vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-27 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
For months now I have been asking to please undue the fraud alert off my credit for good. I ca n't buy a car or anything else because Equifax has had a lock or alert on my credit. I call and they say there is n't one or some other run around BUT when they mail me my credit report it PLAINLY says extended fraud alert on it.. why is this so hard to remove and be done away with???

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Dear CFPB : This matter is very time sensitive. Equifax erroneously reported to XXXX party XXXX that my wife and I had a 90-day late on our home loans in XX/XX/XXXX. That is impossible. We completed a successful short sale with XXXX on XX/XX/XXXX. XXXX was contacted. They completed an investigation and confirmed that they reported correctly to Equifax. Equifax made the error. As a result, our FICO score has been affected and moreover, we are unable to buy the home that we want to purchase and raise our son in. 

Countless hours have been invested trying to ascertain who reported an erroneous late in XX/XX/XXXX. Equifax is the culprit. 

Attached is a recent letter from XXXX confirming that we were never late in XX/XX/XXXX and all debt was settled in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax reinserted a comment on my XXXX account " Dispute resolved ; reported by grantor ''. I DO NOT DISPUTE - PLEASE REMOVE VERBIAGE AGAIN. I sent two certified letters to have this removed, only to have it reinserted,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I previously contacted all XXXX credit reporting bureaus in early 2014 after completing a rehab of my student loans. I just learned yesterday in the process of buying a house and after a XXXX bureau credit pull that Equifax is still reporting a XXXX account as a collection account. I contacted XXXX, and they say I have to dispute with the reporting agency. 

My frustration is two-fold : 1. I already did this and it worked as the process was supposed to with all other issues and with the other 2 reporting bureaus. Now I have to wait between XXXX days for my credit report to show this ; and 2. I 'm not going to be able to close on my home loan on time because of this, and I 'm going to have to scramble to make alternative living arrangements and expenses, and may see the seller pull out of the deal leaving me to also try and find a new place to live permanently!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XXXX separate occasions letters requesting a free credit report were sent. A return response from company was that I would have to pay for the report. The request ( s ) were after the 1 year wait period and to my knowledge no report was requested during the 1 year wait protocol.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-27 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 a XXXX XXXX account that was readied to my credit report, that is both sevens years old and not mines. I have disputed and sent in correct paperwork to have re-deleted from report. Also received letter from discovery card that they will look into issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX was reinserted on my credit report after previously being deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: ID

Complaint narrative:
I have tried numerous times to get a free credit report and do the annual credit and it says the information i 'm not putting in is correct when I know for a fact it is, it ask strange questions about home loans being taken out in 2011 and i 'm only XXXX and have never purchased a thing in my life. So I definitely think something is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax Refuses to remove negative items and inquiries from Credit Report even though companies are unable to validate debts via signed contracts. Credit score incorrect. XXXX XXXX, XXXX XXXX XXXX has placed invalidated information on the credit file via 3rd Party Collection Agencies which have failed to validate these debts. They are unable to provide a contract signed by me to validate the debt. Inquiries disputed but have yet to be removed. It 's past 30 days. Company not compliant with FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 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 a victim of identity theft and have a fraudulent account and inquiries listed on my Equifax credit report. The following account and inquiries are unauthorized and fraudulent : XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX Bank, XXXX/XXXX/XXXX, XXXX XXXX Bank, XXXX, XXXX XXXX Bank XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX Bank XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I closed my Equifax account XXXX/XXXX/XXXX after paying on XXXX/XXXX/XXXX for a remaining 28 days of service. Account was to be inactive on XXXX/XXXX/XXXX as a result of that final payment. 
Equifax charged my account again on XXXX/XXXX/XXXX for {$19.00} without my permission. Upon calling they say they will conduct an investigation. 
I am disputing the charge with my bank and felt compelled to close my bank account to avoid further charges from this company where I have lost all trust. I do believe this is a designed fraud practice. No doubt, you have heard this complaint before from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
property sold and current owner did n't but has now paid taxes but it was applied on my credit report as a ta lien by XXXX county

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
In XXXX 2014, I made an online inquiry with XXXX XXXX about whether it would be possible to qualify for a mortgage based on assets and equity and pointed out we would not have adequate income to qualify for a mortgage. XXXX XXXX encouraged us to fill out their information form and led us to believe that it could be possible. They pulled a credit report on us and then informed us we would not qualify for a mortgage because we did not have enough income. I challenged the credit pull they did under false pretenses ( having stated from the beginning that we did not have adequate income and we were seeking an asset based loan ) and they responded that a credit pull would only cost us a few credit points and that all credit report pulls we experience within a 30 day period will not be counted as individual credit pulls. They were incorrect on both accounts. Our credit score dropped XXXX points in that period and there were no other changes to our report. Multiple credit score pulls showed on our account despite having clearly stated before each inquiry that they were not authorized to pull a credit report unless they would be able to lend based on assets, not income. In each case, they pulled a report then apologized when they turned us down for not having enough income. They used deceptive practices and operate with incorrect information about the impact of their actions on someone 's credit score. This probably is something that should be addressed in a class action lawsuit. It happened to us several times in that window by lenders who apologized after the fact. It is clearly a practice they do frequently given how many times they did it to us-pulling a report after being told conditions of authorization then apologizing afterwards when they have learned what prospective client told them in the first place. 

