vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-23 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: AR

Complaint narrative:
I Have tried on multiple occasions for Seterus to get there records straight as I was transferred to Seterus on XXXX XXXX XXXX it has been XXXX months and the issue is still NOT Corrected my house payment is not what they have listed as I was granted a Loan modification 3 yrs ago with my previous mortgage company everytime I call they have done nothing with the 3 times I have faxed all the documentation from the court granted my approval and stating I owe no Discrepanies, as when I filed bankruptcy 5 yrs ago all of the back pay was repaid in our Bankruptcy plan as of today I should owe nothing except my monthly payment. now they are trying to stick PMI Which was cancelled from my previous loan they need to get there stuff together as I have provided all proof on my end and I will fight it till the end they are running my credit NOT Theirs

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: OK

Complaint narrative:
My credit report reflects XXXX accounts that I was an authorized user on the accounts. There are XXXX accounts with XXXX and XXXX account with XXXX XXXX XXXX. My mother was the primary account holder on these accounts. I had no financial responsibility on these accounts. The creditors on these XXXX accounts were given a copy of my mother 's death certificate, which was XXXX/XXXX/2009.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have disputed a collection with all credit reporting agencies about a collection that was paid and the creditor has disputed the collection as well and has asked all credit reporting agencies to delete the collection from my credit report. All credit reporting agencies have deleted the collection except for Equifax. The collection agency has gone online multiple times and manually requested the deletion, they have submitted the repositories and they have made repeated phone calls to Equifax , I have disputed it online and called Equifax multiple times and the collection has still not been deleted from my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Had difficulty filing dispute with EquifaxPaid off all doctor visits that continue to appear on my XXXX XXXX and other account in collection through XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX, XXXX and XXXX were all previously deleted and then reinserted into my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am having a problem with Equifax Credit Scoring. My Equifax score has a range of over XXXX points difference depending XXXX where the score is pulled. When I pull it from various credit monitoring sites I get a low of about XXXX ranging up into the low XXXX 's. But when XXXX Bank pulls it for a XXXX heat pump loan they are getting XXXX. I talked with Equifax and they can not explain it. XXXX says they have to use Equifax and that I need to get resolution from Equifax and XXXX Bank. XXXX wo n't talk about it and Equifax ca n't explain it. I need my heat pump replaced before winter and I ca n't get anyone to figure this out and get a true Equifax score. Since Equifax ca n't explain how the score could be so different when pulled from different sites, it may be that the problem is with XXXX Bank and their use of the score. XXXX requires use of Equifax and it looks like XXXX may be manipulating the score to make it be below the XXXX minimum of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My mortgage account with XXXX has been brought up to " Current '', " PAID IN FULL and closed. XXXX letters confirming payment in full have been issued by XXXX, which have been sent to Equifax by registered mail and internet. Telephone requests to correct the credit files to indicate that the account has been PAID IN FULL have been made to Equifax XXXX. 
Equifax continues to report as follows : Status : Over 120 days past due. Consumer disputes account information. ClosedAs a result of the negative report ( which is NOT in compliance with the Fair Credit Reporting Act ), my credit score is lower than it should be and I have been denied credit. 
One party that denied credit told me by telephone that the report from Equifax could mean that I paid less than the full amount or nothing and that the creditor wrote off the balance. 
The people at Equifax I have contacted recite a script, never answer my questions and do not show any interest in solving the issue. 
It is my contention that the Fair Credit Reporting Act requires Credit Bureaus to report " in a manner which is fair and equitable to the consumer '' so that there is no possibility of misinterpretation. The Act reads : '' It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX was paid as agreed, settled in full. not paid for less than as being reported. need validated

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am filing against Equifax because my credit score is XXXX fair and the XXXX is XXXX excellent. Please correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
Seterus is now demanding a minimum payment that is more than {$300.00} over my contracted amount. The " servicing '' department has also added more " fees '' to the amount owed on my mortgage. Seterus seems to be indicating that a portion of the payments I have been making ( all complete and made in a timely manner ) is being held " in suspense '' because they have been individually or collectively partial payments, something they NEVER informed me of, despite repeated requests to send monthly statements. They are also continuing to send me mail without my name spelled correctly, so I still am completely unable to communicate with anyone at Seterus either by telephone or writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have an alleged XXXX account for XXXX on my Equifax credit report.I have disputed this account several times with Equifax as I have not received notice of debt or notification of my right to dispute. Furthermore, the information reported on the Equifax credit file regarding date of first delinquency varies from the other reports. I have attached copies of each report to support this claim. 
Equifax XXXX - XXXX XXXX - XXXX XXXX - XXXX FCRA requires that accurate information be reported to each Bureau and that each Bureau reports accurately. At this point it is clear Equifax is allowing this inaccurate and damaging information to be reported on my file when obviously it is not correct. The date of first delinquency is a single, historical point an account first came delinquent and can not vary between bureaus. At this point I hold Equifax responsible for reporting this information and for removing it from my credit file. My legal rights as a consumer entitle me to compensation for any damages caused by this information reflecting on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
THERE ARE SEVERAL CREDIT INQUIRES RESIDENT CHECK, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, AND XXXX INQUIRES ARE ON MY CREDIT REPORT THAT HAVE BEEN DISPUTED SOME HAVE BEEN REMOVED BUT SOME REMAIN THAT DID NOT HAVE AUTHORIZATION TO PULL MY CREDIT REPORTS I REQUESTED VALIDATION TO SHOW WERE I AUTHORIZED THESES CREDIT INQUIRES AND IMPROPER RESPONSE WAS SENT BACK NOTHING SHOWING WERE I SIGNED TO HAVE MY CREDIT PROFILE PULLED

