencies XXXX XXXX and XXXX XXXX have returned the information in a timely fashion. When we call to get information they try to sell us their credit monitoring service.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: CO

Complaint narrative:
Due to employment issues ( taking demotion in lieu of layoff XX/XX/2014 ), I fell behind on my mortgage. Since that time, I was not only reinstated ( XXXX 2014 ), but promoted twice in a year. 

Seterus offered me a modification, I made the trial payments, and tried to continue paying, but they rejected those payments telling me I had to wait for the paperwork. My next contact was from the county telling me my house was going to foreclosure sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been a victim an identity theft. I have my car loans, XXXX card, XXXX card, XXXX XXXX XXXX, XXXX card, XXXX bank card, XXXX XXXX, XXXX card, XXXX card, XXXX student loans and I have any knowledge of anything else that is showing in my credit report. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
A fraudulent credit inquiry was made on XXXX by an individual through XXXX. I contacted XXXX XXXX to report the unauthorized use. I received confirmation that it was in fact fraudulent though it remains on my Equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
The deleted personal information on my file keeps re appearing on my report and I would like for it to stop immediately. I have disputed with success this information 3 times but it comes back on my report often.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am being billed for an item I have no knowledge of, until I received a letter from the collection agency. I was out of the country for a period of time and I believe someone that resided with me at the time, created an account with out of my knowledge.attached is my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am disputing the reporting mistakes on accounts XXXX XXXX XXXX and XXXX XXXX BANK XXXX XXXX XXXX These XXXX accounts are paid and closed but Equifax started reporting XXXX in the month of XXXX 2016 where XXXX these accounts were closed years ago. 

Equifax is seems to punish me for disputing these accounts by reporting XXXX in the month of XXXX 2016. Due to this inaccurate XXXX in the month of XXXX 2016 My credit scores goes down and it is hurting me. 

There is no activity and We can see the difference in reporting in the attached screenshots.

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 — Public record
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Judgement was filed against myself, XXXX XXXX when the judgement is supposed to be against my son, XXXX XXXX and his wife, XXXX XXXX. We have paperwork from XXXX county clerk with XXXX XXXX and XXXX XXXX name on the paperwork but yet they have my social security number. 
XXXX XXXX was having her paychecks garnished until she moved and got a new job. She is currently employed at a different location but instead of going after her, they are going after me. I am trying to get approved to purchase a home and this is holding me up.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: MI

Complaint narrative:
Seterus Inc foreclosed on our home in XXXX XXXX and satisfied the entire balance owed in doing so. They continue to report a {$230000.00} open balance on XXXX for our credit report XXXX info below ) although a {$0.00} balance is reported XXXX. Because they continue to report this balance, a loan we are applying for on our present home is being denied XXXX until I can prove that the balance was liquidated at foreclosure by providing a copy of Setrus 's XXXX XXXX XXXX or a correction XXXX. Reporting XXXX is correct. I have waded thru interminable blocking phone menus and interminable CSR wait time to contact Seterus three times. The first time we spoke, XXXX XXXX, XXXX, they refused to talk to me at all because I had been represented by an attorney during the foreclosure. ( Note : this is consistent with their policy in mailing the XXXX in XXXX. They said they would and did only send it to my attorney, which caused significant delay in filing our taxes - he never received it. ), they said my attorney would have to call them XXXX at {$300.00} per hour ). The XXXX time I spoke to them, on XXXX XXXX, XXXX, they allowed that they would speak to me if I faxed a letter stating I was not represented by an attorney. I did so the same day. Today, they will speak to me, and have agreed to provide the XXXX within XXXX - 10 business days and correct the credit bureau report within tbd days. 

I am seeking XXXX action items:1. Faster response, as in today! I urgently need the XXXX or I will lose my application fee XXXX because the loan will not be completed on time. 
XXXX. Long term, their policy of not providing me tax forms, info and corrections to my loan without going through the attorney I used XXXX years ago is inane. Every other creditor, for example, provided XXXX directly to me even though they knew I was represented by an attorney. This should be changed at Seterus and across all lenders. 

Personal info is as follows : Seterus Loan Number : XXXXBorrowers XXXX and XXXX XXXX XXXX XXXX XXXX XXXX telephone and fax : XXXX Property Address : XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX balance of {$230000.00} reported to XXXX Credit Reporting Agency

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My husband died XXXX years ago. He took a Home Equity Loan from Chase. After his death I continued to pay interest only as was the original agreement. As soon as the payments were converted to interest and amortization, it more than XXXX the payment. I could not afford this change and was unable to continue my payments. I have made repeated attempts to contact Chase, without success. I even went down to a branch to show the Death Certificate and Estate docs, so I could speak to anyone who could help with a loan modification. Again, I was unsuccessful. I am trying to honor my husband 's debt, but ca n't get anyone to speak with me in order to restructure so I can afford to repay.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Equifax has all inaccurate information on me and has n't updated my credit file since 2009. I have n't had this problem with either of the other XXXX bureaus. This inaccurate information includes XXXX misspellings of my name, inaccurate creditors, and no updated credit information since 2009. 

