vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: DC

Complaint narrative:
My mortgage was sold to Seterus. I received the 15-day notice from Bank XXXX XXXX. In reading the notice it stated that my loan was being transferred XX/XX/XXXX. It stated that I could make my XXXX payment to Bank XXXX if it were a timely payment. I have a 16 day grace period and I was well within it on XXXX XXXX, 2016 and TODAY. I went to transfer funds and discovered that XXXX had removed my mortgage account information. Thus, i have been unable to make my XXXX payment. 

To top that off, I have not received my notice from Seterus as of yet. I proactively called XXXX to obtain Seterus ' information. They gave me the payment address of XXXX. XXXX XXXX, XXXX XXXX, CA XXXX. However, when I went to Seterus ' website, I was given a different address. Thus, I am unsure where to mail the payment. Additionally, XXXX do not accept XXXX. 

I proactively called Seterus to talk with a Representative to obtain my account information to put on my check. I still have not spoken to anyone. I have received circular messaging for several days and i have not gotten a live person the phone. 

On of their messages says to go on line to register to make a payment. I went online to register and make a payment. Their website states that you need your Seterus Loan number to register. Unfortunately, I do not have it because i never received their notice. 

I was planning to XXXX them the payment today XXXX XXXX, 2016. However, I do not have an account number to put on the check. I looked at their other payment options and their fees are very high. All I want to do is pay my mortgage in a timely manner. 

I did a XXXX search on this Company and I am concerned. There are so many negative statements about them and the way they do business. Do I have any recourse? 

My loan with XXXX XXXX XXXX was current as of last month. I am currently injured and unable to put weight on foot. Thus, I am unable to do a lot of running around and handling stressful situations. I have the ability to pay my mortgage, I do not want it to fall in arrears. Please provide guidance on navigating this maze, that I would like to avoid. Is there anyway to go back to XXXX? 

If not how do I get Seterus on the phone to obtain my account information? Additionally, please provide me the applicable authorities for this situation. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Since becoming an Equifax customer my score was about a XXXX at the start of the membership. There were many debts at that time, some were not valid, some were paid before going to collections. Oddly after removals of the inaccuracies my score dropped more and ore since becoming a customer. With improvement my score should stay unchanged. 
With the issues I had prior XXXX complaints as my score dropped at times by up to XXXX points. and right after the XXXX complaint closed they dropped again another XXXX points with no changes to my credit report that would justify the drops continually. Replies were not justifiable as at the start with many wrongful debts I had a very good score and today with removals and improvement my score has dropped too much. I gained new credit, reported as good credit, paid on time, paid typically the balance in full, and again they are dropping my score by about XXXX points each time they drop without justification. Common sense tells you that when you are a new customer with a score of XXXX with allot of wrongfulness, no good credit at the time, all wrongful removed, new good credit that today my score is a XXXX, so what does that tell you they have done immorally to my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am aware that a dispute is in process and I am providing new information regarding one of the items being disputed. A fraudulent account was opened in my name with XXXX XXXX. I filed a complaint against XXXX XXXX and they responded with the attached letter telling me they are no longer reporting this account to the credit reporting bureaus however upon my personal research I found that this account is still on my Equifax credit report. I redacted text on the letter that is not relevant to my complaint however I do give Equifax authorization to call the number on the letter from XXXX XXXX to confirm that they have given me written confirmation that they are NOT reporting the account any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My XXXX credit accounts where closed abruptly without notice I called in spoke to the security team member by the name " XXXX '' He confirmed that all my account where closed He offered to review my account but he would have place me on hold 3-5 mins he came back and told me unfortunately would they would stay closed, he gave me no options The reason given was " not enough credit on credit file and " too much credit extended '' He also said my account activity raised concerns!! 

I feel bullied, I did absolutely nothing wrong. 

why did chase extend credit to me in the first place. 

Why did n't they just decrease the amount of credit given. 

Im just left with nothing, not XXXX of the account where past due I was gon na pay each line in full this friday. 

no balances where gon na be carried over into the following month I have a XXXX income from being re seller on XXXX XXXX helps me better maneuver during a 30 day period I was n't even given the chance to pay the bill The security rep was very nasty and smug.he laughed when I explained that I would fight this unfair treatment he seem not to care that I 'm homeless with XXXX children under XXXX my credit rating will be destroyed due to XXXX closed account with short payment history. 

I moved up to XXXX to be by my sick mother but now I do n't have enough credit to maneuver each month. 

Chase allows XXXX credit line in 24 month period and extended the max too me so why am I being penalized for something when i did nothing but utilize the credit extended. 