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I filed several disputes with Equifax about a collection account with XXXX. XXXX XXXX agreed to delete the account from my credit file but Equifax has refused to delete. XXXX sent over XXXX XXXX request for deletion and nothing has been done but update the balance to XXXX. This was not the arrangement with XXXX. They agreed to delete so Equifax must follow and delete the collection account. This account was previous deleted and reinserted without me being notified

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The account I am disputing is over 7 years old and should be removed. XXXX and XXXX have deleted it, Equifax refuses.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
Seterus, Inc., my mortgage servicer has refused to answer my questions about the servicing of my mortgage ( fee charges that do n't seem reasonable and corrected XXXX mortgage interest form that does not agree with my statements ) despite repeated phone calls. All phone calls are met with an exceptional lassaiz faire attitude followed by no answers to questions. I feel I have no where else to turn -- they hold all of the cards. Worst mortgage servicer ever!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been receiving letters from my current credit card companies stating that they were closing my accounts due to information on my Equifax credit report. XXXX just closed my accounts last week. I noticed last year that there were issues with how Equifax was reporting. All of a sudden accounts that were previously disputed & deleted reappeared and none of my current accounts listed any balances or account history. All of my new accounts were not even listed anymore. I disputed multiple times but Equifax has done nothing to correct my report. I have attached a copy of my CORRECT credit report dated XX/XX/2016 and a copy of how it is currently reporting dated XX/XX/XXXX. The XX/XX/XXXX report is SEVERELY incorrect. I have also attached proof of deletions including bogus pubic records that were deleted. 
I have also filed complaints with the BBB and the Texas Attorney General. I am suffering severe financial damages due to the mishandling of my credit information by Equifax. I have disputed so many times without any correction to my report. I am trying really hard to handle this situation outside of a courtroom. I just do n't know if I have any other option at this point than to hire an attorney if the CFPB, BBB & TX Attorney General can not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Hey there it 's been a live check cashed under the check was for my father XXXX everything on the check was his correct information except for the social security number was mines and he late paying it and they reporting it under my credit i called the company that the check was sent out to but they still have n't tried to fix the problem the place where check was cashed was called XXXX I was trying to see what I can do to get this problem fixed cause it 's not mines and it 's hurting my credit bad thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
I have been regularly monitoring my credit record online since XXXX. I have a schedule by which I contact XXXX of the XXXX major agencies at set points during the year. This has worked well until a year ago. In XXXX XXXX, XXXX refused me online access for the first time. I went through the rigmarole of requesting the report by mail. Then in XXXX XXXX XXXX refused me online access. Again, I sent in the requested info by mail - but also contacted the Iowa Attorney General, which assisted me. Eventually I received a paper report. Now today ( XXXX ) I was refused online access to my record with Equifax. I 'm tired of this. The online process is already unnecessarily complex ( which is probably why my access is denied - they ask these confirming questions about credit history, but my credit history is complicated - that 's partly why I monitor it regularly - and the questions are too simple to know with certainty which mortgage they might be inquiring about, and I presume if I guess the wrong one, they shut me out. ). And once they 've denied a request, doing it by mail is absurdly complicated and time consuming. In any case, I DO want to monitor my credit record, but there 's got to be a less cumbersome process. I 'm left with the distinct impression that for some reason they want to make this so complicated so I 'll give up. I 'm irritated and frustrated. Can you help?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
While going through the process of a 8 year divorce, I had relinquished my home at XXXX XXXX XXXX XXXX, Ca to the mother of my children. Court documentation stated that she had full custody of my children ; additionally, I wasnt abreast of their activity, nor was I granted any visitations. I extended the business to continue the last contract up to XXXX upon which all funds received went directly to her to a bank account that I had know access to. I recently checked my credit and found that in XXXX, XXXX and XXXX several liens were placed on my credit unbeknownst to me. My address has been in XXXX XXXX for the past 6 years. The updated status of these liens have apparently been satisfied/released and this has caused more of a hardship upon me to function in todays economy. I have know knowledge what these were placed on my credit for, for I havent been in contact with her and I still have to go through her if I wish to speak to my now XXXX XXXX XXXX son. I feel that due to her knowing my personal information, that my name and information was used in of hers for whatever these liens are applied to. I need to see proof of my acknowledgement, signature, etc ... something showing that i was aware or responsible for any of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On my Equifax Credit Report, a Chapter XXXXBankruptcy shows active eff XX/XX/XXXX but also Dismissed/Closed. I have supplied documentation of a CERTIFIED COURT APPOINTED GUARDIANSHIP eff XX/XX/XXXX. I have advised the Bureau that under the Guardianship I was advised I am NOT able to engage into any contracts NOT even to obtain an Attorney, in which a Bankruptcy would need. I know this for a fact since I was a victim of Id Theft in under this same time frame and attempted to hire an attorney and the County Clerk advise the Attorney at the time that I was not able to hire any Attorney due to the Court Order for the Guardianship at that time. I have been obtain legal information stating that under the Guardianship an individual is protected under the Laws and all contract are null and void. If this is the case, why am I being told by Equifax that the Chapter XXXX Bankruptcy must remain on my Credit Report for 10 YEARS? I have supplied all supporting documentation and I feel as though this is damaging information for an individual to have remain on a credit report if the Courts Dismissed and Closed the whole case with XXXX ( {$0.00} ) amount claimed. There no longer is a Guardianship since it was release through the court in XX/XX/XXXX. I am asking for a CLEAR picture of a true and accurate report and reflected credit score. I am asking for assistance with the reconsideration and removal of this damaging derogatory information from my credit report. If a Guardianship is there to protect an individual why is this not being honored. I believe that since it has already been 7 yrs too long and it definitely should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: NAVY FEDERAL CREDIT UNION
State: MA