First and foremost, I did NOT authorize them to pull a credit report for an income based loan application. Yes, they did do a credit pull but no, it WAS NOT AUTHORIZED.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: ASSOCIATED BANC-CORP
State: IL

Complaint narrative:
Associated Bank who I have been a customer with for over 10 years is continuing to add fees to an account that is already overdrawn. I am constantly getting conflicting information, I was told by the customer service toll free number that I could cash checks on my savings account since it had a positive balance, I was told at the branch that I would have to deposit my work check in the negative account even though I am not in the position to do that. I was at the bank on Saturday cashing a {$4.00} check and I heard the teller yell that my account was overdrawn which a few people overheard. The teller should have just given me the negative balance on a receipt and not yell it where other people could hear it. It was very unprofessional but the bank states they will close this account if the balance is not bought to a positive balance, the account will be closed on XXXX/XXXX/16. I have spoken to my other bank XXXX XXXX about not honoring my check but they are investigating this and I was advised it could take about XXXX days which means this will be resolved until XXXX/XXXX/16 per their calendar. I want all of the fees after XXXX/XXXX/16 to be credited back to the account because the account is already negative so need to add unnecessary fees to the account. I had Associated Bank collection calls and they claim my address is incorrect even though my address has been the same for over 12 years. They continued to call me even though they claim the information is not correct.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-05 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: ASSOCIATED BANC-CORP
State: WI

Complaint narrative:
External Bank Transfer of funds from Associated Bank to XXXX. On XXXX XXXX, I scheduled to have {$530.00} transferred from Associated Bank to XXXX. The transfer was selected to go through on XXXX XXXX. I have transferred money a few times and never had issues receiving the funds on the day of transfer. I checked XXXX on the XXXX and saw no deposit. I checked Associated and the funds were pulled out of my account on XXXX XXXX. I waited until the XXXX and still saw nothing. I called XXXX and was told there was no funds being deposited into my account. I then called Associated who told me that the funds had been pulled, and were processing at the Federal Reserve and I wo n't be receiving them until XXXX XXXX or XXXX. I asked for the Federal Reserve number, and was told they do n't have one. I requested to cancel the transfer and was told I could not. I do n't know where my money is. This has never happened in the past, and I know the information Associated provided was a lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: CA

Complaint narrative:
XXXX I paid in Full to " NCO Financial System Debt collector '' for Creditor XXXX and advised me to keep my receipt due to during that time Collection agency, attorney and banks were involve in embezzling, scams, frauds and charge clients double amounts, On XXXX XXXX Law represent " NCO Financial System '' stated judgement were made on XXXX for same Debt account, I called and faxed settle Paid in Full and account was close on XXXX. few days later I called them back to confirm if my document was received and was confirmed and not to worry, not knowing why I keep receiving same Debt so I consult with another attorney, On XXXX I received another judgment, Garnishment/Levy to my Bank from same attorney XXXX , I again called their office and faxed receipt from NCO on XXXX, I was told if I did n't get a call back from them means no actions would go forward and not to worry, so I thought everything is fine and did n't take my money. 
since Year of XXXX I had XXXX due to XXXX at work, being abusive at home from my ex husband n take care of my children leads to divorce in XXXX n final divorce judgment order from Judge to sell my home in XXXX, I closed my account in XXXX n found XXXX garnished total mount of {$130.00} + {$4800.00} plus {$50.00} non refundable from my checking in XXXX! I have copy of the garnishment from bank, XXXX I called the Law Firm multiple times to request my money back and again fax my document. 
XXXX my call got transfer to XXXX, he told me if they did n't do anything in XXXX then why now? and is too late cause of legislature and why wait 10 years and he not longer work with NCO Financial, I respond I texted and what their office told me ( attachment attach ) I respond 10 years ago I send and faxed my proof and told they have my document and not to worry which he ignore in XXXX because he want my money is like I 'm been Robbed, I felt he took advantage of me due to his profession as attorney and not communicate with his client and took my money for himself. I felt violated and victim of scam after I Paid in Full t rob me, I am requesting my money back plus what I been through with this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation
State: SC