Can someone on the executive level please review my account and re-open my account. 
I can submit financials, identity document, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: NY

Complaint narrative:
Seterus inc. my mortgage servicer has taken payments from me over the phone then sends letters saying my account is suspended and the money was put into a suspense account. They have tried to charge me with incorrect fees such as property inspection, that are only allowed if im in default. I would n't be in default if they properly applied payments they have taken from me and put in suspense.When I call I tell them and tell them I want to make my regular monthly payment and dispute the charges they agree and take my payment, then later they send me the letter saying I am in default because the money they took from me is in a suspense account.Meanwhile they keep adding fees including a lock change fee which never happened, they refuse to send me a complete intemized list of the fees. I have ample resources to pay they just wont apply any money taken to my account, they also report me to the credit bureau companys .All I want to do is pay my mortgage they insist I must pay these fees with no chance to even see what they are. Please help me I continue to fall farther behind every day Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
i have a collection agency ding for something on equifax and their online dispute says my information does not match theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are addresses on my report for places I have never lived. Also a fraudulent credit card opened in my name at XXXX. I have disputed this with XXXX and want it taken off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX has me living at an address XXXX XXXX XXXX XXXX, Ga. XXXX XXXX XXXX XXXX i have never lived there and they are messing up my credit because who ever lived there they seem to have my name down. I can prove i have never lived there yet they wont fix this issue. Please inform me as to what i need to do to fix this matter. All i have are my tax return stating my address at XXXX XXXX XXXX XXXX XXXX XXXX XXXX at the same year they state i lived there.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I applied for a credit card with XXXX, XXXX XXXX XXXX, and XXXX all on the same day. I received the adverse letters and my credit scores are reporting differently with all XXXX companies. XXXX stated Equifax Credit score is a XXXX. XXXX XXXX stated Equifax Credit score is XXXX. XXXX stated my Equifax score is a XXXX. Why does the same credit reporting agency report XXXX different scores when all three credit cards were applied for on the same day?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " XXXX ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I called Equifax to get my credit report, they took all the necessary information but they could not find me in the system. They asked me for a hard copy of my information which I have sent to them previously but still they could not help me. If my identity was compromised what am i supposed to do what is the procedure and why equifax does not help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I 'm complaining against Equifax because of the following reason. Please see the docs that I 've attached which substantiate my claims : Equifax is reporting judgements against an XXXX on my personal credit file. 
" A business lien against the assets of an XXXX is recorded against the business credit report of the XXXX, not against the personal credit report of individual members. Ideally, the creditor should have no access to the Social Security numbers of members, and should use the EIN of the XXXX only for credit reporting purposes. If a business lien shows up on a member 's personal credit report, he has the right to request its removal. The asset and debt belong to the XXXX under established law, not the individual members. '' Equifax is reporting dates that do not exist such as XXXX Equifax is reporting balances when I 've provided proof that the balances should be {$0.00} Equifax has court names that do not exist such as " XXXX XXXX '' Equifax is the only credit bureau that has not removed these unlawful items from my credit report after disputing with them for 2 months straight.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Community Health Investment Company, LLC.
State: TX

Complaint narrative:
I received a phone call from XXXX on XXXX/XXXX/2015 between XXXX and XXXX from someone claiming to be with Professional Account Services , Inc. It was a male voice. They said it was concerning XXXX XXXX XXXX XXXX. When I researched the number from XXXX different places the number popped up XXXX times as a telemarketing spam number. The number is registered to a XXXX XXXX in XXXX, Tn. Then on XXXX/XXXX/2015 I received a statement in the mail from Professional Account Services XXXX Inc., concerning the same thing. Guess what the office number on the statement was XXXX. The XXXX XXXX XXXX for XXXX, Tn. How can the same number be registered to XXXX different people.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
We ca n't reach them. I received a letter from XXXX that I was approved with a XXXX score and that I can call or go online to www.equifax.comXXXX to request the free copy. I have called and the voice prompts wo n't allow me to get the report and there is no way to reach a human. I have gone online and it states " it is unusual for someone below XXXX to have credit and if I want to file a complaint of fraud I need to send personal documents such as birth certificate, social security number, drivers license, etc. to open a case ''. This is insane to send XXXX with no signature ( just sending it in general ) is a major chance of getting in the wrong hands if lost. The phone recording wanted a fee to get the information as well. 

These bureaus control our lives with credit yet give no means to reach them. This is a serious concern for a graduate of this year who will need credit for school or going into the job market. These credit bureaus need to be mandated to have a person to contact. We need a copy immediately and have no way feasible to reach anyone to open a complaint. 