Complaint narrative:
My father told his XXXX children that he had made them equal beneficiaries of his bank account. As he become more frail, he made me a joint owner without right of survivorship. After he passed away, the bank told me that he had not made his children beneficiaries. My understanding is that if the funds pass into my father 's estate, the attorney handling the estate will include that amount in calculating his fee. I have a joint account with my wife at the same bank that was linked electronically to my father 's account. I transferred most of the money into that joint account and informed the bank that I would distribute it to my brother and sisters as my father intended. Without notice to me, the bank withdrew the money from my joint account with my wife and unlinked my father 's account from mine. I understand that laws may vary from state to state but, after reading through the membership agreement, I believe the bank has no authority to do what they did. They have refused to answer my questions concerning this. 
I have attached the membership disclosure. It states that a joint owner can not be removed without his permission, which they essentially violated. It says that for a joint owner without rights of survivorship that the decedent 's share passes to his estate ; it does not give the bank the right to determine what portion should pass to the decedent 's estate. It does not say that my joint ownership ends. There is no statutory lien against the decedent 's account. They have violated the membership agreement and have arbitrarily deprived me of my rights as joint owner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report shared with employer w/o consent
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX, someone broke into my car and stole my personal belongings, in which included my social security card and drivers license. With this information, they were able to authorize the following companies to make credit inquiries and or open up multiple service accounts : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX all in XXXX, GA. I did not authorize these companies to put an inquiry on my credit account and would like these inquiries removed. As far as I know, the only account that was opened was with XXXX on XX/XX/XXXX and since then has been disputed. My ultimate goal is to be able to purchase/finance a car, but in order to do this I would like to first remove all unauthorized credit report inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
XXXX is listed on my Equifax report as charging off then going positive, and then charging off again, and then once again going positive. This is inacurate information reflected in my payment history that continues to keep my credit rating from improving. There are several accounts that are inacurate with my Equifax file that i have tried and tried to get resolve i have uploaded documentation that supports my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax has began AGAIN as of XX/XX/XXXX reporting incorrect information to my credit profile ( DUE TO RECENT EQUIFAX GLITCH ) although, Equifax has received several notifications from XXXX directly regarding an update to their reporting. 

I 've mailed a certified letter to Equifax on XX/XX/XXXX and XX/XX/XXXX regarding incorrect reporting of my XXXX/ XXXX student loans. Despite two written requests, including original documentation from XXXX/XXXX to support my dispute that XXXX has changed their name to XXXX and the XXXX delinquent accounts on my Equifax report should be reporting CURRENT they still remain on my credit in violation of Federal Law. XXXX changed their name to XXXX on XX/XX/XXXX and all my loans through XXXX and XXXX were never reported past due or late in XX/XX/XXXX or XX/XX/XXXX or XX/XX/XXXX. Please see attached documentation from XXXX/XXXX.

Company response to consumer: Closed with explanation