I have been denied a car loan, mortgage, and even cable tv. Each time I try to get a free credit report from Equifax it asks me security questions that are not related to me and therefore, they deny my report. When I sent the request via mail they never responded. I 've called XXXX times, but could never get anyone on the phone. The only time I got someone on the phone is after I paid for a credit report ( which I should n't have had to ). This lady was unable to help me nor was her boss. They did not have the authority to fix any of my issues. I sent them via fax my birth certificate, my current FL drivers license, my old AL drivers license, my government XXXX card, and even my passport. Even after sending all of this information the only thing they did was update my name, but left everything else being inaccurate. 

I 'm not sure why I have had all of these problems only with Equifax. The other XXXX are correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: MD

Complaint narrative:
Seterus can not seem to calculate the escrow payment properly. The escrow balance is {$500.00} to {$700.00} short each year. They want me to pay a lump sum rather than charge the proper amount. An alternate to paying the lump sum, they add the shortage to my principle balance spread out three years. This causes my principle to decrease at a snails pace. I called last year and advised them the " new '' escrow was not enough to cover the year without going less than the XXXX and even it goes negative XXXX or three times during the year. They have to borrow from somewhere to pay the county taxes or hazard insurance and the person I talked to seemed to think that was OK.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: GA

Complaint narrative:
SETERUS is my loan service provider. I have repeatedly asked for their assistance in modifying my mortgage. I have had some financial difficulties which caused me to fall behind on my mortgage payments. They have provided very little assistance and indicated that they would start foreclosure soon. I have filled out the same paperwork several times and have not gotten any closer to getting a modification. I am in need of your assistance in getting a mortgage modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax is taking too long to conduct my investigation and respond. I requested an investigation XX/XX/XXXX, but they have not yet responded to me with the results.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
I had to go Bankrupt in 2013 due to my husband passing away.I have a car loan and that 's all, I do not have any credit card 's at all.I have to get a small loan {$200.00} for my XXXX.The Credit Agency keeps saying I have credit cards that do n't exist.XXXX for XXXX I have NEVER dealt with these people and XXXX XXXX and again have not EVER dealt with these people.Everything else I have been making payment 's on time for my car.I checked my credit and it say 's nothing deliquint and nothing in collection's.So what 's the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am XXXX with XXXX ( " provider '' ) in XXXX XXXX for over 20 years .My account with this provider is XXXX balance. " XXXX XXXX XXXX ' ( " XXXX '' ) is a private collection agency who goes to these kind of providers and get old accounts and files into collection and report to credit agencies in quantity.In my case I have already paid the provider and this is the last bill as stated is XXXX. Regardless my multiple request with proof of payment XXXX continues to report the collection to credit agency ( " Equifax '' ) for XXXX dollar which does not exist except they claim this is interest charges from medical bill I presumably owed to provider. There is no balance how could be interest charges.These people have violated not HIPPA act accessing my medical bills but certainly are scam and try get XXXX people and good responsible citizen scare of their credit and make them pay based on distortion of their good credit .I have attached the proof they have destroyed my credit standing and regardless of my numerous notice to Equifax has failed to justify the consumer rights to the fact which the debt is a wrongfull claim. I do not owed any to XXXX nevertheless to provider. XXXX has long record of law suits by consumers .Equifax must act and remove all of their reporting from my credit. I am available to testify at any place and any time for this abuse from XXXX and Equifax failure to remove wrongful information .this is matter of principal a lot of people getting XXXX. We have to make the credit agencies such as Equifax reporting accountable for the justification of such reporting in the first place.There are XXXX people perhaps are the victim of wrongful reporting by these credit agencies for such this must stop.This is terrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
On today XXXX/XXXX/2016 I applied for credit and was denied due to " no credit file available ''. I was told by the company that I applied credit from that Equifax is reporting I have no file available. I am once again being tormented by Equifax. This is yet again another ongoing issue that has not been unresolved. Please have Equifax to make my report available to creditors who are requesting a copy of my report with my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
I contacted Seterus regarding a hardship situation dealing with family medical issues, which was impacting my financials. 
The person I spoke to XXXX XXXX, was very understanding and implored the help of her manager XXXX XXXX. in the matter. 
They offered me an extension, and made payment arrangements by pushing out the due dates. However, I needed to give them pre-dated checks for payments. ( I have confirmation numbers for each one ). 
I was given reassurance that I would not be in delinquency or default status. 
Subsequently, one month later, I began receiving phone calls from another one of Seterus representatives, telling me my loan was in delinquency. I asked them to read the notes and agreement made with XXXX & XXXX. 
I then began receiving US postal letters and notices of default. I contacted Seterus via phone today and asked to speak to XXXX & XXXX. I was told by the representative that she could not transfer me. The representative informed me I had to work with her. 
I then asked to speak to a manager or supervisor. Again, I was not given the courtesy of my request. I have been dealing with Seterus for 2 years and have nothing good to say about their customer services or accounting practices.