Not an expert on credit report but it seems highly unlikely to have a score without credit and we suspect that my credit has been jeopardized and have no way to confirm or start a process. I will attach birth certificate and letter from XXXX approving my credit card and the reverse of the letter showing my score. The approval process was through XXXX which XXXX gave a credit card as well as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
There are negative items listed on my credit report that are false. I do not owe these companies ( XXXX/XXXX, XXXX XXXX XXXX XXXX ) any money. I want the negative items removed immediately. I have disputed this information with Equifax several times, and they have not removed the false information. They also would not let place a statement on my credit report refuting these lies. Why are credit reporting agencies allowed to lie, and I have no recourse against them?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have written and contacted Equifax so many times, and their most recent shenanigans involves them not removing items from my credit report, even after the collection agencies have notified them to remove such items. There are accounts in collections that the companies have stated should be removed but the credit reporting company is neglecting the requests. I am asking that the items be removed today! and an apology letter to follow.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX issued to me an IRS XXXX form for cancellation of debt, yet they continue to report to the credit bureaus that I owe a balance. I have filed a dispute with the credit bureaus, but XXXX continues to report incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: VA

Complaint narrative:
Seterus took my money but did n't pay my property taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is refusing to remove incorrect disputed item from my credit file, whereby I am denied Home Loan from lender, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax responded to my complaint regarding XXXX XXXX on my Credit Report. I never applied for anything, verbally or in writing. All I wanted to know was how much XXXX charged for services per month. I never applied for a service. They lie and say I applied. I never did. They told me I could n't know prices unless I signed paperwork. Liars.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XXXX/XXXX/2016 I submitted Identity theft papers to XXXX consisting of my FTC Affidavit, Police Report and some other documents supporting my claim. Today is XXXX/XXXX/2016 and the creditors XXXX XXXX and XXXX 's which are the same company is still reporting on my credit report after I sent in my identity theft documents explaning how them XXXX accounts do not belong to me. I also sent XXXX XXXX and XXXX 's a copy too, and By Law since I sent them a copy of the FTC Affidavit and Police Report them items suppose to be blocked by the credit reporting agencies and also the creditors for supplying them with that pertinent information. The Law States : If a Furnisher learns that it has furnished inaccurate information due to identity theft, It must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information XXXX 
When any furnisher of information is notified pursuant to the procedures set forth in XXXX XXXX that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
Dear Customer Service Representative, I need your help. I am a XXXX XXXX Veteran. I would like to keep my home. I would like to refinance my home mortgage with a VA loan. I have already received a Certificate of Eligibility from the U.S. Veterans Administration. My home loan was initially financed by XXXX. They sold my mortgage to Bayview Loan Servicing , LLC . I have had a lot of problems dealing with Bayview Loan Servicing , LLC . In my opinion, I believe that I am being discriminated against because I am a XXXX Veteran. I was recently admitted into the XXXX XXXX due to XXXX. I am not sure if they dealing in bad faith or if they totally incompetent. My foreclosure trial is XXXX XXXX, 2016. I desperately need your help. 

I have been contacting Bayview Loan Servicing , LLC . by phone, email, and express mail since XXXX of 2016. In XXXX of 2016, I sent them an updated Request for Mortgage Assistance via, fax, e-mail, and express UPS mail. They have NOT acknowledged receiving it. In fact, I have evidence that they have NOT READ and ERASED my e-mail on at least 3 occasions. I also have evidence that they purposely provided me with the INCORRECT mailing address on at least 15 occasions in less than 3 months. I am not sure if they dealing in bad faith or if they totally incompetent. 
The contact information for my new mortgage owner and servicer is as follows : Bayview Loan Service, LLC., Loan # XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX , FL XXXX XXXX and XXXX ; XXXXXXXXXXXX and XXXXXXXXXXXX. My contact information is : XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX, CELL : XXXX and e-mail : XXXXXXXXXXXX. 
In summary, I would like to keep my home. I would like to refinance my home with a VA loan. I need for Bayview Loan Servicing , LLC to treat me fairly. I will appreciate ANY assistance that you could give me. My foreclosure trial is XXXX XXXX, 2016. Thank you. 

Very respectfully, XXXX XXXX, XXXX. 
XXXX Veteran XXXXXXXXXXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are XXXX XXXX Mortgage accounts listed on my credit file that have not had a payment in 7 years, they have been re aged which violates my rights. There has been no investigation completed. If there was the evidence would reflect XXXX is past the statute and these XXXX items would be removed. They XXXX accounts are XXXX # XXXX and XXXX # XXXX

Company response to consumer: Closed with explanation