Complaint narrative:
I am behind on my mortgage and had to file bankruptcy XX/XX/XXXX 
After I graduated from college, my income decreased significantly. 
PHH sent me a packet to submit for a loan modification, they have myhome listed for foreclosure. I submitted all the requested documents and contacted XXXX as my advocate. I have received XXXX letters fromPHH requesting the documents that I had submitted in XXXX. 
I have yet to speak to the assigned case manager XXXX XXXX, I have annotated and faxed the documents requested for a secondtime. I have called to check the status of my packet as it is goingon XXXX+ days, and when those days expire I have to start thisprocess over. PHH has my home listed for foreclosure. I purchasedmy home XX/XX/XXXX, I am retired military veteran with a fixed income. 
All documents requested were submitted to PHH and XXXX. 
I am desperately trying to save my home and just want theloan modified so I can afford the payments. I was told today that mypacket was submitted for review and I do n't know what else to do butrequest additional assistance to help me keep my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: NJ

Complaint narrative:
PHH the previous servicer of the FHA mortgage loan I had on my residence provided a payoff statement for the mortgage which was the principal plus 110 days of interest. The payoff was made on XXXX XXXX 30 days prior to when the scenario PHH provided was to expire which was XXXX XXXX. 

It is now XXXX XXXX and PHH via their agents on the phone state they are not returning the extra interest and are making varied excuses from the reason they charge 60 days in arrears, which is still half of the amount charged, to the reason that they do n't collect interest FHA does and I need the FHA to refund me the surplus even though they are the originator and servicer. 

Also communicating with their conveyance department is impossible. When I have to key in my loan information it takes over 1h to get through and they do n't accept emails. AS I have no recourse I am now reaching to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Credit Karma, LLC
State: MO

Complaint narrative:
I have reason to believe my identity has been compromised through Credit Karma 's website. I have attempted to contact them requesting alternative ways to log into my account and they have neglected to respond or at the least even address my concerns. The profile is registered under an email account I have no knowledge of but I have a good idea of who the culprit could be. I intend on filing a police report report but it is rather distasteful a corporation can extend access to my identity in seconds but ca n't help me in attempts to protect my privacy ... if emails are being sent by Credit Karma they are being sent to the erroneous emails since they have n't bothered to respond with appropriate steps for me to access MY account.

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
Consumer complaint received 2015-11-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: FL

Complaint narrative:
On XXXX/XXXX/2015 I submitted my mortgage payment to PHH mortgage electronically through the bank. The money, payment can be seen as received on my activity statement on PHH website, on my account although the money was put in a suspense account for some reason. I have called PHH mortgage and emailed twice to see why the money, has not been applied anywhere not to escrow nor principle. In addition, the balance in suspense account says XXXX balance. so If I click on my payment to see where it went it says suspense account. But then on the main page, listed nortgage owed etc. it says zero in suspense account. It is now XXXX XXXX and the money has not bee applied anywhwere and my tax bill came in which was due at the end of XXXX. Since the money is in suspense, there were insufficient funds in escrow and PHH has funds owed to my account because my payment was put in suspense. I am very unclear as to why their is such a delay in applying my payment which I made on XXXX/XXXX/2015 electronically has not been applied to anything, not principle or escrow as of today XXXX. I have called and the lady said it will take ten business days to fix this and I have sent XXXX emails. Every month I submit my mortgage payment the month prior to it being due almost consistently two weeks prior. why is the money not applied to principle and seems to be not accurately documented as where it is XXXX statement says XXXX balance in suspense and if you check to see where the payment went it indicates it all went into a suspense account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: OR

Complaint narrative:
We paid off our mortgage in full more than twelve years ago ; however PHH Mortgage Services Corp has taken no steps to remove the lien on our home -- despite repeated requests to do so over the past five months .We have telephoned, e-mailed, FAXed and mailed requests all to no avail. We are an elderly couple in poor health and want to be able to sell our home. PHH 's conduct is an example of elder abuse and potential financial fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: CO

Complaint narrative:
My home loan ( and servicing ) was sold to a company called PHH Mortgage back in XXXX. I have been trying for a couple of months to contact them to setup direct debit for my monthly mortgage payments. I can not contact anyone who seems to be in the XXXX but instead I get routed to a call center in the XXXX. I have not been receiving paper statements by mail to confirm what my payment is. I have made two one-time payments through their online system but I have reason to suspect they are applying the entire payment towards my balance and nothing is being applied toward interest or escrow. But because I can not contact anyone through their numerous customer service phone numbers, I can not confirm what is going on. As a side note, I have done a search of online reviews for this company and was astonished to find that hundreds of others seem to be having the same ( and other ) problems with this company. It seems to me that they are exercising horrible ( and even illegal ) business practices and something needs to be done to protect me and others as consumers.

Company response to consumer: Closed with explanation