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

Complaint narrative:
Hello, mortgage : XXXX # XXXXdates in dispute : XXXX XXXX and XXXX XXXX (? ) Equifax response XXXX XXXX XXXX I contacted Equifax to dispute delinquent payments on my credit report. I had sent my mortgage company a copy of my USPS postal tracking # It was mailed as a 2 day priority. Per XXXX, no late pays are showing on my account. 
In XXXX XXXX I contacted my mortgage company a second time ( after the dispute with XXXX ) and was advised XXXX XXXX payment is showing current in their system and there are no late pays going back over 5 years. 
Today XXXX XXXX, XXXX, I checked both XXXX and XXXX XXXX, both STILL show XXXX delinquent pays on the credit reports. Per Equifax, the incorrect information had been removed and my credit score adjusted accordingly. Last month, I checked ALL XXXX free credit report sources in XXXX and ALL XXXX had me at a XXXX score or higher. Today, BOTH Equifax accts ( XXXX and XXXX ) have the exact same score XXXX and both have the same XXXX LATE PAYS. This is in spite of the fact that Equifax contacted me with # XXXX which is now expired, advising all payment information had been corrected. To make matters worse, my computer crashed last month, and the document where I copied that information is on my old system. At this time I can not access the document where I copied their complete response. 
I stand by my statement below, because I do have a copy advising the errors had been removed and saw the new, updated scores last month, but did not think to screen print them. Who would imagine that it was all a hoax? 
Since my score from XXXX is XXXX and shows both accounts, it is obvious that Equifax has not corrected my information, or they corrected it in XXXX, then put the incorrect information back on my credit report in XXXX. For them to force a lower score on me is questionable and unethical. It still appears that they are using " late pays '' as a means to force people to purchase their credit products. 
I also want to add that my son 's name is on the mortgage and his score has been over XXXX for several months. How is that possible when we have XXXX accounts that are the same? His name is XXXX XXXX XXXX and he is he co-signer on the mortgage. I am a cosigner on his car. Same debts, yet different scores. Seems a bit bogus to me. I have attached the screen prints from XXXX ( XXXX ) for your review. As you will see, they have corrected and updated my score.They also show XXXX open accounts. That was disputed and corrected with CFPB Case number : XXXX. Thanks for your time. Have a great day!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have been requesting verification of the following account that Equifax continues to report on my credit file : XXXX FED Bk CT- XXXX XXXX Case ID XXXX. Equifax listed XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX as the source of their verification on XXXX XXXX, XXXX. 
On Monday XX/XX/XXXX I directly called the XXXX XXXX telephone number that is listed on my report at XXXX and spoke with Lei agent ID # XXXX and she informed me that a security freeze was placed on my account as of XX/XX/XXXX. I have attached a copy of my security freeze confirmation that I received directly from XXXX XXXX showing the date of confirmation. 
She also told me that there is NO inquiry from Equifax or mode of verification from XXXX XXXX to Equifax showing on my Lexis Nexis credit file. And she also stated that XXXX XXXX DID NOT verify the verification that Equifax shows as reported on XX/XX/XXXX. 
I demand that this public record XXXX FED Bk CT-XXXX Case ID XXXX is removed due to lack of verification and inaccurate reporting of verification date! XXXX XXXX agent assured me that Equifax '' s so-called " verification '' on XX/XX/XXXX WAS NOT REPORTED BY THEM BECAUSE MY XXXX XXXX XXXX FILE HAD A SECURITY FREEZE ON IT ON THAT DATE. 
I have requested tangible documentation whether electronically or hard copies and Equifax has yet to verify. All they send is a XXXX XXXX address and a statement saying " the account is verified. '' I demand that this unverified account : XXXX FED Bk CT-XXXX XXXX CASE ID XXXX is PERMANENTLY DELETED FROM MY CREDIT FILE. 

I demand and request this public record : XXXX FED Bk CT-XXXX XXXX CASE ID XXXX is removed/DELETED PERMANENTLY due to lack of verification and INACCURATE REPORTING OF VERIFICATION DATE. A XXXX XXXX agents XXXX XXXX ID XXXX ) assured me that Equifax 's XX/XX/XXXX " reported date '' and " verification date '' DID NOT come from XXXX because they DO NOT disclose information on accounts with a security freeze placed on them. Please help! 
________________________________________

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Bank is reporting a foreclosure on a property that my wife and I use to own. We were never foreclosed on with Wells Fargo. This is false and incorrect reporting on our credit report. At the time the foreclosure was reported, we did not own the property

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